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HBT FINANCIAL INC/DE (HBT) Stock Fundamental Analysis

NASDAQ:HBT - Nasdaq - US4041111067 - Common Stock - Currency: USD

24.98  -0.29 (-1.13%)

After market: 24.98 0 (0%)

Fundamental Rating

3

Taking everything into account, HBT scores 3 out of 10 in our fundamental rating. HBT was compared to 405 industry peers in the Banks industry. There are concerns on the financial health of HBT while its profitability can be described as average. HBT is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

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.
Of the past 5 years HBT 4 years were profitable.
Of the past 5 years HBT 4 years 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 20M 40M 60M 80M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.40%, HBT belongs to the top of the industry, outperforming 87.72% of the companies in the same industry.
HBT has a better Return On Equity (13.01%) than 87.47% of its industry peers.
Industry RankSector 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
HBT Yearly ROA, ROE, ROICHBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

1.3 Margins

HBT has a Profit Margin of 31.55%. This is amongst the best in the industry. HBT outperforms 86.22% of its industry peers.
In the last couple of years the Profit Margin of HBT has declined.
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) 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
HBT Yearly Profit, Operating, Gross MarginsHBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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3

2. Health

2.1 Basic Checks

HBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for HBT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HBT Yearly Shares OutstandingHBT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 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 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of HBT is 1.52, which is an excellent value as it means it would take HBT, only 1.52 years of fcf income to pay off all of its debts.
HBT's Debt to FCF ratio of 1.52 is fine compared to the rest of the industry. HBT outperforms 67.17% of its industry peers.
HBT has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.23, HBT is in line with its industry, outperforming 44.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.52
Altman-Z N/A
ROIC/WACCN/A
WACC9.56%
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 100M 200M 300M 400M

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 100M 200M 300M

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1

3. Growth

3.1 Past

HBT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.26%.
Measured over the past 5 years, HBT shows a small growth in Earnings Per Share. The EPS has been growing by 5.17% on average per year.
EPS 1Y (TTM)-1.26%
EPS 3Y5.17%
EPS 5YN/A
EPS Q2Q%10.34%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.04%

3.2 Future

HBT is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.39% yearly.
The Revenue is expected to grow by 2.63% on average over the next years.
EPS Next Y-0.26%
EPS Next 2Y0.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.35%
Revenue Next 2Y2.63%
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 decreasing.
HBT Yearly Revenue VS EstimatesHBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
HBT Yearly EPS VS EstimatesHBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.63, the valuation of HBT can be described as very reasonable.
75.94% of the companies in the same industry are more expensive than HBT, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.62. HBT is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.66, the valuation of HBT can be described as reasonable.
HBT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HBT is cheaper than 61.65% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. HBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.63
Fwd PE 10.66
HBT Price Earnings VS Forward Price EarningsHBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

70.43% of the companies in the same industry are more expensive than HBT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.86
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.39%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

HBT has a Yearly Dividend Yield of 3.32%.
HBT's Dividend Yield is a higher than the industry average which is at 3.19.
Compared to an average S&P500 Dividend Yield of 2.27, HBT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.32%

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
HBT Yearly Dividends per shareHBT Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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 2Y0.39%
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 50M 100M 150M 200M
HBT Dividend Payout.HBT Dividend Payout, showing the Payout Ratio.HBT Dividend Payout.PayoutRetained Earnings

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HBT FINANCIAL INC/DE

NASDAQ:HBT (2/21/2025, 8:25:11 PM)

After market: 24.98 0 (0%)

24.98

-0.29 (-1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22/bmo
Earnings (Next)04-21 2025-04-21/bmo
Inst Owners25.09%
Inst Owner Change-97.36%
Ins Owners5.23%
Ins Owner Change-0.94%
Market Cap788.37M
Analysts75
Price Target26.52 (6.16%)
Short Float %0.47%
Short Ratio1.5
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend0.72
Dividend Growth(5Y)N/A
DP33.72%
Div Incr Years3
Div Non Decr Years4
Ex-Date02-04 2025-02-04 (0.21)
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)0.97%
PT rev (3m)6.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.63
Fwd PE 10.66
P/S 3.56
P/FCF 9.86
P/OCF 9.27
P/B 1.47
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)2.35
EY9.41%
EPS(NY)2.34
Fwd EY9.38%
FCF(TTM)2.53
FCFY10.14%
OCF(TTM)2.7
OCFY10.79%
SpS7.02
BVpS17.04
TBVpS14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC9.56%
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)-1.26%
EPS 3Y5.17%
EPS 5YN/A
EPS Q2Q%10.34%
EPS Next Y-0.26%
EPS Next 2Y0.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.04%
Revenue Next Year3.35%
Revenue Next 2Y2.63%
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 1Y23.98%
FCF growth 3Y28.71%
FCF growth 5Y-4.36%
OCF growth 1Y30.01%
OCF growth 3Y28.18%
OCF growth 5Y-3.82%