Three independent discounted-cash-flow-style models value HBT Financial, Inc. Common Stock every trading day. 1 of 3 currently price HBT above its market price.
| Free Cash Flow model | $-6.79 |
| Excess Profit model | $54.31 |
| Residual Earnings model | $14.24 |
| Dividend Discount model | $21.85 |
| Piotroski F-Score | 7 / 9 |
| Return on invested capital | +13.4% |
| Net debt / EBITDA | -1.2× |
| Gross margin | +100.0% |
| Revenue CAGR | +18.7% |
| Cash conversion | 1.1× |
| Dividend yield | +2.5% |
| Buyback yield | +0.3% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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