Is HBT Financial, Inc. overvalued or undervalued?

As of 21 July 2025, the valuation grade for HBT Financial, Inc. moved from fair to very attractive, indicating a significant improvement in its perceived value. The company appears undervalued, particularly given its P/E ratio of 10, which is notably lower than the industry average, and an EV to EBITDA ratio of 6.03, suggesting that the market may not fully recognize its earnings potential. Additionally, the PEG ratio stands at 1.74, reflecting a reasonable growth expectation relative to its price.
In comparison to its peers, HBT Financial, Inc. has a P/E ratio of 10.80, which is lower than Banc of California, Inc. at 18.08 and significantly lower than Coastal Financial Corp. at 35.43, indicating that HBT may be undervalued relative to these competitors. Furthermore, the company's recent stock performance shows a YTD return of 21.00%, outperforming the S&P 500's return of 12.22%, reinforcing the notion that HBT Financial, Inc. is a compelling investment opportunity.