HBT FINANCIAL INC/DE (HBT) Stock Fundamental Analysis
USA - NASDAQ:HBT - US4041111067 - Common Stock
23.45 USD
-0.71 (-2.94%)
23.45 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to HBT. HBT was compared to 392 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.
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.
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 has a Return On Assets of 1.53%. This is amongst the best in the industry. HBT outperforms 89.80% of its industry peers.
HBT has a better Return On Equity (13.21%) than 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 13.21% | ||
| 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
The Profit Margin of HBT (33.04%) is better than 88.01% of its industry peers.
In the last couple of years the Profit Margin of HBT has declined.
The Operating Margin and Gross Margin are not available for HBT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.04% | ||
| 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
The debt/assets ratio for HBT has been reduced compared to a year ago.
2.2 Solvency
HBT has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.16, HBT is doing good in the industry, outperforming 65.56% of the companies in the same industry.
HBT has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
HBT has a Debt to Equity ratio (0.16) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.42% over the past year.
Measured over the past years, HBT shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.43% on average per year.
HBT shows a small growth in Revenue. In the last year, the Revenue has grown by 4.16%.
The Revenue has been growing slightly by 6.49% on average over the past years.
EPS 1Y (TTM)3.42%
EPS 3Y5.17%
EPS 5Y-7.43%
EPS Q2Q%7.02%
Revenue 1Y (TTM)4.16%
Revenue growth 3Y12.01%
Revenue growth 5Y6.49%
Sales Q2Q%3.81%
3.2 Future
The Earnings Per Share is expected to decrease by -0.97% on average over the next years.
HBT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.
EPS Next Y5.77%
EPS Next 2Y2.85%
EPS Next 3Y-0.97%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y3.74%
Revenue Next 3Y1.75%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.69, the valuation of HBT can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of HBT indicates a somewhat cheap valuation: HBT is cheaper than 79.08% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.02. HBT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.43, which indicates a very decent valuation of HBT.
The rest of the industry has a similar Price/Forward Earnings ratio as HBT.
The average S&P500 Price/Forward Earnings ratio is at 22.57. HBT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.69 | ||
| Fwd PE | 9.43 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HBT is valued a bit cheaper than the industry average as 71.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.18 | ||
| 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)1.68
PEG (5Y)N/A
EPS Next 2Y2.85%
EPS Next 3Y-0.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.39%, HBT has a reasonable but not impressive dividend return.
HBT's Dividend Yield is comparable with the industry average which is at 3.59.
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 | 3.39% |
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
33.22% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.
DP33.22%
EPS Next 2Y2.85%
EPS Next 3Y-0.97%
23.45
-0.71 (-2.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.49%
Inst Owner Change0%
Ins Owners8.87%
Ins Owner Change0%
Market Cap738.67M
Analysts75.56
Price Target29.99 (27.89%)
Short Float %0.91%
Short Ratio3.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
Yearly Dividend0.76
Dividend Growth(5Y)N/A
DP33.22%
Div Incr Years3
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.14%
Min EPS beat(2)0.79%
Max EPS beat(2)5.48%
EPS beat(4)3
Avg EPS beat(4)3.52%
Min EPS beat(4)-1.77%
Max EPS beat(4)9.58%
EPS beat(8)6
Avg EPS beat(8)2.59%
EPS beat(12)9
Avg EPS beat(12)2.96%
EPS beat(16)13
Avg EPS beat(16)5.81%
Revenue beat(2)1
Avg Revenue beat(2)-0.89%
Min Revenue beat(2)-1.99%
Max Revenue beat(2)0.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.59%
Min Revenue beat(4)-2.23%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-3.19%
Revenue beat(12)3
Avg Revenue beat(12)-2.61%
Revenue beat(16)6
Avg Revenue beat(16)-1.66%
PT rev (1m)0%
PT rev (3m)13.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.22%
EPS NY rev (1m)0.09%
EPS NY rev (3m)1.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.55%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.69 | ||
| Fwd PE | 9.43 | ||
| P/S | 3.18 | ||
| P/FCF | 9.18 | ||
| P/OCF | 8.55 | ||
| P/B | 1.27 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.42
EY10.32%
EPS(NY)2.49
Fwd EY10.6%
FCF(TTM)2.55
FCFY10.89%
OCF(TTM)2.74
OCFY11.69%
SpS7.37
BVpS18.44
TBVpS15.46
PEG (NY)1.68
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 13.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.04% | ||
| GM | N/A | ||
| FCFM | 34.64% |
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
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-3.13%
PM growth 5Y-4.76%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.16 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 101.41% | ||
| Cap/Sales | 2.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 104.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.82%
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)3.42%
EPS 3Y5.17%
EPS 5Y-7.43%
EPS Q2Q%7.02%
EPS Next Y5.77%
EPS Next 2Y2.85%
EPS Next 3Y-0.97%
EPS Next 5YN/A
Revenue 1Y (TTM)4.16%
Revenue growth 3Y12.01%
Revenue growth 5Y6.49%
Sales Q2Q%3.81%
Revenue Next Year4.97%
Revenue Next 2Y3.74%
Revenue Next 3Y1.75%
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 1Y6.04%
FCF growth 3Y25.94%
FCF growth 5Y-0.73%
OCF growth 1Y10.84%
OCF growth 3Y27.6%
OCF growth 5Y0.06%