Nama's AI scorecard currently rates HBT Financial Buy (6.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is HBT's P/E ratio?

HBT Financial trades at a trailing price-to-earnings ratio of 14.1.

When does HBT report earnings?

HBT Financial's next scheduled report is on Feb 1, 2027. Analysts expect EPS of $0.82.

What is the HBT price target?

The median analyst price target from 5 analysts is $42.00, with a range of $39.00 – $46.00.

Is HBT Shariah compliant?

Nama's AAOIFI-style screen reads HBT Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does HBT pay a dividend?

Yes — HBT Financial's dividend yield is 2.7%.

Nama Insights

HBT Financial (HBT)

Financial Services · Banks Regional · NASDAQ

HBT Financial (HBT) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $1.35B and a trailing price-to-earnings ratio of 14.1. Over the most recent reported fiscal year, revenue grew 6.0%. Nama's AI scorecard rates it Buy, 6.3 out of 10. On 12-month momentum it ranks in the leading band of its market.

AI scorecard

Buy · 6.3/10

Positive, at the low end of Buy. As of Nov 7, 2026.

Momentum

Leading · +50.4% over 12 months ex. last

Top 20% of its market on the past year's steady rise.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-4.6%

How far the last close sits under the highest price of the past five years.

Market cap	$1.35B
Trailing P/E	14.1
Price / book	1.8
Price / sales	4.6
FCF yield	—
Dividend yield	2.7%
Gross margin	0.0%
Operating margin	—
Net margin	30.6%
Revenue growth (YoY)	+6.0%
Revenue growth (3-yr annual)	+9.5%
EPS growth (YoY)	+6.8%
FCF/share growth (YoY)	—
Beta	0.5
Exchange	NASDAQ
Sector	Financial Services
Industry	Banks Regional

HBT earnings

Next report: Feb 1, 2027 (Q4 2026, EPS estimate $0.82). Beat the EPS estimate in 2 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 26, 2026	$0.86	$0.79	+8.9%	—
Q2 2026	Jul 27, 2026	$0.78	$0.73	+6.8%	$80.34M
Q1 2026	Apr 27, 2026	$0.34	$0.60	-43.3%	$66.64M
Q4 2025	Jan 26, 2026	$0.64	$0.64	+0.0%	$60.10M

HBT analyst price target

Median target $42.00 from 5 analysts, ranging $39.00 – $46.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live HBT data on Nama Insights →

HBT FAQ

Is HBT a buy?: Nama's AI scorecard currently rates HBT Financial Buy (6.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is HBT's P/E ratio?: HBT Financial trades at a trailing price-to-earnings ratio of 14.1.
When does HBT report earnings?: HBT Financial's next scheduled report is on Feb 1, 2027. Analysts expect EPS of $0.82.
What is the HBT price target?: The median analyst price target from 5 analysts is $42.00, with a range of $39.00 – $46.00.
Is HBT Shariah compliant?: Nama's AAOIFI-style screen reads HBT Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does HBT pay a dividend?: Yes — HBT Financial's dividend yield is 2.7%.