ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is HBT Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 8.99%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- NII(Q) Highest at USD 69.06 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) Highest at USD 88.58 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 35.89%, its profits have risen by 7.7% ; the PEG ratio of the company is 1.6
4
High Institutional Holdings at 25.96%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.71% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 35.89% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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.
35.89%
3.50
25.95%
S&P 500
15.36%
1.17
13.09%
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 Trend16What is working for the Company
NII(Q)
Highest at USD 69.06 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 88.58 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 82.54%
OPERATING PROFIT(Q)
Highest at USD 37.77 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.64 %
PRE-TAX PROFIT(Q)
Highest at USD 37.77 MM
NET PROFIT(Q)
Highest at USD 27.84 MM
EPS(Q)
Highest at USD 0.76
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for HBT Financial, Inc.
NII
Highest at USD 69.06 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 88.58 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)
Net Sales
At USD 88.58 MM has Grown at 38.59%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 37.77 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 42.64 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 37.77 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 27.84 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.76
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 82.54%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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