HBT FINANCIAL INC/DE (HBT) Stock Fundamental Analysis
USA - NASDAQ:HBT - US4041111067 - Common Stock
22.94 USD
-0.89 (-3.73%)
22.94 USD
0 (0%)
HBT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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 decent growth rate and is not valued too expensively.
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.
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's Return On Assets of 1.56% is amongst the best of the industry. HBT outperforms 89.69% of its industry peers.
Looking at the Return On Equity, with a value of 13.08%, HBT belongs to the top of the industry, outperforming 87.37% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 33.24%, HBT belongs to the best of the industry, outperforming 88.14% 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) | 33.24% | ||
| 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
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
Compared to 5 years ago, HBT has more shares outstanding
Compared to 1 year ago, HBT has an improved debt to assets ratio.
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.
HBT has a better Debt to FCF ratio (0.74) than 76.80% of its industry peers.
HBT has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
HBT has a Debt to Equity ratio of 0.09. This is in the better half of the industry: HBT outperforms 71.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.30%, which is quite good.
The Earnings Per Share has been decreasing by -7.43% on average over the past years.
The Revenue has been growing slightly by 6.31% in the past year.
The Revenue has been growing slightly by 6.49% on average over the past years.
EPS 1Y (TTM)8.3%
EPS 3Y5.17%
EPS 5Y-7.43%
EPS Q2Q%10.53%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y12.01%
Revenue growth 5Y6.49%
Sales Q2Q%-1.35%
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 6.45% on average per year.
The Revenue is expected to grow by 11.03% on average over the next years. This is quite good.
EPS Next Y6.71%
EPS Next 2Y8.76%
EPS Next 3Y6.45%
EPS Next 5YN/A
Revenue Next Year5.13%
Revenue Next 2Y18.1%
Revenue Next 3Y11.03%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
HBT is valuated reasonably with a Price/Earnings ratio of 9.25.
Based on the Price/Earnings ratio, HBT is valued a bit cheaper than the industry average as 79.90% of the companies are valued more expensively.
HBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.56.
A Price/Forward Earnings ratio of 8.25 indicates a reasonable valuation of HBT.
HBT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HBT is cheaper than 73.45% of the companies in the same industry.
HBT is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.62, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 8.25 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HBT is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HBT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.38
PEG (5Y)N/A
EPS Next 2Y8.76%
EPS Next 3Y6.45%
5. Dividend
5.1 Amount
HBT has a Yearly Dividend Yield of 3.55%.
HBT's Dividend Yield is a higher than the industry average which is at 3.39.
Compared to an average S&P500 Dividend Yield of 2.44, HBT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
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
33.20% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.
DP33.2%
EPS Next 2Y8.76%
EPS Next 3Y6.45%
22.94
-0.89 (-3.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.49%
Inst Owner Change-0.92%
Ins Owners8.87%
Ins Owner Change-4.85%
Market Cap722.61M
Revenue(TTM)235.68M
Net Income(TTM)78.34M
Analysts73.33
Price Target30.09 (31.17%)
Short Float %0.85%
Short Ratio2.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
Yearly Dividend0.76
Dividend Growth(5Y)N/A
DP33.2%
Div Incr Years3
Div Non Decr Years4
Ex-Date
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)0.34%
PT rev (3m)0.34%
EPS NQ rev (1m)1.79%
EPS NQ rev (3m)2.32%
EPS NY rev (1m)0.89%
EPS NY rev (3m)2.71%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)0.65%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 8.25 | ||
| P/S | 3.07 | ||
| P/FCF | 10.15 | ||
| P/OCF | 9.21 | ||
| P/B | 1.21 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.48
EY10.81%
EPS(NY)2.78
Fwd EY12.12%
FCF(TTM)2.26
FCFY9.86%
OCF(TTM)2.49
OCFY10.86%
SpS7.48
BVpS19.02
TBVpS16.07
PEG (NY)1.38
PEG (5Y)N/A
Graham Number32.58
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC12.89%
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)8.3%
EPS 3Y5.17%
EPS 5Y-7.43%
EPS Q2Q%10.53%
EPS Next Y6.71%
EPS Next 2Y8.76%
EPS Next 3Y6.45%
EPS Next 5YN/A
Revenue 1Y (TTM)6.31%
Revenue growth 3Y12.01%
Revenue growth 5Y6.49%
Sales Q2Q%-1.35%
Revenue Next Year5.13%
Revenue Next 2Y18.1%
Revenue Next 3Y11.03%
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 of HBT FINANCIAL INC/DE (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 9.25 and the Price/Book (PB) ratio is 1.21.
Can you provide the dividend sustainability for HBT stock?
The dividend rating of HBT FINANCIAL INC/DE (HBT) is 5 / 10 and the dividend payout ratio is 33.2%.