HBT FINANCIAL INC/DE(NASDAQ:HBT) stock Fundamental Analysis

Fundamental Rating

Overall HBT gets a fundamental rating of 4 out of 10. We evaluated HBT against 405 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 has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

HBT had positive earnings in the past year.

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

In the past 5 years HBT has always been profitable.

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

1.2 Ratios

The Return On Assets of HBT (1.40%) is better than 88.19% of its industry peers.

HBT has a better Return On Equity (13.01%) than 88.19% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.4%
ROE	13.01%
ROIC	N/A

ROA(3y)1.31%

ROA(5y)1.4%

ROE(3y)14.06%

ROE(5y)14.48%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of HBT (31.55%) is better than 86.43% 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)	31.55%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.19%

PM growth 5Y-6.26%

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.

Compared to 1 year ago, HBT has more shares outstanding

HBT has more shares outstanding than it did 5 years ago.

HBT has a better debt/assets ratio than last year.

2.2 Solvency

HBT has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.

HBT has a better Debt to FCF ratio (1.52) than 66.58% of its industry peers.

A Debt/Equity ratio of 0.23 indicates that HBT is not too dependend on debt financing.

HBT's Debt to Equity ratio of 0.23 is in line compared to the rest of the industry. HBT outperforms 44.22% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACCN/A

WACC9.75%

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 for HBT have decreased by -4.18% in the last year.

HBT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.15% yearly.

HBT shows a small growth in Revenue. In the last year, the Revenue has grown by 0.35%.

Measured over the past years, HBT shows a small growth in Revenue. The Revenue has been growing by 7.34% on average per year.

EPS 1Y (TTM)-4.18%

EPS 3Y20.8%

EPS 5Y-10.15%

EPS Q2Q%-8.06%

Revenue 1Y (TTM)0.35%

Revenue growth 3Y14.3%

Revenue growth 5Y7.34%

Sales Q2Q%-2.3%

3.2 Future

The Earnings Per Share is expected to decrease by -3.30% on average over the next years.

Based on estimates for the next years, HBT will show a decrease in Revenue. The Revenue will decrease by -0.26% on average per year.

EPS Next Y-2.14%

EPS Next 2Y-4.4%

EPS Next 3Y-3.3%

EPS Next 5YN/A

Revenue Next Year-2.36%

Revenue Next 2Y-1.17%

Revenue Next 3Y-0.26%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.61 indicates a reasonable valuation of HBT.

Compared to the rest of the industry, the Price/Earnings ratio of HBT indicates a rather cheap valuation: HBT is cheaper than 86.18% of the companies listed in the same industry.

HBT is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.11, 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 72.11% 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 24.44.

		Industry Rank	Sector Rank
PE	9.61
Fwd PE	10.11

4.2 Price Multiples

HBT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HBT is cheaper than 77.39% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.68
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as HBT's earnings are expected to decrease with -3.30% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-4.4%

EPS Next 3Y-3.3%

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5. Dividend

5.1 Amount

HBT has a Yearly Dividend Yield of 3.45%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.22, HBT pays a bit more dividend than its industry peers.

HBT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	3.45%

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

33.72% of the earnings are spent on dividend by HBT. This is a low number and sustainable payout ratio.

DP33.72%

EPS Next 2Y-4.4%

EPS Next 3Y-3.3%

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HBT FINANCIAL INC/DE

NASDAQ:HBT (1/22/2025, 10:32:50 AM)

-0.38 (-1.7%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-21 2024-10-21/bmo

Earnings (Next)01-22 2025-01-22/bmo

Inst Owners24.71%

Inst Owner Change-0.42%

Ins Owners5.23%

Ins Owner Change-0.94%

Market Cap694.32M

Analysts75

Price Target26.27 (19.41%)

Short Float %0.63%

Short Ratio2.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.45%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP33.72%

Div Incr Years3

Div Non Decr Years4

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.11%

Min EPS beat(2)-1.77%

Max EPS beat(2)1.54%

EPS beat(4)2

Avg EPS beat(4)-0.07%

Min EPS beat(4)-3.32%

Max EPS beat(4)3.29%

EPS beat(8)5

Avg EPS beat(8)1.48%

EPS beat(12)9

Avg EPS beat(12)5.19%

EPS beat(16)13

Avg EPS beat(16)8.79%

Revenue beat(2)0

Avg Revenue beat(2)-1.94%

Min Revenue beat(2)-2.23%

Max Revenue beat(2)-1.64%

Revenue beat(4)0

Avg Revenue beat(4)-5.68%

Min Revenue beat(4)-10.31%

Max Revenue beat(4)-1.64%

Revenue beat(8)1

Avg Revenue beat(8)-3.87%

Revenue beat(12)4

Avg Revenue beat(12)-2.18%

Revenue beat(16)6

Avg Revenue beat(16)-1.74%

PT rev (1m)5.1%

PT rev (3m)-0.96%

EPS NQ rev (1m)0%

EPS NQ rev (3m)2.64%

EPS NY rev (1m)0%

EPS NY rev (3m)0.4%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.69%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.13%

Valuation

		Industry Rank	Sector Rank
PE	9.61
Fwd PE	10.11
P/S	3.13
P/FCF	8.68
P/OCF	8.16
P/B	1.29
P/tB	1.57
EV/EBITDA	N/A

EPS(TTM)2.29

EY10.41%

EPS(NY)2.18

Fwd EY9.89%

FCF(TTM)2.53

FCFY11.52%

OCF(TTM)2.7

OCFY12.25%

SpS7.02

BVpS17.04

TBVpS14

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.4%
ROE	13.01%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.55%
GM	N/A
FCFM	36.07%

ROA(3y)1.31%

ROA(5y)1.4%

ROE(3y)14.06%

ROE(5y)14.48%

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 3Y6.19%

PM growth 5Y-6.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.23
Debt/FCF	1.52
Debt/EBITDA	N/A
Cap/Depr	88.1%
Cap/Sales	2.31%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	114.31%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC9.75%

ROIC/WACCN/A

Cap/Depr(3y)35.36%

Cap/Depr(5y)40.36%

Cap/Sales(3y)0.87%

Cap/Sales(5y)1.02%

Profit Quality(3y)98.94%

Profit Quality(5y)101.35%

High Growth Momentum

Growth

EPS 1Y (TTM)-4.18%

EPS 3Y20.8%

EPS 5Y-10.15%

EPS Q2Q%-8.06%

EPS Next Y-2.14%

EPS Next 2Y-4.4%

EPS Next 3Y-3.3%

EPS Next 5YN/A

Revenue 1Y (TTM)0.35%

Revenue growth 3Y14.3%

Revenue growth 5Y7.34%

Sales Q2Q%-2.3%

Revenue Next Year-2.36%

Revenue Next 2Y-1.17%

Revenue Next 3Y-0.26%

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 1Y23.98%

FCF growth 3Y28.71%

FCF growth 5Y-4.36%

OCF growth 1Y30.01%

OCF growth 3Y28.18%

OCF growth 5Y-3.82%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens