HBT (HBT Financial) Moat Score: 4/10 (As of Jul. 01, 2026)


HBT HBT Financial Inc HBT
66 GF Score
Price $32.74
GF Value $26.39
Valuation Modestly Overvalued
! 7 Warning Signs
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What is HBT Financial Moat Score?

HBT Financial HBT +2.23% 66 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates HBT with a GF Score™ of 66/100 and a GF Value™ of $26.39 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, HBT Financial ranks better than 86.22% on this metric.

HBT Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

HBT Financial has Narrow Moat: HBT Financial benefits from regional market leadership and customer loyalty in banking. It has some switching costs but lacks the scale and brand strength to achieve a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes HBT Financial might have Narrow Moat - Discernible but modest moat.

HBT Financial  (NAS:HBT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

HBT Financial Moat Score Related Terms

HBT vs NBN, CCB, OCFC: Moat Score Comparison

For the Banks - Regional subindustry, HBT Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, HBT Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where HBT Financial's Moat Score falls into.


HBT
66GF Score
HBT Financial Inc HBT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
HBT Financial (HBT) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, HBT Financial ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is HBT Financial's Moat Score too high?
HBT Financial's current Moat Score is 4. Based on the distribution chart, HBT Financial ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, HBT Financial has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HBT Financial's Moat Score compare to NBN and CCB?
According to the Banks industry distribution chart, HBT Financial ranks #222 out of 1611 companies for Moat Score. This places HBT Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. HBT Financial's current Moat Score is 4. 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 Modestly Overvalued. The stock's GF Value™ is $26.39, compared to a current price of $32.74 — trading 24.1% above its estimated fair value. The current Moat Score is 4. HBT Financial's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For HBT Financial (HBT), the current Moat Score is 4 as of Jul. 01, 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 $32.74 is trading 24.1% above its estimated GF Value™ of $26.39. GuruFocus considers HBT Financial to be Modestly Overvalued.

Key valuation signals for HBT:

  • Moat Score: 4
  • GF Value™: $26.39 vs. price of $32.74 (24.1% above fair value)
  • GF Score™: 66/100 with 7 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.74
Price
$26.39
GF Value