HBT FinancialHBT +1.09%66 Net Margin % is 16.81% as of Mar. 2026, which is 51% below its 10-year median of 34.10. GuruFocus rates HBT with a GF Score™ of 66/100 and a GF Value™ of $26.27 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, HBT Financial ranks better than 54.78% on this metric.
Net margin is calculated as Net Income divided by its Revenue. HBT Financial's Net Income for the
three
months ended in Mar. 2026 was $11.2 Mil. HBT Financial's Revenue for the
three
months ended in Mar. 2026 was $66.6 Mil. Therefore, HBT Financial's net margin for the quarter that ended in Mar. 2026 was 16.81%.
The historical rank and industry rank for HBT Financial's Net Margin % or its related term are showing as below:
HBT'
s Net Margin % Range Over the Past 10 Years
Min: 24.51 Med: 34.1 Max: 40.79
Current: 28.25
HBT's Net Margin % is ranked better than 54.78% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs HBT: 28.25
HBT Financial (NAS:HBT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
HBT Financial Net Margin % Related Terms
HBT Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for HBT Financial's Net Margin % 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.
For the Banks - Regional subindustry, HBT Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HBT Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where HBT Financial's Net Margin % falls into.
* 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 Financial (HBT) has a Net Margin % of 16.81% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on HBT Financial and its competitors. This is 51% below median its historical median of 34.10. Over the past decade, HBT Financial's Net Margin % has ranged from 24.51 to 40.79. According to the industry distribution chart, HBT Financial ranks #690 out of 1526 companies in the Banks industry, placing it in the top 45.2%.
Is HBT Financial's Net Margin % too high?
HBT Financial's current Net Margin % of 16.81% is 51% below median its 10-year median of 34.10. Over the past 10 years, this metric has ranged from a low of 24.51 to a high of 40.79. The Banks industry median Net Margin % is 26.97. HBT Financial's value of 16.81% is 37.7% below this industry median. Based on the distribution chart, HBT Financial ranks #690 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to FMBL and FBAK?
According to the Banks industry distribution chart, HBT Financial ranks #690 out of 1526 companies for Net Margin %. This puts HBT Financial in the upper half of its industry. The industry median Net Margin % is 26.97. HBT Financial's value of 16.81% is 37.7% below this benchmark. Historically, HBT Financial's own Net Margin % has ranged from 24.51 to 40.79 over the past decade. While the company's 10-year median is 34.10 vs. the industry median of 26.97, HBT Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HBT Financial's current Net Margin % of 16.81% is 37.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on HBT Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HBT Financial's current Net Margin % is 16.81%, which is 51% below median its own 10-year median of 34.10. 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 $26.27, compared to a current price of $31.47 — trading 19.8% above its estimated fair value. The current Net Margin % is 16.81%, which is 51% below median its 10-year median of 34.10 and 37.7% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For HBT Financial (HBT), the current Net Margin % is 16.81% 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 $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:
Net Margin %: 16.81% (51% below median its 10-year median of 34.10)
GF Value™: $26.27 vs. price of $31.47 (19.8% above fair value)
Industry Position: 37.7% below the Banks median (#690 of 1526)
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
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