Is HBT Financial, Inc. overvalued or undervalued?

Nov 02 2025 11:10 AM IST
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As of October 31, 2025, HBT Financial, Inc. is considered very attractive due to its strong valuation ratios, including a P/E of 10, indicating it is undervalued compared to peers like Premier Financial Corp. and Heritage Financial Corp., despite a recent 1Y return of 14.19% that lags behind the S&P 500's 19.89%.
As of 31 October 2025, the valuation grade for HBT Financial, Inc. moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 10, a Price to Book Value of 1.32, and an EV to EBITDA of 6.03. In comparison, Premier Financial Corp. has a P/E of 14.14 and Heritage Financial Corp. shows a P/E of 17.18, highlighting HBT's relative undervaluation within its peer group.

Despite recent underperformance against the S&P 500, with a 1Y return of 14.19% compared to the index's 19.89%, the strong valuation ratios and the improved grade suggest that HBT Financial, Inc. presents a compelling investment opportunity.
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