HBT (HBT Financial) ROC %: % (As of Mar. 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 ROC %?

HBT Financial HBT +1.09% 66 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

HBT
66GF Score
HBT Financial Inc HBT
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
HBT Financial (HBT) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on HBT Financial and its competitors.
Is HBT Financial's ROC % too high?
HBT Financial's current ROC % is %. 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 ROC % compare to FMBL and FBAK?
HBT Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on HBT Financial and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HBT Financial's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For HBT Financial (HBT), the current ROC % is % 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:

  • ROC %: %
  • 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

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

$31.47
Price
$26.27
GF Value