ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is HBT Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 8.99%
2
Positive results in Mar 26
- NII(Q) Highest at USD 56.39 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) Highest at USD 71.84 MM
3
With ROA of 0.88%, it has a expensive valuation with a 1.65 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.00%, its profits have risen by 7.7% ; the PEG ratio of the company is 1.6
4
High Institutional Holdings at 22.25%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to HBT Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HBT Financial, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
HBT Financial, Inc.
24.0%
2.10
27.53%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.57%
EBIT Growth (5y)
11.35%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
34.48%
Pledged Shares
0
Institutional Holding
22.25%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.65
EV to EBIT
9.59
EV to EBITDA
9.04
EV to Capital Employed
1.74
EV to Sales
3.71
PEG Ratio
1.62
Dividend Yield
2.67%
ROCE (Latest)
18.13%
ROE (Latest)
12.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 56.39 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 71.84 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 68.39%
CASH AND EQV(HY)
Highest at USD 61.79 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 80.76%
-11What is not working for the Company
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Lowest at USD 15.05 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 20.95 %
PRE-TAX PROFIT(Q)
Lowest at USD 15.05 MM
NET PROFIT(Q)
Lowest at USD 11.2 MM
EPS(Q)
Lowest at USD 0.34
Here's what is working for HBT Financial, Inc.
NII
Highest at USD 56.39 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 71.84 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Cash and Eqv
Highest at USD 61.79 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 80.76%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 68.39%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 1.86 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for HBT Financial, Inc.
Pre-Tax Profit
At USD 15.05 MM has Fallen at -40.99%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 11.2 MM has Fallen at -41.28%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 0.28%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at USD 15.05 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 20.95 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 15.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 11.2 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.34
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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