Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
HBT FinancialHBT +0.31%67 5-Year Yield-on-Cost % is 3.85 as of Jul. 20, 2026, which is 18% below its 10-year median of 4.72. GuruFocus rates HBT with a GF Score™ of 67/100 and a GF Value™ of $26.77 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, HBT Financial ranks worse than 50.36% on this metric.
HBT Financial's yield on cost for the quarter that ended in Mar. 2026 was 3.85.
The historical rank and industry rank for HBT Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
HBT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.45 Med: 4.72 Max: 5.95
Current: 3.85
During the past 10 years, HBT Financial's highest Yield on Cost was 5.95. The lowest was 1.45. And the median was 4.72.
HBT's 5-Year Yield-on-Cost % is ranked worse than 50.36% of 1255
companies
in the Banks industry
Industry Median: 3.86
vs HBT: 3.85
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
HBT Financial 5-Year Yield-on-Cost % Related Terms
HBT vs NBN, CCB, OCFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, HBT Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, HBT Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where HBT Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of HBT Financial is calculated as
HBT Financial (HBT) has a 5-Year Yield-on-Cost % of 3.85 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on HBT Financial and its competitors. This is 18% below median its historical median of 4.72. Over the past decade, HBT Financial's 5-Year Yield-on-Cost % has ranged from 1.45 to 5.95. According to the industry distribution chart, HBT Financial ranks #632 out of 1255 companies in the Banks industry, placing it in the top 50.4%.
Is HBT Financial's 5-Year Yield-on-Cost % too high?
HBT Financial's current 5-Year Yield-on-Cost % of 3.85 is 18% below median its 10-year median of 4.72. Over the past 10 years, this metric has ranged from a low of 1.45 to a high of 5.95. The Banks industry median 5-Year Yield-on-Cost % is 3.86. HBT Financial's value of 3.85 is 0.3% below this industry median. Based on the distribution chart, HBT Financial ranks #632 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, HBT Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HBT Financial's 5-Year Yield-on-Cost % compare to NBN and CCB?
According to the Banks industry distribution chart, HBT Financial ranks #632 out of 1255 companies for 5-Year Yield-on-Cost %. This places HBT Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. HBT Financial's value of 3.85 is 0.3% below this benchmark. Historically, HBT Financial's own 5-Year Yield-on-Cost % has ranged from 1.45 to 5.95 over the past decade. While the company's 10-year median is 4.72 vs. the industry median of 3.86, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HBT Financial's current 5-Year Yield-on-Cost % of 3.85 is 0.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on HBT Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HBT Financial's current 5-Year Yield-on-Cost % is 3.85, which is 18% below median its own 10-year median of 4.72. 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 $26.77, compared to a current price of $32.83 — trading 22.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.85, which is 18% below median its 10-year median of 4.72 and 0.3% below the Banks industry median of 3.86. HBT Financial's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For HBT Financial (HBT), the current 5-Year Yield-on-Cost % is 3.85 as of Jul. 20, 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 $32.83 is trading 22.6% above its estimated GF Value™ of $26.77.
GuruFocus considers HBT Financial to be Modestly Overvalued.
Key valuation signals for HBT:
5-Year Yield-on-Cost %: 3.85 (18% below median its 10-year median of 4.72)
GF Value™: $26.77 vs. price of $32.83 (22.6% above fair value)
Industry Position: 0.3% below the Banks median (#632 of 1255)
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.
67GF Score
Get the complete analysis for HBT
5-Year Yield-on-Cost % 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 
