HBT FINANCIAL INC/DE (HBT) Fundamental Analysis & Valuation

NASDAQ:HBT • US4041111067

Current stock price

27.89 USD
-0.52 (-1.83%)
At close:
27.89 USD
0 (0%)
After Hours:

This HBT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. HBT Profitability Analysis

1.1 Basic Checks

  • HBT had positive earnings in the past year.
  • HBT had a positive operating cash flow in the past year.
  • Each year in the past 5 years HBT has been profitable.
  • Each year in the past 5 years HBT had a positive operating cash flow.
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 2025 20M 40M 60M 80M

1.2 Ratios

  • HBT's Return On Assets of 1.52% is amongst the best of the industry. HBT outperforms 87.23% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.51%, HBT belongs to the top of the industry, outperforming 83.24% of the companies in the same industry.
Industry RankSector Rank
ROA 1.52%
ROE 12.51%
ROIC N/A
ROA(3y)1.41%
ROA(5y)1.37%
ROE(3y)13.05%
ROE(5y)13.58%
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 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 32.48%, HBT belongs to the top of the industry, outperforming 83.78% of the companies in the same industry.
  • In the last couple of years the Profit Margin of HBT has grown nicely.
  • 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) 32.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.32%
PM growth 5Y6.07%
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 2025 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. HBT Health Analysis

2.1 Basic Checks

  • HBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for HBT has been reduced compared to 1 year ago.
  • The number of shares outstanding for HBT has been increased compared to 5 years ago.
  • HBT has a better debt/assets ratio than last year.
HBT Yearly Shares OutstandingHBT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • HBT has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.71, HBT is in the better half of the industry, outperforming 75.53% 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.
  • The Debt to Equity ratio of HBT (0.09) is better than 71.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.71
Altman-Z N/A
ROIC/WACCN/A
WACC11.95%
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 2025 200M 400M 600M

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

More info and screens

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

6

3. HBT Growth Analysis

3.1 Past

  • HBT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.83%.
  • The Earnings Per Share has been growing by 12.57% on average over the past years. This is quite good.
  • HBT shows a small growth in Revenue. In the last year, the Revenue has grown by 5.64%.
  • HBT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.28% yearly.
EPS 1Y (TTM)3.83%
EPS 3Y5.3%
EPS 5Y12.57%
EPS Q2Q%-6.25%
Revenue 1Y (TTM)5.64%
Revenue growth 3Y9.5%
Revenue growth 5Y9.28%
Sales Q2Q%2.38%

3.2 Future

  • Based on estimates for the next years, HBT will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.55% on average per year.
  • Based on estimates for the next years, HBT will show a quite strong growth in Revenue. The Revenue will grow by 18.64% on average per year.
EPS Next Y17.89%
EPS Next 2Y12.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.55%
Revenue Next 2Y18.64%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. HBT Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.43 indicates a reasonable valuation of HBT.
  • HBT's Price/Earnings ratio is a bit cheaper when compared to the industry. HBT is cheaper than 65.43% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.71, HBT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.70, which indicates a very decent valuation of HBT.
  • HBT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HBT is cheaper than 68.35% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of HBT to the average of the S&P500 Index (38.09), we can say HBT is valued rather cheaply.
Industry RankSector Rank
PE 11.43
Fwd PE 9.7
HBT Price Earnings VS Forward Price EarningsHBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • HBT's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.57
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.
  • A more expensive valuation may be justified as HBT's earnings are expected to grow with 12.55% in the coming years.
PEG (NY)0.64
PEG (5Y)0.91
EPS Next 2Y12.55%
EPS Next 3YN/A

More info and screens

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

7

5. HBT Dividend Analysis

5.1 Amount

  • HBT has a Yearly Dividend Yield of 3.27%. 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 2.57.
  • HBT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.27%

5.2 History

  • On average, the dividend of HBT grows each year by 7.06%, which is quite nice.
  • HBT has been paying a dividend for over 5 years, so it has already some track record.
  • As HBT did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.06%
Div Incr Years4
Div Non Decr Years5
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 34.55% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of HBT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.55%
EPS Next 2Y12.55%
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 2025 50M 100M 150M 200M
HBT Dividend Payout.HBT Dividend Payout, showing the Payout Ratio.HBT Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

HBT Fundamentals: All Metrics, Ratios and Statistics

HBT FINANCIAL INC/DE

NASDAQ:HBT (4/21/2026, 8:00:02 PM)

