HBT Fundamental Analysis - HBT FINANCIAL INC/DE

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HBT. HBT was compared to 393 industry peers in the Banks industry. HBT has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.

In the past year HBT had a positive cash flow from operations.

HBT had positive earnings in each of the past 5 years.

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

1.2 Ratios

The Return On Assets of HBT (1.48%) is better than 88.89% of its industry peers.

With an excellent Return On Equity value of 13.37%, HBT belongs to the best of the industry, outperforming 88.13% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.48%
ROE	13.37%
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

The Profit Margin of HBT (32.82%) is better than 88.13% 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)	32.82%
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.

HBT has less shares outstanding than it did 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

HBT has a debt to FCF ratio of 1.09. This is a very positive value and a sign of high solvency as it would only need 1.09 years to pay back of all of its debts.

HBT has a better Debt to FCF ratio (1.09) than 72.22% of its industry peers.

HBT has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.17, HBT perfoms like the industry average, outperforming 50.76% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.09
Altman-Z	N/A

ROIC/WACCN/A

WACC12.74%

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%.

The Earnings Per Share has been decreasing by -7.43% on average over the past years.

HBT shows a decrease in Revenue. In the last year, the revenue decreased by -1.19%.

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)-1.19%

Revenue growth 3Y12.01%

Revenue growth 5Y6.49%

Sales Q2Q%3.81%

3.2 Future

Based on estimates for the next years, HBT will show a small growth in Earnings Per Share. The EPS will grow by 1.55% on average per year.

The Revenue is expected to grow by 3.84% on average over the next years.

EPS Next Y3.89%

EPS Next 2Y1.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.94%

Revenue Next 2Y3.84%

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. Valuation

4.1 Price/Earnings Ratio

HBT is valuated reasonably with a Price/Earnings ratio of 10.61.

HBT's Price/Earnings ratio is a bit cheaper when compared to the industry. HBT is cheaper than 73.23% of the companies in the same industry.

When comparing the Price/Earnings ratio of HBT to the average of the S&P500 Index (28.05), we can say HBT is valued rather cheaply.

The Price/Forward Earnings ratio is 10.60, which indicates a very decent valuation of HBT.

The rest of the industry has a similar Price/Forward Earnings ratio as HBT.

HBT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.67.

		Industry Rank	Sector Rank
PE	10.61
Fwd PE	10.6

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HBT is valued a bit cheaper than the industry average as 70.96% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.26
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)2.73

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 3.18%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.38, HBT has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.30, HBT pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.18%

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

32.81% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.

DP32.81%

EPS Next 2Y1.55%

EPS Next 3YN/A

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HBT FINANCIAL INC/DE

NASDAQ:HBT (7/25/2025, 8:00:01 PM)

After market: 25.68 0 (0%)

25.68

+0.22 (+0.86%)

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 Owners24.8%

Inst Owner Change-0.7%

Ins Owners5.2%

Ins Owner Change3.23%

Market Cap808.92M

Analysts75.56

Price Target26.32 (2.49%)

Short Float %0.85%

Short Ratio3.59

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.18%

Yearly Dividend0.76

Dividend Growth(5Y)N/A

DP32.81%

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)7.53%

Min EPS beat(2)5.48%

Max EPS beat(2)9.58%

EPS beat(4)3

Avg EPS beat(4)3.71%

Min EPS beat(4)-1.77%

Max EPS beat(4)9.58%

EPS beat(8)5

Avg EPS beat(8)1.43%

EPS beat(12)9

Avg EPS beat(12)4.08%

EPS beat(16)13

Avg EPS beat(16)6.31%

Revenue beat(2)2

Avg Revenue beat(2)0.94%

Min Revenue beat(2)0.21%

Max Revenue beat(2)1.66%

Revenue beat(4)2

Avg Revenue beat(4)-0.5%

Min Revenue beat(4)-2.23%

Max Revenue beat(4)1.66%

Revenue beat(8)2

Avg Revenue beat(8)-3.16%

Revenue beat(12)4

Avg Revenue beat(12)-2.37%

Revenue beat(16)6

Avg Revenue beat(16)-1.85%

PT rev (1m)0%

PT rev (3m)4.03%

EPS NQ rev (1m)-0.47%

EPS NQ rev (3m)3.96%

EPS NY rev (1m)0%

EPS NY rev (3m)4.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.72%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.07%

Valuation

		Industry Rank	Sector Rank
PE	10.61
Fwd PE	10.6
P/S	3.52
P/FCF	9.26
P/OCF	8.72
P/B	1.43
P/tB	1.72
EV/EBITDA	N/A

EPS(TTM)2.42

EY9.42%

EPS(NY)2.42

Fwd EY9.44%

FCF(TTM)2.77

FCFY10.79%

OCF(TTM)2.95

OCFY11.47%

SpS7.31

BVpS17.94

TBVpS14.91

PEG (NY)2.73

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.48%
ROE	13.37%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.82%
GM	N/A
FCFM	37.95%

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-Score9

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.09
Debt/EBITDA	N/A
Cap/Depr	94.77%
Cap/Sales	2.39%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	115.62%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC12.74%

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)-1.19%

Revenue growth 3Y12.01%

Revenue growth 5Y6.49%

Sales Q2Q%3.81%

Revenue Next Year4.94%

Revenue Next 2Y3.84%

Revenue Next 3YN/A

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 1Y22.2%

FCF growth 3Y25.94%

FCF growth 5Y-0.73%

OCF growth 1Y27.42%

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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