HBT FINANCIAL INC/DE (HBT)

US4041111067 - Common Stock

19.5  +0.26 (+1.35%)

After market: 19.5 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HBT. HBT was compared to 411 industry peers in the Banks industry. While HBT is still in line with the averages on profitability rating, there are concerns on its financial health. HBT has a valuation in line with the averages, but it does not seem to be growing.



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4

1. Profitability

1.1 Basic Checks

In the past year HBT was profitable.
HBT had a positive operating cash flow in the past year.
Each year in the past 5 years HBT has been profitable.
HBT had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

HBT has a better Return On Assets (1.43%) than 88.32% of its industry peers.
HBT's Return On Equity of 14.47% is amongst the best of the industry. HBT outperforms 88.81% of its industry peers.
Industry RankSector Rank
ROA 1.43%
ROE 14.47%
ROIC N/A
ROA(3y)1.31%
ROA(5y)1.4%
ROE(3y)14.06%
ROE(5y)14.48%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

HBT's Profit Margin of 31.92% is amongst the best of the industry. HBT outperforms 86.62% of its industry peers.
In the last couple of years the Profit Margin of HBT has declined.
HBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.19%
PM growth 5Y-6.26%
GM growth 3YN/A
GM growth 5YN/A

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3

2. Health

2.1 Basic Checks

HBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HBT has been increased compared to 1 year ago.
Compared to 5 years ago, HBT has more shares outstanding
HBT has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of HBT is 1.84, which is an excellent value as it means it would take HBT, only 1.84 years of fcf income to pay off all of its debts.
HBT has a Debt to FCF ratio of 1.84. This is in the better half of the industry: HBT outperforms 62.04% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that HBT is not too dependend on debt financing.
HBT has a Debt to Equity ratio (0.25) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.84
Altman-Z N/A
ROIC/WACCN/A
WACC9.9%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

HBT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.11%.
The earnings per share for HBT have been decreasing by -10.15% on average. This is quite bad
The Revenue has grown by 16.73% in the past year. This is quite good.
HBT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.34% yearly.
EPS 1Y (TTM)3.11%
EPS 3Y20.8%
EPS 5Y-10.15%
EPS Q2Q%-9.52%
Revenue 1Y (TTM)16.73%
Revenue growth 3Y14.3%
Revenue growth 5Y7.34%
Sales Q2Q%-3.61%

3.2 Future

HBT is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.18% yearly.
The Revenue is expected to decrease by -0.41% on average over the next years.
EPS Next Y-4.55%
EPS Next 2Y-4.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.98%
Revenue Next 2Y-0.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.41, which indicates a very decent valuation of HBT.
Based on the Price/Earnings ratio, HBT is valued a bit cheaper than the industry average as 74.45% of the companies are valued more expensively.
HBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Based on the Price/Forward Earnings ratio of 8.92, the valuation of HBT can be described as reasonable.
Based on the Price/Forward Earnings ratio, HBT is valued a bit cheaper than the industry average as 65.45% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 20.07. HBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.41
Fwd PE 8.92

4.2 Price Multiples

HBT's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.15
EV/EBITDA N/A

4.3 Compensation for Growth

HBT's earnings are expected to decrease with -4.18% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.18%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.95%, HBT has a reasonable but not impressive dividend return.
HBT's Dividend Yield is a higher than the industry average which is at 3.78.
HBT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.95%

5.2 History

HBT has been paying a dividend for over 5 years, so it has already some track record.
HBT has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years3

5.3 Sustainability

HBT pays out 31.22% of its income as dividend. This is a sustainable payout ratio.
DP31.22%
EPS Next 2Y-4.18%
EPS Next 3YN/A

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HBT FINANCIAL INC/DE

NASDAQ:HBT (5/31/2024, 7:00:00 PM)

After market: 19.5 0 (0%)

19.5

+0.26 (+1.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap616.00M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.95%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.41
Fwd PE 8.92
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.43%
ROE 14.47%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 31.92%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)3.11%
EPS 3Y20.8%
EPS 5Y
EPS Q2Q%
EPS Next Y-4.55%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)16.73%
Revenue growth 3Y14.3%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y