HBT FINANCIAL INC/DE (HBT) Stock Fundamental Analysis
NASDAQ:HBT - Nasdaq - US4041111067 - Common Stock - Currency: USD
HBT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 397 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 on the other hand it scores bad on growth.
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.
In the past 5 years HBT has always been profitable.
Each year in the past 5 years HBT had a positive operating cash flow.
1.2 Ratios
HBT has a Return On Assets of 1.43%. This is amongst the best in the industry. HBT outperforms 89.42% of its industry peers.
HBT has a Return On Equity of 13.18%. This is amongst the best in the industry. HBT outperforms 87.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.43% | ||
| ROE | 13.18% | ||
| 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 (31.98%) is better than 86.90% of its industry peers.
HBT's Profit Margin has declined in the last couple of years.
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) | 31.98% | ||
| 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
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.
HBT has more shares outstanding than it did 5 years ago.
HBT has a better debt/assets ratio than last year.
2.2 Solvency
HBT has a debt to FCF ratio of 1.45. This is a very positive value and a sign of high solvency as it would only need 1.45 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.45, HBT is doing good in the industry, outperforming 62.47% of the companies in the same industry.
HBT has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of HBT (0.22) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HBT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.02%.
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 2.21% in the last year.
HBT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.49% yearly.
EPS 1Y (TTM)3.02%
EPS 3Y5.17%
EPS 5Y-7.43%
EPS Q2Q%7.02%
Revenue 1Y (TTM)2.21%
Revenue growth 3Y12.01%
Revenue growth 5Y6.49%
Sales Q2Q%10.89%
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 0.02% on average per year.
The Revenue is expected to grow by 3.55% on average over the next years.
EPS Next Y-0.44%
EPS Next 2Y0.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.83%
Revenue Next 2Y3.55%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 9.74, the valuation of HBT can be described as reasonable.
HBT's Price/Earnings ratio is a bit cheaper when compared to the industry. HBT is cheaper than 77.58% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.29, HBT is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.90, the valuation of HBT can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as HBT.
When comparing the Price/Forward Earnings ratio of HBT to the average of the S&P500 Index (20.42), we can say HBT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.74 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBT indicates a somewhat cheap valuation: HBT is cheaper than 72.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HBT has a Yearly Dividend Yield of 3.64%. Purely for dividend investing, there may be better candidates out there.
HBT's Dividend Yield is a higher than the industry average which is at 3.49.
Compared to an average S&P500 Dividend Yield of 2.43, HBT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
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
33.69% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.
DP33.69%
EPS Next 2Y0.02%
EPS Next 3YN/A
23.27
-0.3 (-1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners25.09%
Inst Owner Change-4.93%
Ins Owners5.23%
Ins Owner Change3.23%
Market Cap736.03M
Analysts73.33
Price Target25.3 (8.72%)
Short Float %0.73%
Short Ratio2.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
Yearly Dividend0.76
Dividend Growth(5Y)N/A
DP33.69%
Div Incr Years3
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.91%
Min EPS beat(2)-1.77%
Max EPS beat(2)9.58%
EPS beat(4)3
Avg EPS beat(4)3.16%
Min EPS beat(4)-1.77%
Max EPS beat(4)9.58%
EPS beat(8)5
Avg EPS beat(8)2.22%
EPS beat(12)9
Avg EPS beat(12)4.77%
EPS beat(16)13
Avg EPS beat(16)8.11%
Revenue beat(2)1
Avg Revenue beat(2)-0.29%
Min Revenue beat(2)-2.23%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-2.69%
Min Revenue beat(4)-8.54%
Max Revenue beat(4)1.66%
Revenue beat(8)1
Avg Revenue beat(8)-3.98%
Revenue beat(12)4
Avg Revenue beat(12)-2.32%
Revenue beat(16)6
Avg Revenue beat(16)-1.75%
PT rev (1m)-4.62%
PT rev (3m)-4.62%
EPS NQ rev (1m)-1.1%
EPS NQ rev (3m)-1.1%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-0.18%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-0.55%
Revenue NY rev (1m)0.54%
Revenue NY rev (3m)3.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.74 | ||
| Fwd PE | 9.9 | ||
| P/S | 3.28 | ||
| P/FCF | 8.78 | ||
| P/OCF | 8.24 | ||
| P/B | 1.35 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.39
EY10.27%
EPS(NY)2.35
Fwd EY10.1%
FCF(TTM)2.65
FCFY11.39%
OCF(TTM)2.83
OCFY12.14%
SpS7.1
BVpS17.22
TBVpS14.17
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.43% | ||
| ROE | 13.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.98% | ||
| GM | N/A | ||
| FCFM | 37.37% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 95.21% | ||
| Cap/Sales | 2.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.02%
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)3.02%
EPS 3Y5.17%
EPS 5Y-7.43%
EPS Q2Q%7.02%
EPS Next Y-0.44%
EPS Next 2Y0.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.21%
Revenue growth 3Y12.01%
Revenue growth 5Y6.49%
Sales Q2Q%10.89%
Revenue Next Year3.83%
Revenue Next 2Y3.55%
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 1Y33.77%
FCF growth 3Y25.94%
FCF growth 5Y-0.73%
OCF growth 1Y35.76%
OCF growth 3Y27.6%
OCF growth 5Y0.06%