Is HBT Financial, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for HBT Financial, Inc. moved from attractive to very attractive. The company appears undervalued based on its current metrics, with a P/E ratio of 10, a Price to Book Value of 1.32, and an EV to EBITDA ratio of 6.03. In comparison to peers, Banc of California, Inc. has a P/E of 18.08, while Republic Bancorp, Inc. shows a P/E of 10.77, indicating that HBT Financial is trading at a significant discount relative to some competitors.
Despite recent stock performance lagging behind the S&P 500, with a 1-year return of 14.19% compared to the index's 19.89%, the company's strong fundamentals and valuation ratios suggest it is positioned well for future growth.