No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| TFSLTFS Financial Corporation | 3.97B | 14.13 | 44.16 | 4.37% | 11.49% | 4.41% | 1.15% | 2.57 |
| ASBAssociated Banc-Corp | 4.43B | 26.70 | 37.08 | 4.42% | 5.85% | 3.62% | 12.08% | 0.69 |
| ASBAAssociated Banc-Corp | 4.11B | 24.78 | 30.98 | -6.56% | 12.92% | 3.77% | 13.02% | 0.17 |
| BANFBancFirst Corporation | 3.81B | 114.30 | 17.75 | 12.28% | 23.81% | 13.33% | 5.89% | 0.05 |
| SYBTStock Yards Bancorp, Inc. | 2.03B | 68.83 | 17.69 | 15.84% | 22.86% | 12.99% | 6.56% | 0.53 |
| PRKPark National Corporation | 2.63B | 163.76 | 17.57 | 14.4% | 23.46% | 13.22% | 6.44% | 0.24 |
| NICNicolet Bankshares, Inc. | 1.97B | 133.08 | 16.53 | 24.6% | 23.88% | 11.4% | 5.95% | 0.14 |
| LKFNLakeland Financial Corporation | 1.52B | 59.47 | 16.38 | 9.38% | 21.74% | 13.06% | 6.18% |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 121M | 129.44M | 133.8M | 117.61M | 122.4M | 145.87M | 191.07M | 188.85M |
| NII Growth % | - | 0.07% | 0.03% | -0.12% | 0.04% | 0.19% | 0.31% | -0.01% |
| Net Interest Margin % | - | - | - | - | - | - | - | - |
| Interest Income | 127.59M | 137.43M | 143.74M | 124.06M | 128.22M | 153.05M | 229M | 251.7M |
| Interest Expense | 6.59M | 7.99M | 9.94M | 6.46M | 5.82M | 7.18M | 37.93M | 62.85M |
| Loan Loss Provision | 3.14M | 5.7M | 3.4M | 10.53M | -8.08M | -706K | 7.57M | 3.03M |
| Non-Interest Income | 30.19M | 28.53M | 30.12M | 32.7M | 36.01M | 33.67M | 34.64M | 33.52M |
| Non-Interest Income % | - | - | - | - | - | - | - | - |
| Total Revenue | 157.78M | 165.96M | 173.85M | 156.77M | 164.23M | 186.72M | 263.64M | 285.21M |
| Revenue Growth % | - | 0.05% | 0.05% | -0.1% | 0.05% | 0.14% | 0.41% | 0.08% |
| Non-Interest Expense | 91.08M | 87.61M | 88.39M | 90.2M | 89.93M | 104.06M | 129.56M | 121.95M |
| Efficiency Ratio | - | - | - | - | - | - | - | - |
| Operating Income | 56.97M | 64.67M | 72.12M | 49.57M | 76.56M | 76.19M | 88.58M | 97.38M |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.14% | 0.12% | -0.31% | 0.54% | -0% | 0.16% | 0.1% |
| Pretax Income | 56.97M | 64.67M | 72.12M | 49.57M | 76.56M | 76.19M | 88.58M | 97.38M |
| Pretax Margin % | - | - | - | - | - | - | - | - |
| Income Tax | 870K | 869K | 5.26M | 12.73M | 20.29M | 19.73M | 22.74M | 25.6M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - |
| Net Income | 56.1M | 63.8M | 66.86M | 36.84M | 56.27M | 56.46M | 65.84M | 71.78M |
| Net Margin % | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.14% | 0.05% | -0.45% | 0.53% | 0% | 0.17% | 0.09% |
| Net Income (Continuing) | 56.1M | 63.8M | 66.86M | 36.84M | 56.27M | 56.46M | 65.84M | 71.78M |
| EPS (Diluted) | 2.13 | 2.42 | 3.33 | 1.34 | 2.02 | 2.09 | 2.07 | 2.26 |
