HBT (HBT Financial) Tariff Resilience Score: 8/10 (As of Jul. 05, 2026)


HBT HBT Financial Inc HBT
66 GF Score
Price $32.18
GF Value $26.45
Valuation Modestly Overvalued
! 7 Warning Signs
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What is HBT Financial Tariff Resilience Score?

HBT Financial HBT -1.71% 66 Tariff Resilience Score is 8 as of Jul. 05, 2026. GuruFocus rates HBT with a GF Score™ of 66/100 and a GF Value™ of $26.45 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,607 Banks companies, HBT Financial ranks better than 78.72% on this metric.

HBT Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

HBT Financial has Regional bank with minimal exposure to international trade. Limited impact from tariffs on financial services, with primary focus on domestic markets.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes HBT Financial might have Highly Resilient.

HBT Financial  (NAS:HBT) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

HBT Financial Tariff Resilience Score Related Terms

HBT vs NBN, CCB, OCFC: Tariff Resilience Score Comparison

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

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

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


HBT
66GF Score
HBT Financial Inc HBT
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
HBT Financial (HBT) has a Tariff Resilience Score of 8 as of Jul. 05, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, HBT Financial ranks #342 out of 1607 companies in the Banks industry, placing it in the top 21.3%.
Is HBT Financial's Tariff Resilience Score too high?
HBT Financial's current Tariff Resilience Score is 8. Based on the distribution chart, HBT Financial ranks #342 out of 1607 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 Tariff Resilience Score compare to NBN and CCB?
According to the Banks industry distribution chart, HBT Financial ranks #342 out of 1607 companies for Tariff Resilience Score. This places HBT Financial in the top 21% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. HBT Financial's current Tariff Resilience Score is 8. 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 $26.45, compared to a current price of $32.18 — trading 21.7% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For HBT Financial (HBT), the current Tariff Resilience Score is 8 as of Jul. 05, 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 $32.18 is trading 21.7% above its estimated GF Value™ of $26.45. GuruFocus considers HBT Financial to be Modestly Overvalued.

Key valuation signals for HBT:

  • Tariff Resilience Score: 8
  • GF Value™: $26.45 vs. price of $32.18 (21.7% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.18
Price
$26.45
GF Value