26.82 USD
+0.72 (+2.76%)
26.82 USD
0 (0%)
Overall HBT gets a fundamental rating of 4 out of 10. We evaluated HBT against 387 industry peers in the Banks industry. While HBT is still in line with the averages on profitability rating, there are concerns on its financial health. HBT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year HBT was profitable.
HBT had a positive operating cash flow in the past year.
In the past 5 years HBT has always 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 88.63% of its industry peers.
HBT has a better Return On Equity (13.08%) than 87.60% of its industry peers.
| 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
HBT has a Profit Margin of 33.24%. This is amongst the best in the industry. HBT outperforms 86.56% of its industry peers.
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.
The number of shares outstanding for HBT has been reduced compared to 1 year ago.
HBT has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, HBT has an improved debt to assets ratio.
2.2 Solvency
HBT has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of 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 73.90% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that HBT is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.09, HBT is doing good in the industry, outperforming 71.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.43%
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
The Earnings Per Share is expected to grow by 6.45% on average over the next years.
HBT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.03% yearly.
EPS Next Y6.85%
EPS Next 2Y8.78%
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.81, the valuation of HBT can be described as reasonable.
Based on the Price/Earnings ratio, HBT is valued a bit cheaper than 73.13% of the companies in the same industry.
HBT is valuated cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.65, the valuation of HBT can be described as reasonable.
Based on the Price/Forward Earnings ratio, HBT is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
HBT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 9.65 |
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 | 11.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.58
PEG (5Y)N/A
EPS Next 2Y8.78%
EPS Next 3Y6.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.25%, HBT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, HBT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, HBT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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
HBT pays out 33.20% of its income as dividend. This is a sustainable payout ratio.
DP33.2%
EPS Next 2Y8.78%
EPS Next 3Y6.45%
26.82
+0.72 (+2.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.36%
Inst Owner Change0%
Ins Owners7.13%
Ins Owner Change-119.4%
Market Cap842.95M
Revenue(TTM)235.68M
Net Income(TTM)78.34M
Analysts73.33
Price Target31.37 (16.96%)
Short Float %1.06%
Short Ratio3.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
Yearly Dividend0.76
Dividend Growth(5Y)N/A
DP33.2%
Div Incr Years3
Div Non Decr Years4
Ex-DateN/A
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)1.23%
PT rev (3m)4.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)0.13%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 9.65 | ||
| P/S | 3.58 | ||
| P/FCF | 11.84 | ||
| P/OCF | 10.75 | ||
| P/B | 1.41 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.48
EY9.25%
EPS(NY)2.78
Fwd EY10.37%
FCF(TTM)2.27
FCFY8.45%
OCF(TTM)2.5
OCFY9.31%
SpS7.5
BVpS19.06
TBVpS16.11
PEG (NY)1.58
PEG (5Y)N/A
Graham Number32.61
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
WACC12.43%
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 Y6.85%
EPS Next 2Y8.78%
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 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 10.81 and the Price/Book (PB) ratio is 1.41.
Can you provide the financial health for HBT stock?
The financial health rating of HBT FINANCIAL INC/DE (HBT) is 3 / 10.