HBT FINANCIAL INC/DE (HBT)
US4041111067 - Common Stock
Taking everything into account, HBT scores 4 out of 10 in our fundamental rating. HBT was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of HBT while its profitability can be described as average. HBT has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year HBT was profitable.
In the past year HBT had a positive cash flow from operations.
HBT had positive earnings in each of the past 5 years.
Each year in the past 5 years HBT had a positive operating cash flow.
1.2 Ratios
HBT has a better Return On Assets (1.30%) than 82.00% of its industry peers.
Looking at the Return On Equity, with a value of 13.44%, HBT belongs to the top of the industry, outperforming 85.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 13.44% | ||
| 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 has a Profit Margin of 28.97%. This is in the better half of the industry: HBT outperforms 72.75% of its industry peers.
In the last couple of years the Profit Margin of HBT has declined.
The Operating Margin and Gross Margin are not available for HBT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.97% | ||
| 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
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.
The number of shares outstanding for HBT has been increased compared to 5 years ago.
Compared to 1 year ago, HBT has an improved debt to assets ratio.
2.2 Solvency
HBT has a debt to FCF ratio of 2.15. This is a good value and a sign of high solvency as HBT would need 2.15 years to pay back of all of its debts.
HBT has a Debt to FCF ratio of 2.15. This is comparable to the rest of the industry: HBT outperforms 56.20% of its industry peers.
HBT has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.28, HBT perfoms like the industry average, outperforming 43.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 2.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.88% over the past year.
HBT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.15% yearly.
The Revenue has grown by 25.77% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 7.34% on average over the past years.
EPS 1Y (TTM)13.88%
EPS 3Y20.8%
EPS 5Y-10.15%
EPS growth Q2Q-1.69%
Revenue 1Y (TTM)25.77%
Revenue growth 3Y14.3%
Revenue growth 5Y7.34%
Revenue growth Q2Q12.42%
3.2 Future
Based on estimates for the next years, HBT will show a decrease in Earnings Per Share. The EPS will decrease by -4.18% on average per year.
Based on estimates for the next years, HBT will show a decrease in Revenue. The Revenue will decrease by -0.25% on average per year.
EPS Next Y-6.03%
EPS Next 2Y-4.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.6%
Revenue Next 2Y-0.25%
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.
4. Valuation
4.1 Price/Earnings Ratio
HBT is valuated cheaply with a Price/Earnings ratio of 7.94.
Compared to the rest of the industry, the Price/Earnings ratio of HBT indicates a somewhat cheap valuation: HBT is cheaper than 74.21% of the companies listed in the same industry.
HBT is valuated cheaply when we compare the Price/Earnings ratio to 24.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.45, which indicates a very decent valuation of HBT.
Based on the Price/Forward Earnings ratio, HBT is valued a bit cheaper than 77.13% of the companies in the same industry.
HBT is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 8.45 |
4.2 Price Multiples
HBT's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as HBT's earnings are expected to decrease with -4.18% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HBT has a Yearly Dividend Yield of 4.00%, which is a nice return.
HBT's Dividend Yield is a higher than the industry average which is at 3.81.
HBT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
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
33.24% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.
DP33.24%
EPS Next 2Y-4.18%
EPS Next 3YN/A
HBT FINANCIAL INC/DE
NASDAQ:HBT (4/26/2024, 7:00:02 PM)
After market: 18.89 0 (0%)18.89
+0.03 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap597.68M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
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)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.94 | ||
| Fwd PE | 8.45 | ||
| 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 Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 13.44% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.97% | ||
| 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| 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)
Growth
EPS 1Y (TTM)13.88%
EPS 3Y20.8%
EPS 5Y
EPS growth Q2Q
EPS Next Y-6.03%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)25.77%
Revenue growth 3Y14.3%
Revenue growth 5Y
Revenue growth 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