HBT FinancialHBT +0.83%66 OCF Margin % is 42.80% as of Mar. 2026, which is 6% above its 10-year median of 40.31. 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 1,500 Banks companies, HBT Financial ranks better than 58.13% on this metric.
The historical rank and industry rank for HBT Financial's OCF Margin % or its related term are showing as below:
HBT'
s OCF Margin % Range Over the Past 10 Years
Min: 20.79 Med: 40.31 Max: 54.35
Current: 33.97
During the past 10 years, the highest OCF Margin % of HBT Financial was 54.35%. The lowest was 20.79%. And the median was 40.31%.
HBT's OCF Margin % is ranked better than 58.13% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs HBT: 33.97
HBT Financial OCF Margin % Related Terms
HBT Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for HBT Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HBT Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where HBT Financial's OCF 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 OCF Margin % of 42.80% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on HBT Financial and its competitors. This is near median its historical median of 40.31. Over the past decade, HBT Financial's OCF Margin % has ranged from 20.79 to 54.35. According to the industry distribution chart, HBT Financial ranks #628 out of 1500 companies in the Banks industry, placing it in the top 41.9%.
Is HBT Financial's OCF Margin % too high?
HBT Financial's current OCF Margin % of 42.80% is near median its 10-year median of 40.31. Over the past 10 years, this metric has ranged from a low of 20.79 to a high of 54.35. The Banks industry median OCF Margin % is 29.44. HBT Financial's value of 42.80% is 45.4% above this industry median. Based on the distribution chart, HBT Financial ranks #628 out of 1500 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 OCF Margin % compare to FMBL and FBAK?
According to the Banks industry distribution chart, HBT Financial ranks #628 out of 1500 companies for OCF Margin %. This puts HBT Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. HBT Financial's value of 42.80% is 45.4% above this benchmark. Historically, HBT Financial's own OCF Margin % has ranged from 20.79 to 54.35 over the past decade. While the company's 10-year median is 40.31 vs. the industry median of 29.44, HBT Financial has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HBT Financial's current OCF Margin % of 42.80% is 45.4% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on HBT Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HBT Financial's current OCF Margin % is 42.80%, which is near median its own 10-year median of 40.31. 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 $31.73 — trading 20.8% above its estimated fair value. The current OCF Margin % is 42.80%, which is near median its 10-year median of 40.31 and 45.4% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For HBT Financial (HBT), the current OCF Margin % is 42.80% 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 $31.73 is trading 20.8% above its estimated GF Value™ of $26.27.
GuruFocus considers HBT Financial to be Modestly Overvalued.
Key valuation signals for HBT:
OCF Margin %: 42.80% (near median its 10-year median of 40.31)
GF Value™: $26.27 vs. price of $31.73 (20.8% above fair value)
Industry Position: 45.4% above the Banks median (#628 of 1500)
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
OCF Margin % 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 
