Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
HBT Financial's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2026 was 76.56%
, which is higher than
53.64% for the pervious quarter ended in Dec. 2025.
HBT Financial's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 53.44%
, which is lower than
53.99% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for HBT Financial's Efficiency Overhead Ratio % or its related term are showing as below:
HBT's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
HBT Financial (NAS:HBT) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
HBT Financial Efficiency Overhead Ratio % Related Terms
HBT Financial Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for HBT Financial's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HBT vs PFBC, UVSP, OSBC: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, HBT Financial's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
HBT Financial (NAS:HBT) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 76.56% mean?
HBT Financial (HBT) has a Efficiency Overhead Ratio % of 76.56% as of Mar. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on HBT Financial and its competitors.
Is HBT Financial's Efficiency Overhead Ratio % too high?
HBT Financial's current Efficiency Overhead Ratio % is 76.56%. Overall, HBT Financial has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HBT Financial's Efficiency Overhead Ratio % compare to PFBC and UVSP?
HBT Financial's Efficiency Overhead Ratio % of 76.56% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on HBT Financial and its competitors. HBT Financial's current Efficiency Overhead Ratio % is 76.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HBT Financial stock overvalued right now?
Based on GuruFocus' analysis, HBT Financial (HBT) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.22, compared to a current price of $36.13 — trading 32.7% above its estimated fair value. The current Efficiency Overhead Ratio % is 76.56%. HBT Financial's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For HBT Financial (HBT), the current Efficiency Overhead Ratio % is 76.56% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is HBT Financial (HBT) Overvalued in 2026?
Based on GuruFocus' analysis, HBT Financial stock appears to be overvalued.
The current stock price of $36.13 is trading 32.7% above its estimated GF Value™ of $27.22.
GuruFocus considers HBT Financial to be Significantly Overvalued.
Key valuation signals for HBT:
Efficiency Overhead Ratio %: 76.56%
GF Value™: $27.22 vs. price of $36.13 (32.7% above fair value)
No single metric tells the full story. See the HBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HBT Financial Inc provides a comprehensive suite of business, commercial, wealth management, and retail banking products and services to individuals, businesses, and municipal entities throughout Central and Northeastern Illinois and Eastern Iowa. It operates through one reportable segment: community banking. It generates revenue from Card income, Wealth management fees, and Service charges on deposit accounts.
66GF Score
Get the complete analysis for HBT
Efficiency Overhead Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HBT has been successfully added to your 
