HBT Financial, Inc. (HBT) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Banc of California, Inc.

Tompkins Financial Corp.

Community Trust Bancorp, Inc. (Kentucky)

ConnectOne Bancorp, Inc.

Coastal Financial Corp. (Washington)

Republic Bancorp, Inc. (Kentucky)

Heritage Financial Corp. (Washington)

HBT Financial, Inc.

First Mid Bancshares, Inc.

Premier Financial Corp.

Eagle Bancorp, Inc. (Maryland)

Why is HBT Financial, Inc. ?

High Profitability with a Net Interest Margin of 7.85%

Positive results in Jun 25

OPERATING CASH FLOW(Y) Highest at USD 86.67 MM
ROCE(HY) Highest at 1.53%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.86%, it has a fair valuation with a 1.32 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 -1.74%, its profits have risen by 5.2% ; the PEG ratio of the company is 1.7

High Institutional Holdings at 25.89%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.62% over the previous quarter.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -1.74% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

HBT Financial, Inc.

3.9%

1.02

28.43%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.76%

EBIT Growth (5y)

10.21%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.58%

Pledged Shares

Institutional Holding

25.89%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.32

EV to EBIT

6.39

EV to EBITDA

6.03

EV to Capital Employed

1.41

EV to Sales

2.44

PEG Ratio

1.74

Dividend Yield

253.39%

ROCE (Latest)

22.06%

ROE (Latest)

13.38%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 86.67 MM

ROCE(HY)

Highest at 1.53%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 49.66 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 34.49%

-2What is not working for the Company

ROCE(HY)

Lowest at 1.53%

Here's what is working for HBT Financial, Inc.

NII

Highest at USD 49.66 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 86.67 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 34.49%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at USD 1.47 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

CASA

Highest at 15.6%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)