After market: 27.89 0 (0%)

27.89

-0.52 (-1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners21.26%
Inst Owner Change0.4%
Ins Owners6.53%
Ins Owner Change-110.08%
Market Cap1.02B
Revenue(TTM)237.09M
Net Income(TTM)77.01M
Analysts75.56
Price Target30.8 (10.43%)
Short Float %0.89%
Short Ratio2.29
Dividend
Industry RankSector Rank
Dividend Yield 3.27%
Yearly Dividend0.84
Dividend Growth(5Y)7.06%
DP34.55%
Div Incr Years4
Div Non Decr Years5
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.09%
Min EPS beat(2)-6.92%
Max EPS beat(2)0.74%
EPS beat(4)3
Avg EPS beat(4)0.02%
Min EPS beat(4)-6.92%
Max EPS beat(4)5.48%
EPS beat(8)6
Avg EPS beat(8)1.59%
EPS beat(12)8
Avg EPS beat(12)1.49%
EPS beat(16)12
Avg EPS beat(16)3.58%
Revenue beat(2)0
Avg Revenue beat(2)-5.26%
Min Revenue beat(2)-8.58%
Max Revenue beat(2)-1.94%
Revenue beat(4)1
Avg Revenue beat(4)-3.08%
Min Revenue beat(4)-8.58%
Max Revenue beat(4)0.21%
Revenue beat(8)2
Avg Revenue beat(8)-2.88%
Revenue beat(12)2
Avg Revenue beat(12)-3.68%
Revenue beat(16)5
Avg Revenue beat(16)-2.51%
PT rev (1m)0.67%
PT rev (3m)-1.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.84%
EPS NY rev (1m)2.19%
EPS NY rev (3m)3.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.85%
Valuation
Industry RankSector Rank
PE 11.43
Fwd PE 9.7
P/S 4.28
P/FCF 13.57
P/OCF 11.93
P/B 1.65
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)2.44
EY8.75%
EPS(NY)2.88
Fwd EY10.31%
FCF(TTM)2.06
FCFY7.37%
OCF(TTM)2.34
OCFY8.38%
SpS6.51
BVpS16.91
TBVpS14.39
PEG (NY)0.64
PEG (5Y)0.91
Graham Number30.4683 (9.24%)
Profitability
Industry RankSector Rank
ROA 1.52%
ROE 12.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.48%
GM N/A
FCFM 31.56%
ROA(3y)1.41%
ROA(5y)1.37%
ROE(3y)13.05%
ROE(5y)13.58%
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 3Y1.32%
PM growth 5Y6.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.71
Debt/EBITDA N/A
Cap/Depr 172.92%
Cap/Sales 4.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC11.95%
ROIC/WACCN/A
Cap/Depr(3y)107.46%
Cap/Depr(5y)74.84%
Cap/Sales(3y)2.72%
Cap/Sales(5y)1.88%
Profit Quality(3y)103.09%
Profit Quality(5y)102.17%
High Growth Momentum
Growth
EPS 1Y (TTM)3.83%
EPS 3Y5.3%
EPS 5Y12.57%
EPS Q2Q%-6.25%
EPS Next Y17.89%
EPS Next 2Y12.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.64%
Revenue growth 3Y9.5%
Revenue growth 5Y9.28%
Sales Q2Q%2.38%
Revenue Next Year31.55%
Revenue Next 2Y18.64%
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-10.78%
FCF growth 3Y1.51%
FCF growth 5Y20.54%
OCF growth 1Y-4.81%
OCF growth 3Y5.43%
OCF growth 5Y22.17%

HBT FINANCIAL INC/DE / HBT Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 10 to HBT.


Can you provide the valuation status for HBT FINANCIAL INC/DE?

ChartMill assigns a valuation rating of 6 / 10 to HBT FINANCIAL INC/DE (HBT). This can be considered as Fairly Valued.


What is the profitability of HBT stock?

HBT FINANCIAL INC/DE (HBT) has a profitability rating of 5 / 10.


What is the valuation of HBT FINANCIAL INC/DE based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HBT FINANCIAL INC/DE (HBT) is 11.43 and the Price/Book (PB) ratio is 1.65.


Is the dividend of HBT FINANCIAL INC/DE sustainable?

The dividend rating of HBT FINANCIAL INC/DE (HBT) is 7 / 10 and the dividend payout ratio is 34.55%.