| EPS Growth % | - | 0.14% | 0.38% | -0.6% | 0.51% | 0.03% | -0.01% | 0.09% |
| EPS (Basic) | 2.13 | 2.42 | 3.33 | 1.34 | 2.02 | 2.09 | 2.08 | 2.27 |
| Diluted Shares Outstanding | 26.33M | 26.33M | 20.09M | 27.46M | 27.8M | 28.92M | 31.74M | 31.71M |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 166.43M | 187.13M | 284.22M | 312.45M | 409.76M | 114.16M | 141.76M | 137.69M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 3.01B | 2.93B | 2.83B | 3.23B | 3.77B | 3.99B | 4.66B | 4.63B |
| Investments Growth % | - | -0.02% | -0.03% | 0.14% | 0.17% | 0.06% | 0.17% | -0.01% |
| Long-Term Investments | 2.24B | 2.25B | 2.24B | 2.3B | 2.82B | 3.14B | 3.9B | 4.58B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - |
| Goodwill | 23.62M | 23.62M | 23.62M | 23.62M | 29.32M | 29.32M | 59.82M | 59.82M |
| Intangible Assets | 17.3M | 16.37M | 12.55M | 8.73M | 9.94M | 11.22M | 39.68M | 36.67M |
| PP&E (Net) | 56.31M | 54.74M | 53.99M | 52.9M | 52.48M | 50.47M | 65.15M | 66.76M |
| Other Assets | 27.84M | 19.45M | 24.16M | 27.33M | 30.82M | 75M | 87.16M | 75.72M |
| Total Current Assets | 950.75M | 881.95M | 890.57M | 1.25B | 1.37B | 977.19M | 925.76M | 214.75M |
| Total Non-Current Assets | 2.36B | 2.37B | 2.35B | 2.42B | 2.95B | 3.31B | 4.15B | 4.82B |
| Total Assets | 3.31B | 3.25B | 3.25B | 3.67B | 4.31B | 4.29B | 5.07B | 5.03B |
| Asset Growth % | - | -0.02% | -0% | 0.13% | 0.18% | -0.01% | 0.18% | -0.01% |
| Return on Assets (ROA) | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 104.29M | 83.71M | 82.02M | 122.62M | 138.29M | 280.26M | 147.33M | 134.6M |
| Net Debt | -62.14M | -103.42M | -202.2M | -189.83M | -271.47M | 166.1M | 5.57M | -3.09M |
| Long-Term Debt | 66.45M | 37.52M | 37.58M | 76.89M | 77.03M | 237.18M | 104.89M | 105.63M |
| Short-Term Debt | 37.84M | 46.2M | 44.43M | 45.74M | 61.26M | 43.08M | 42.44M | 28.97M |
| Other Liabilities | 28.98M | 29.49M | 53.31M | 49.49M | 25.9M | 45.82M | 34.91M | 35.44M |
| Total Current Liabilities | 2.89B | 2.84B | 2.82B | 3.18B | 3.8B | 3.63B | 4.44B | 4.35B |
| Total Non-Current Liabilities | 95.44M | 67.01M | 90.9M | 126.38M | 102.93M | 283M | 139.79M | 141.07M |
| Total Liabilities | 2.99B | 2.91B | 2.91B | 3.3B | 3.9B | 3.91B | 4.58B | 4.49B |
| Total Equity | 323.92M | 340.4M | 332.92M | 363.92M | 411.88M | 373.63M | 489.5M | 544.61M |
| Equity Growth % | - | 0.05% | -0.02% | 0.09% | 0.13% | -0.09% | 0.31% | 0.11% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.17% | 0.19% | 0.2% | 0.11% | 0.15% | 0.14% | 0.15% | 0.14% |
| Book Value per Share | 12.30 | 12.93 | 16.57 | 13.25 | 14.82 | 12.92 | 15.42 | 17.17 |
| Tangible BV per Share | - | - | - | - | - | - | - | - |
| Common Stock | 181K | 181K | 275K | 275K | 293K | 293K | 327K | 328K |
