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, indicating a strong positive 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 ratio of 6.03. In comparison, Premier Financial Corp. has a P/E ratio of 14.14, while Heritage Financial Corp. shows a higher valuation with a P/E of 17.18, highlighting HBT's relative undervaluation within its peer group.
Despite recent underperformance compared to the S&P 500, with a 1-year return of 9.74% versus 19.89% for the index, the strong dividend yield of 253.39% and robust ROCE of 22.06% suggest that HBT Financial, Inc. has significant potential for future growth and value creation.