HBT Financial, Inc. (HBT) — Stock Score Summary

HBT Financial, Inc. (HBT) has a MoatMap StockRank of 64/100 based on Quality (45/100), Value (34/100), and Momentum (69/100) factor scores. The current signal is HOLD. HBT Financial is a regional bank. Regional banks are highly cyclical, asset-heavy, and currently face net interest margin compression and credit quality risks in commercial real estate, failing our quality compounder criteria.

HBT Financial, Inc. operates as a bank holding company for Heartland Bank and Trust Company, providing comprehensive community banking services to individuals, businesses, and agricultural clients across central and northern Illinois. The company distinguishes itself through a relationship-based banking model, local decision-making, and deep market penetration, particularly among small businesses and the agricultural sector. HBT Financial's competitive advantage stems from its strong community ties and personalized service in a concentrated regional market.

Key Financial Metrics

Price$29.76
Market Cap$1.0B
P/E (TTM)13.14
P/E (Forward)9.34
Price/Book1.39
Return on Equity10.5%
Gross Margin0.0%
Operating Margin44.2%
Revenue Growth17.5%
Dividend Yield3.2%

HBT Financial, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is HBT Financial, Inc.’s (HBT) StockRank?
MoatMap’s StockRank for HBT Financial, Inc. (HBT) is 64/100, with a Hold signal. It is a composite of Quality (45), Value (34), and Momentum (69) factor ranks across MoatMap’s 19,000+ stock universe.
Does HBT Financial, Inc. have an economic moat?
HBT Financial, Inc. (HBT) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is HBT Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for HBT Financial, Inc. (HBT) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is HBT Financial, Inc. in?
HBT Financial, Inc. (HBT) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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