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HBT Financial, Inc.
HBTFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $293.33M | 26.3% | $77.15M | $74.80M | N/A |
| 2027 | $311.81M | 26.3% | $82.01M | $79.51M | $72.28M |
| 2028 | $331.45M | 26.3% | $87.17M | $84.52M | $69.85M |
| 2029 | $352.33M | 26.3% | $92.66M | $89.84M | $67.50M |
| 2030 | $374.53M | 26.3% | $98.50M | $95.50M | $65.23M |
| 2031 | $398.12M | 26.3% | $104.71M | $101.52M | $63.04M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.44 | 2025-12-31 |
| EPS growth | +7.5% | Forecast years: 5 |
| Future EPS | $3.503 | EPS × (1 + G)^5 |
| Base P/E | 10.6 | P/E |
| Future price | $37.131 | Future EPS × P/E |
| Fair value today | $23.056 | PV @ 10.0% |
| 30% safety price | $16.139 | Margin of safety |
| 50% safety price | $11.528 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $71.695 | $76.951 | $84.119 |
| 10.0% | $66.372 | $70.247 | $75.315 |
| 11.0% | $62.173 | $65.124 | $68.861 |