HBT Fundamental Analysis - HBT FINANCIAL INC/DE

Fundamental Rating

Overall HBT gets a fundamental rating of 4 out of 10. We evaluated HBT against 393 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 is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

HBT had positive earnings in the past year.

HBT had a positive operating cash flow in the past year.

Each year in the past 5 years HBT has been profitable.

In the past 5 years HBT always reported a positive cash flow from operatings.

1.2 Ratios

HBT has a Return On Assets of 1.53%. This is amongst the best in the industry. HBT outperforms 89.82% of its industry peers.

With an excellent Return On Equity value of 13.21%, HBT belongs to the best of the industry, outperforming 87.53% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.53%
ROE	13.21%
ROIC	N/A

ROA(3y)1.35%

ROA(5y)1.27%

ROE(3y)13.91%

ROE(5y)13.1%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 33.04%, HBT belongs to the top of the industry, outperforming 88.80% of the companies in the same industry.

HBT's Profit Margin has declined in the last couple of years.

HBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	33.04%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.13%

PM growth 5Y-4.76%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HBT does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, HBT has less shares outstanding

HBT has more shares outstanding than it did 5 years ago.

HBT has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of HBT is 1.16, which is an excellent value as it means it would take HBT, only 1.16 years of fcf income to pay off all of its debts.

HBT's Debt to FCF ratio of 1.16 is fine compared to the rest of the industry. HBT outperforms 67.94% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that HBT is not too dependend on debt financing.

HBT has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: HBT outperforms 52.93% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.16
Altman-Z	N/A

ROIC/WACCN/A

WACC12.77%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

HBT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.42%.

HBT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.43% yearly.

Looking at the last year, HBT shows a small growth in Revenue. The Revenue has grown by 4.16% in the last year.

Measured over the past years, HBT shows a small growth in Revenue. The Revenue has been growing by 6.49% on average per year.

EPS 1Y (TTM)3.42%

EPS 3Y5.17%

EPS 5Y-7.43%

EPS Q2Q%7.02%

Revenue 1Y (TTM)4.16%

Revenue growth 3Y12.01%

Revenue growth 5Y6.49%

Sales Q2Q%3.81%

3.2 Future

HBT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.55% yearly.

HBT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.

EPS Next Y3.89%

EPS Next 2Y1.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.86%

Revenue Next 2Y3.55%

Revenue Next 3Y1.75%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.32, the valuation of HBT can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of HBT indicates a somewhat cheap valuation: HBT is cheaper than 73.54% of the companies listed in the same industry.

HBT is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.31, the valuation of HBT can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of HBT is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of HBT to the average of the S&P500 Index (35.29), we can say HBT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.32
Fwd PE	10.31

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HBT is valued a bit cheaper than the industry average as 65.39% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.78
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.65

PEG (5Y)N/A

EPS Next 2Y1.55%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HBT has a Yearly Dividend Yield of 3.32%.

Compared to an average industry Dividend Yield of 3.41, HBT has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.36, HBT pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.32%

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 Years3

Div Non Decr Years4

5.3 Sustainability

HBT pays out 33.22% of its income as dividend. This is a sustainable payout ratio.

DP33.22%

EPS Next 2Y1.55%

EPS Next 3YN/A

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HBT FINANCIAL INC/DE

NASDAQ:HBT (8/18/2025, 10:35:48 AM)

24.98

-0.01 (-0.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/bmo

Earnings (Next)10-20 2025-10-20/bmo

Inst Owners24.62%

Inst Owner Change-1.39%

Ins Owners8.87%

Ins Owner Change3.23%

Market Cap786.87M

Analysts75.56

Price Target29.99 (20.06%)

Short Float %0.77%

Short Ratio3.32

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.32%

Yearly Dividend0.76

Dividend Growth(5Y)N/A

DP33.22%

Div Incr Years3

Div Non Decr Years4

Ex-Date08-05 2025-08-05 (0.21)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.14%

Min EPS beat(2)0.79%

Max EPS beat(2)5.48%

EPS beat(4)3

Avg EPS beat(4)3.52%

Min EPS beat(4)-1.77%

Max EPS beat(4)9.58%

EPS beat(8)6

Avg EPS beat(8)2.59%

EPS beat(12)9

Avg EPS beat(12)2.96%

EPS beat(16)13

Avg EPS beat(16)5.81%

Revenue beat(2)1

Avg Revenue beat(2)-0.89%

Min Revenue beat(2)-1.99%

Max Revenue beat(2)0.21%

Revenue beat(4)2

Avg Revenue beat(4)-0.59%

Min Revenue beat(4)-2.23%

Max Revenue beat(4)1.66%

Revenue beat(8)2

Avg Revenue beat(8)-3.19%

Revenue beat(12)3

Avg Revenue beat(12)-2.61%

Revenue beat(16)6

Avg Revenue beat(16)-1.66%

PT rev (1m)13.95%

PT rev (3m)17.6%

EPS NQ rev (1m)2.14%

EPS NQ rev (3m)6.19%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0.39%

Revenue NQ rev (3m)1.91%

Revenue NY rev (1m)-0.08%

Revenue NY rev (3m)-0.08%

Valuation

		Industry Rank	Sector Rank
PE	10.32
Fwd PE	10.31
P/S	3.39
P/FCF	9.78
P/OCF	9.11
P/B	1.35
P/tB	1.62
EV/EBITDA	N/A

EPS(TTM)2.42

EY9.69%

EPS(NY)2.42

Fwd EY9.7%

FCF(TTM)2.55

FCFY10.22%

OCF(TTM)2.74

OCFY10.98%

SpS7.37

BVpS18.44

TBVpS15.46

PEG (NY)2.65

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.53%
ROE	13.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	33.04%
GM	N/A
FCFM	34.64%

ROA(3y)1.35%

ROA(5y)1.27%

ROE(3y)13.91%

ROE(5y)13.1%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.13%

PM growth 5Y-4.76%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.16
Debt/EBITDA	N/A
Cap/Depr	101.41%
Cap/Sales	2.54%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	104.82%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC12.77%

ROIC/WACCN/A

Cap/Depr(3y)58.77%

Cap/Depr(5y)49.18%

Cap/Sales(3y)1.47%

Cap/Sales(5y)1.26%

Profit Quality(3y)112.99%

Profit Quality(5y)98.71%

High Growth Momentum

Growth

EPS 1Y (TTM)3.42%

EPS 3Y5.17%

EPS 5Y-7.43%

EPS Q2Q%7.02%

EPS Next Y3.89%

EPS Next 2Y1.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.16%

Revenue growth 3Y12.01%

Revenue growth 5Y6.49%

Sales Q2Q%3.81%

Revenue Next Year4.86%

Revenue Next 2Y3.55%

Revenue Next 3Y1.75%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y6.04%

FCF growth 3Y25.94%

FCF growth 5Y-0.73%

OCF growth 1Y10.84%

OCF growth 3Y27.6%

OCF growth 5Y0.06%

HBT FINANCIAL INC/DE (HBT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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