| Additional Paid-in Capital | 32.29M | 32.29M | 190.52M | 190.88M | 220.89M | 222.78M | 295.88M | 0 |
| Retained Earnings | 293.93M | 315.23M | 134.29M | 154.61M | 194.13M | 232M | 269.05M | 316.76M |
| Accumulated OCI | -375K | -4.29M | 7.83M | 18.15M | 1.47M | -71.76M | -57.16M | 250.53M |
| Treasury Stock | -2.11M | -3.02M | 0 | 0 | -4.91M | -9.69M | -18.6M | -23.02M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 72.08M | 79.99M | 89.09M | 31.25M | 43.1M | 72.59M | 65.83M | 89.37M |
| Operating CF Growth % | - | 0.11% | 0.11% | -0.65% | 0.38% | 0.68% | -0.09% | 0.36% |
| Net Income | 56.1M | 63.8M | 66.86M | 36.84M | 56.27M | 56.46M | 65.84M | 71.78M |
| Depreciation & Amortization | 5.21M | 4.78M | 4.13M | 4.17M | 4.13M | 3.92M | 5.78M | 5.78M |
| Deferred Taxes | 0 | 0 | -2.69M | -339K | 2.91M | -2.92M | 3.82M | 996K |
| Other Non-Cash Items | 9.38M | 11.1M | -22K | 355K | -3.45M | 5.8M | 7.1M | 4.77M |
| Working Capital Changes | 1.39M | 313K | 20.73M | -10.13M | -17.6M | 7.39M | -18.66M | 4.29M |
| Cash from Investing | -90.31M | 65.09M | 115.34M | -380.45M | -349.61M | -335.12M | 132.66M | 32.35M |
| Purchase of Investments | -355.55M | -189.41M | -73.12M | -523.56M | -513.84M | -371.68M | -3.04M | -105.34M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 114K | 0 | -4.77M | 0 | -14.45M | 0 |
| Other Investing | -8.21M | -19.61M | -11.02M | -78.03M | -43.47M | -116.56M | -134.62M | -52.38M |
| Cash from Financing | -54.83M | -123.89M | -107.34M | 377.68M | 403.33M | -32.57M | -171.4M | -125.28M |
| Dividends Paid | -57.07M | -42.62M | -224.96M | -16.52M | -16.75M | -18.58M | -21.87M | -24.18M |
| Share Repurchases | 0 | -907K | 0 | 0 | -4.91M | -4.78M | -8.91M | -4.42M |
| Stock Issued | 0 | 0 | 138.49M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 207K |
| Other Financing | -22.76M | -51.36M | -19.11M | 354.98M | 437.5M | -169.21M | 93.58M | -96.88M |
| Net Change in Cash | -73.06M | 21.2M | 97.09M | 28.48M | 96.82M | -295.11M | 27.09M | -3.56M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 238.74M | 165.68M | 186.88M | 283.97M | 312.45M | 409.27M | 114.16M | 141.25M |
| Cash at End | 165.68M | 186.88M | 283.97M | 312.45M | 409.27M | 114.16M | 141.25M | 137.69M |
| Interest Paid | 6.65M | 7.83M | 10.01M | 6.44M | 5.93M | 6.86M | 32.85M | 64.72M |
| Income Taxes Paid | 892K | 851K | 880K | 17.45M | 20.86M | 20.04M | 20.51M | 23.88M |
| Free Cash Flow | 69.92M | 78.34M | 86.94M | 29.39M | 42.07M | 71.54M | 62.7M | 83.87M |
| FCF Growth % | - | 0.12% | 0.11% | -0.66% | 0.43% | 0.7% | -0.12% | 0.34% |
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 17.32% | 19.21% | 19.86% | 10.57% | 14.51% | 14.37% | 15.26% | 13.88% |
| