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HBT Financial, Inc. HBT

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37.23 USD -0.58 (-1.53%)

Nov 5, 2026, 12:44 PM EST

37.22 Day range 38.79
22.37 52-week range 38.79
YTD
+44.02%
1 year
+54.93%

Financial health

Altman Z-Score

-0.39 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 10.6×
FY 2016: 7.0×FY 2017: 7.3×FY 2018: 6.4×FY 2019: 5.7×FY 2020: 11.3×FY 2021: 9.3×FY 2022: 9.4×FY 2023: 10.1×FY 2024: 9.6×FY 2025: 10.6×
FY 2016 5y median 9.6× FY 2025
P/S 2.8×
FY 2016: 2.5×FY 2017: 2.6×FY 2018: 2.5×FY 2019: 2.2×FY 2020: 2.7×FY 2021: 3.2×FY 2022: 3.0×FY 2023: 2.5×FY 2024: 2.4×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
P/B 1.3×
FY 2016: 0.0×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.5×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/FCF 10.9×
FY 2016: 6.1×FY 2017: 5.9×FY 2018: 5.2×FY 2019: 4.4×FY 2020: 14.2×FY 2021: 12.4×FY 2022: 7.9×FY 2023: 10.6×FY 2024: 8.2×FY 2025: 10.9×
FY 2016 5y median 10.6× FY 2025
EV/EBITDA 7.7×
FY 2016: 0.0×FY 2017: 5.6×FY 2018: 4.4×FY 2019: 2.4×FY 2020: 4.2×FY 2021: 3.1×FY 2022: 9.1×FY 2023: 7.1×FY 2024: 6.7×FY 2025: 7.7×
FY 2016 5y median 7.1× FY 2025
EV/Sales 2.9×
FY 2016: 0.0×FY 2017: 2.2×FY 2018: 1.8×FY 2019: 1.0×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 3.9×FY 2023: 2.6×FY 2024: 2.4×FY 2025: 2.9×
FY 2016 5y median 2.6× FY 2025
FCF Yield 9.2%
FY 2016: 16.3%FY 2017: 17.1%FY 2018: 19.1%FY 2019: 22.8%FY 2020: 7.1%FY 2021: 8.1%FY 2022: 12.7%FY 2023: 9.4%FY 2024: 12.1%FY 2025: 9.2%
FY 2016 5y median 9.4% FY 2025

Profitability

Gross Margin 80.0%
FY 2016: 92.0%FY 2017: 93.8%FY 2018: 91.8%FY 2019: 92.3%FY 2020: 89.2%FY 2021: 101.4%FY 2022: 96.5%FY 2023: 82.7%FY 2024: 76.9%FY 2025: 80.0%
FY 2016 5y median 82.7% FY 2025
Operating Margin 35.6%
FY 2016: 36.4%FY 2017: 36.1%FY 2018: 39.0%FY 2019: 41.5%FY 2020: 31.6%FY 2021: 46.6%FY 2022: 40.8%FY 2023: 33.6%FY 2024: 34.1%FY 2025: 35.6%
FY 2016 5y median 35.6% FY 2025
Net Margin 26.3%
FY 2016: 35.7%FY 2017: 35.6%FY 2018: 38.4%FY 2019: 38.5%FY 2020: 23.5%FY 2021: 34.3%FY 2022: 30.2%FY 2023: 25.0%FY 2024: 25.2%FY 2025: 26.3%
FY 2016 5y median 26.3% FY 2025
ROE 12.5%
FY 2016: 0.0%FY 2017: 17.3%FY 2018: 18.7%FY 2019: 20.1%FY 2020: 10.1%FY 2021: 13.7%FY 2022: 15.1%FY 2023: 13.5%FY 2024: 13.2%FY 2025: 12.5%
FY 2016 5y median 13.5% FY 2025
ROIC -3.8%
FY 2016: 0.0%FY 2017: 12.3%FY 2018: 14.1%FY 2019: 14.3%FY 2020: 6.9%FY 2021: 9.8%FY 2022: 8.1%FY 2023: 9.8%FY 2024: 10.0%FY 2025: -3.8%
FY 2016 5y median 9.8% FY 2025
ROA 1.5%
FY 2016: 0.0%FY 2017: 1.7%FY 2018: 2.0%FY 2019: 2.1%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 1.3%FY 2024: 1.4%FY 2025: 1.5%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 2.8%
FY 2016: 0.0%FY 2017: -3.7%FY 2018: 5.2%FY 2019: 4.8%FY 2020: -9.8%FY 2021: 4.8%FY 2022: 13.7%FY 2023: 41.2%FY 2024: 8.2%FY 2025: 2.8%
FY 2016 FY 2025
Operating Income 7.3%
FY 2016: 0.0%FY 2017: -4.4%FY 2018: 13.5%FY 2019: 11.5%FY 2020: -31.3%FY 2021: 54.4%FY 2022: -0.5%FY 2023: 16.3%FY 2024: 9.9%FY 2025: 7.3%
FY 2016 FY 2025
EPS (diluted) 8.0%
FY 2016: 0.0%FY 2017: -4.1%FY 2018: 13.6%FY 2019: 37.6%FY 2020: -59.8%FY 2021: 50.7%FY 2022: 3.5%FY 2023: -1.0%FY 2024: 9.2%FY 2025: 8.0%
FY 2016 FY 2025
Free Cash Flow -10.8%
FY 2016: 0.0%FY 2017: 4.6%FY 2018: 12.0%FY 2019: 11.0%FY 2020: -66.2%FY 2021: 43.2%FY 2022: 70.0%FY 2023: -12.4%FY 2024: 33.8%FY 2025: -10.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.0×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.0×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.0×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.8×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.4×
FY 2016: 0.0×FY 2017: -1.0×FY 2018: -1.5×FY 2019: -2.7×FY 2020: -3.5×FY 2021: -3.4×FY 2022: 2.1×FY 2023: 0.1×FY 2024: -0.0×FY 2025: 0.4×
FY 2016 5y median 0.1× FY 2025
Interest Coverage 1.8×
FY 2016: 9.0×FY 2017: 8.6×FY 2018: 8.1×FY 2019: 7.3×FY 2020: 7.7×FY 2021: 13.2×FY 2022: 10.6×FY 2023: 2.3×FY 2024: 1.5×FY 2025: 1.8×
FY 2016 5y median 2.3× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 10.0%FY 2017: 13.9%FY 2018: 10.4%FY 2019: 59.0%FY 2020: 4.0%FY 2021: 3.2%FY 2022: 3.3%FY 2023: 3.3%FY 2024: 3.5%FY 2025: 3.3%
FY 2016 5y median 3.3% FY 2025
Payout Ratio 34.6%
FY 2016: 69.6%FY 2017: 101.7%FY 2018: 66.8%FY 2019: 336.4%FY 2020: 44.8%FY 2021: 29.8%FY 2022: 32.9%FY 2023: 33.2%FY 2024: 33.7%FY 2025: 34.6%
FY 2016 5y median 33.2% FY 2025

Annual · latest fiscal year ends 2025-12-31