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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Heritage Financial Corp. (Washington)

Coastal Financial Corp. (Washington)

HBT Financial, Inc.

Premier Financial Corp.

Eagle Bancorp, Inc. (Maryland)

Why is HBT Financial, Inc. ?

High Profitability with a Net Interest Margin of 8.99%

Positive results in Dec 25

NII(Q) Highest at USD 50.54 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NET SALES(Q) Highest at USD 64.39 MM

With ROA of 0.88%, it has a very attractive valuation with a 1.34 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 15.77%, its profits have risen by 7.4% ; the PEG ratio of the company is 1.4

High Institutional Holdings at 25.72%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

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.

15.77%

1.35

28.71%

S&P 500

20.78%

1.08

19.33%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.57%

EBIT Growth (5y)

11.48%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

34.43%

Pledged Shares

Institutional Holding

25.72%

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

1.34

EV to EBIT

6.82

EV to EBITDA

6.44

EV to Capital Employed

1.42

EV to Sales

2.63

PEG Ratio

1.35

Dividend Yield

165.51%

ROCE (Latest)

20.78%

ROE (Latest)

13.21%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

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

10What is working for the Company

NII(Q)

Highest at USD 50.54 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 64.39 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 35%

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 59.91 MM

NET PROFIT(Q)

Lowest at USD 18.94 MM

EPS(Q)

Lowest at USD 0.6

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

NII

Highest at USD 50.54 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 64.39 MM and Grown

In each period in the last five periods

MOJO 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 years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 35%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 15.72%

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 (%)

Here's what is not working for HBT Financial, Inc.

Operating Cash Flow

Lowest at USD 59.91 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Profit

Lowest at USD 18.94 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.6

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)