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Financial Analysis

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HBT$28.40+0.00%
Fair $28.40+0.0%

HBT

HBT Financial, Inc.

Financial Services / Banks - RegionalNasdaqGS

$28.40

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $28.40Fund rank 28/100 · Data gapFallback financials|
SA 22/D
F-Score: 6/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 54.0/100

Data gap 28/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 50/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

22/100

D

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 9Warnings: 0unknown: 9
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · HBTLocal privado en este navegador · HBT Financial, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.0B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

12.5%

↑

Gross Margin

N/A

•

Debt/Equity

N/A

•
No hay histórico de precio usable para pintar el gráfico TradingView.

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2017–2025 · 8 años de histórico normalizado

Revenue CAGR

+9.1%

FCF CAGR

—

FCF margin

—

FCF / Net income

—

Latest source

Provider fallback

Margin decomposition

Último año: revenue $255.8M · net income $77.0M · FCF —

2017-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

30.1%-13.9% pts

FCF margin

—— pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
Income Statement
Revenue$255.8M$255.8M$251.7M$229.0M$153.1M$128.2M$124.1M$143.7M$137.4M$127.6M
Net Income$77.0M$77.0M$71.8M$65.8M$56.5M$56.3M$36.8M$66.9M$63.8M$56.1M
EPS2.442.442.262.071.952.021.343.333.543.10
Net Margin30.1%30.1%28.5%28.8%36.9%43.9%29.7%46.5%46.4%44.0%
Returns
ROE12.5%12.5%13.2%13.5%15.1%13.7%10.1%20.1%18.7%17.3%
Growth & Yield
Revenue Growth1.6%1.6%9.9%49.6%19.4%3.4%-13.7%4.6%7.7%—
EPS Growth8.0%8.0%9.2%6.2%-3.5%50.7%-59.8%-5.9%14.2%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

1.1%

fácil

EPS terminal req.

$2.52

Spread vs growth

6.9%

5Y implied EPS CAGR

4.6%

fácil

EPS terminal req.

$3.05

Spread vs growth

3.4%

10Y implied EPS CAGR

7.2%

razonable

EPS terminal req.

$4.91

Spread vs growth

0.7%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · available periodreconcilia total n/d
Return attribution requires positive start and end prices.

Unavailable: positive start/end prices are required.