HBT Financial, Inc. (HBT)
State Commercial Banks · Financial Services · $1.1B
Intrinsic Value (Consensus)
$35.44
Current Price
$30.13
Margin of Safety
+17.6%
17.6% Below Intrinsic Value
Value: $35
Price: $30
Valuation Model Estimates
Current Price: $30.13
DCF (Discounted Cash Flow)
$38.79
Graham Number
$30.48
Earnings Power Value
$23.69
Relative Value (P/E)
$48.80
Dividend Discount Model
$9.85
Consensus Value
$35.44
Model Assumptions
Discount Rate
10.3%
Growth Rate
8.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
18/25
Strength
17/25
Valuation
19/25
Growth
7/25
Key Financials
- EPS (TTM)
- $2.44
- EPS (Forward)
- $2.63
- Book Value
- $16.92
- P/E Ratio
- 20.0
- Forward P/E
- 18.5
- PEG Ratio
- —
- ROE
- 12.5%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 8.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance