HBT (HBT Financial) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 25, 2026)


HBT HBT Financial Inc HBT
66 GF Score
Price $31.47
GF Value $26.27
Valuation Modestly Overvalued
! 6 Warning Signs
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What is HBT Financial Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

HBT Financial's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

HBT vs FMBL, FBAK, NBN: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, HBT Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, HBT Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where HBT Financial's Margin of Safety % (DCF FCF Based) falls into.


HBT
66GF Score
HBT Financial Inc HBT
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is HBT Financial (HBT) Overvalued in 2026?

Based on GuruFocus' analysis, HBT Financial stock appears to be overvalued. The current stock price of $31.47 is trading 19.8% above its estimated GF Value™ of $26.27. GuruFocus considers HBT Financial to be Modestly Overvalued.

Key valuation signals for HBT:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $26.27 vs. price of $31.47 (19.8% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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 Business Description

Other Exchanges 9ND:Germany
Address 401 North Hershey Road, Bloomington, IL, USA, 61704
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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.47
Price
$26.27
GF Value