HBT Fundamental Analysis - HBT FINANCIAL INC/DE

Fundamental Rating

Taking everything into account, HBT scores 4 out of 10 in our fundamental rating. HBT was compared to 396 industry peers in the Banks industry. HBT has a medium profitability rating, but doesn't score so well on its financial health evaluation. HBT has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year HBT was profitable.

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

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

HBT had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

HBT's Return On Assets of 1.47% is amongst the best of the industry. HBT outperforms 88.89% of its industry peers.

HBT has a better Return On Equity (13.27%) than 87.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.47%
ROE	13.27%
ROIC	N/A

ROA(3y)1.35%

ROA(5y)1.27%

ROE(3y)13.93%

ROE(5y)13.11%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of HBT (32.59%) is better than 88.13% of its industry peers.

In the last couple of years the Profit Margin of HBT has declined.

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)	32.59%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.04%

PM growth 5Y-4.7%

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 about the same amout of shares outstanding than it did 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

The Debt to FCF ratio of HBT is 1.10, which is an excellent value as it means it would take HBT, only 1.10 years of fcf income to pay off all of its debts.

HBT has a better Debt to FCF ratio (1.10) than 71.21% of its industry peers.

A Debt/Equity ratio of 0.17 indicates that HBT is not too dependend on debt financing.

HBT's Debt to Equity ratio of 0.17 is in line compared to the rest of the industry. HBT outperforms 50.76% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.1
Altman-Z	N/A

ROIC/WACCN/A

WACC12.69%

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

The Earnings Per Share has been growing slightly by 4.27% over the past year.

The Earnings Per Share has been decreasing by -7.46% on average over the past years.

Looking at the last year, HBT shows a decrease in Revenue. The Revenue has decreased by -1.19% 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)4.27%

EPS 3Y5.17%

EPS 5Y-7.46%

EPS Q2Q%10.53%

Revenue 1Y (TTM)-1.19%

Revenue growth 3Y12.01%

Revenue growth 5Y6.49%

Sales Q2Q%3.82%

3.2 Future

The Earnings Per Share is expected to grow by 1.55% on average over the next years.

Based on estimates for the next years, HBT will show a small growth in Revenue. The Revenue will grow by 3.84% on average per year.

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.

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

HBT is valuated reasonably with a Price/Earnings ratio of 10.80.

74.24% of the companies in the same industry are more expensive than HBT, based on the Price/Earnings ratio.

HBT is valuated cheaply when we compare the Price/Earnings ratio to 27.46, which is the current average of the S&P500 Index.

HBT is valuated reasonably with a Price/Forward Earnings ratio of 10.87.

HBT's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, HBT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.8
Fwd PE	10.87

4.2 Price Multiples

68.18% of the companies in the same industry are more expensive than HBT, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.6
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)2.78

PEG (5Y)N/A

EPS Next 2Y1.55%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.32%, HBT has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.29, HBT pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.34, 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

32.80% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.

DP32.8%

EPS Next 2Y1.55%

EPS Next 3YN/A

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HBT FINANCIAL INC/DE

NASDAQ:HBT (7/21/2025, 4:30:01 PM)

After market: 26.35 0 (0%)

26.35

+1.04 (+4.11%)

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-0.03%

Ins Owners5.2%

Ins Owner Change3.23%

Market Cap830.02M

Analysts75.56

Price Target26.32 (-0.11%)

Short Float %0.85%

Short Ratio3.59

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.32%

Yearly Dividend0.75

Dividend Growth(5Y)N/A

DP32.8%

Div Incr Years3

Div Non Decr Years4

Ex-Date05-06 2025-05-06 (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)0.39%

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)1.7%

Valuation

		Industry Rank	Sector Rank
PE	10.8
Fwd PE	10.87
P/S	3.61
P/FCF	9.6
P/OCF	9.02
P/B	1.47
P/tB	1.77
EV/EBITDA	N/A

EPS(TTM)2.44

EY9.26%

EPS(NY)2.42

Fwd EY9.2%

FCF(TTM)2.75

FCFY10.42%

OCF(TTM)2.92

OCFY11.08%

SpS7.31

BVpS17.94

TBVpS14.89

PEG (NY)2.78

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.47%
ROE	13.27%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.59%
GM	N/A
FCFM	37.59%

ROA(3y)1.35%

ROA(5y)1.27%

ROE(3y)13.93%

ROE(5y)13.11%

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-3.04%

PM growth 5Y-4.7%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.1
Debt/EBITDA	N/A
Cap/Depr	94.93%
Cap/Sales	2.39%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	115.33%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC12.69%

ROIC/WACCN/A

Cap/Depr(3y)58.78%

Cap/Depr(5y)49.19%

Cap/Sales(3y)1.47%

Cap/Sales(5y)1.26%

Profit Quality(3y)112.69%

Profit Quality(5y)98.53%

High Growth Momentum

Growth

EPS 1Y (TTM)4.27%

EPS 3Y5.17%

EPS 5Y-7.46%

EPS Q2Q%10.53%

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%3.82%

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 1Y21.05%

FCF growth 3Y25.75%

FCF growth 5Y-0.82%

OCF growth 1Y26.3%

OCF growth 3Y27.42%

OCF growth 5Y-0.02%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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