HBT FINANCIAL INC/DE (HBT) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:HBT • US4041111067

28.76 USD
+0.47 (+1.66%)
At close: Feb 4, 2026
28.76 USD
0 (0%)
After Hours: 2/4/2026, 8:25:34 PM
Fundamental Rating

4

Overall HBT gets a fundamental rating of 4 out of 10. We evaluated HBT against 383 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 not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

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.
  • Of the past 5 years HBT 4 years were profitable.
  • HBT had a positive operating cash flow in 4 of the past 5 years.
HBT Yearly Net Income VS EBIT VS OCF VS FCFHBT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of HBT (1.56%) is better than 88.51% of its industry peers.
  • HBT's Return On Equity of 13.08% is amongst the best of the industry. HBT outperforms 87.21% of its industry peers.
Industry RankSector Rank
ROA 1.56%
ROE 13.08%
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
HBT Yearly ROA, ROE, ROICHBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • With an excellent Profit Margin value of 33.24%, HBT belongs to the best of the industry, outperforming 86.42% 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 RankSector Rank
OM N/A
PM (TTM) 33.24%
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
HBT Yearly Profit, Operating, Gross MarginsHBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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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.
  • HBT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HBT Yearly Shares OutstandingHBT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
HBT Yearly Total Debt VS Total AssetsHBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of HBT is 0.74, which is an excellent value as it means it would take HBT, only 0.74 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.74, HBT is in the better half of the industry, outperforming 74.15% of the companies in the same industry.
  • HBT has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
  • HBT's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. HBT outperforms 70.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.74
Altman-Z N/A
ROIC/WACCN/A
WACC12.3%
HBT Yearly LT Debt VS Equity VS FCFHBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HBT Yearly Current Assets VS Current LiabilitesHBT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • HBT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.83%.
  • Measured over the past years, HBT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.57% on average per year.
EPS 1Y (TTM)3.83%
EPS 3Y5.3%
EPS 5Y12.57%
EPS Q2Q%-6.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.90% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 18.41% on average over the next years. This is quite good.
EPS Next Y15.36%
EPS Next 2Y11.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.41%
Revenue Next 2Y18.41%
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 stable.
HBT Yearly Revenue VS EstimatesHBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
HBT Yearly EPS VS EstimatesHBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.79, the valuation of HBT can be described as reasonable.
  • 65.80% of the companies in the same industry are more expensive than HBT, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of HBT to the average of the S&P500 Index (28.25), we can say HBT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.22 indicates a reasonable valuation of HBT.
  • Based on the Price/Forward Earnings ratio, HBT is valued a bit cheaper than the industry average as 66.58% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.50. HBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.79
Fwd PE 10.22
HBT Price Earnings VS Forward Price EarningsHBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • HBT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.69
EV/EBITDA N/A
HBT Per share dataHBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • HBT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.77
PEG (5Y)0.94
EPS Next 2Y11.9%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • HBT has a Yearly Dividend Yield of 3.30%.
  • Compared to an average industry Dividend Yield of 2.64, HBT pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, HBT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.3%

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
HBT Yearly Dividends per shareHBT Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • HBT pays out 33.20% of its income as dividend. This is a sustainable payout ratio.
DP33.2%
EPS Next 2Y11.9%
EPS Next 3YN/A
HBT Yearly Income VS Free CF VS DividendHBT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
HBT Dividend Payout.HBT Dividend Payout, showing the Payout Ratio.HBT Dividend Payout.PayoutRetained Earnings

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HBT FINANCIAL INC/DE

NASDAQ:HBT (2/4/2026, 8:25:34 PM)

After market: 28.76 0 (0%)

28.76

+0.47 (+1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners24.36%
Inst Owner Change-0.45%
Ins Owners7.13%
Ins Owner Change-119.4%
Market Cap903.93M
Revenue(TTM)N/A
Net Income(TTM)78.34M
Analysts73.33
Price Target30.6 (6.4%)
Short Float %1.14%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Yearly Dividend0.76
Dividend Growth(5Y)N/A
DP33.2%
Div Incr Years3
Div Non Decr Years4
Ex-Date02-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.77%
Min EPS beat(2)0.74%
Max EPS beat(2)0.79%
EPS beat(4)4
Avg EPS beat(4)4.15%
Min EPS beat(4)0.74%
Max EPS beat(4)9.58%
EPS beat(8)6
Avg EPS beat(8)2.04%
EPS beat(12)9
Avg EPS beat(12)2.37%
EPS beat(16)13
Avg EPS beat(16)4.93%
Revenue beat(2)0
Avg Revenue beat(2)-5.29%
Min Revenue beat(2)-8.58%
Max Revenue beat(2)-1.99%
Revenue beat(4)2
Avg Revenue beat(4)-2.18%
Min Revenue beat(4)-8.58%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-3.93%
Revenue beat(12)3
Avg Revenue beat(12)-3.3%
Revenue beat(16)6
Avg Revenue beat(16)-2.18%
PT rev (1m)0%
PT rev (3m)4.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.31%
EPS NY rev (1m)0%
EPS NY rev (3m)0.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 11.79
Fwd PE 10.22
P/S 3.84
P/FCF 12.69
P/OCF 11.52
P/B 1.51
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)2.44
EY8.48%
EPS(NY)2.81
Fwd EY9.79%
FCF(TTM)2.27
FCFY7.88%
OCF(TTM)2.5
OCFY8.68%
SpS7.5
BVpS19.06
TBVpS16.11
PEG (NY)0.77
PEG (5Y)0.94
Graham Number32.35
Profitability
Industry RankSector Rank
ROA 1.56%
ROE 13.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.24%
GM N/A
FCFM 30.22%
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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.74
Debt/EBITDA N/A
Cap/Depr 123.09%
Cap/Sales 3.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 90.91%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.3%
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)3.83%
EPS 3Y5.3%
EPS 5Y12.57%
EPS Q2Q%-6.25%
EPS Next Y15.36%
EPS Next 2Y11.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.38%
Revenue Next Year25.41%
Revenue Next 2Y18.41%
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 1Y-3.77%
FCF growth 3Y25.94%
FCF growth 5Y-0.73%
OCF growth 1Y2.78%
OCF growth 3Y27.6%
OCF growth 5Y0.06%

HBT FINANCIAL INC/DE / HBT FAQ

What is the ChartMill fundamental rating of HBT FINANCIAL INC/DE (HBT) stock?

ChartMill assigns a fundamental rating of 4 / 10 to HBT.


What is the valuation status for HBT stock?

ChartMill assigns a valuation rating of 5 / 10 to HBT FINANCIAL INC/DE (HBT). This can be considered as Fairly Valued.


Can you provide the profitability details for HBT FINANCIAL INC/DE?

HBT FINANCIAL INC/DE (HBT) has a profitability rating of 4 / 10.


What are the PE and PB ratios of HBT FINANCIAL INC/DE (HBT) stock?

The Price/Earnings (PE) ratio for HBT FINANCIAL INC/DE (HBT) is 11.79 and the Price/Book (PB) ratio is 1.51.


Can you provide the financial health for HBT stock?

The financial health rating of HBT FINANCIAL INC/DE (HBT) is 3 / 10.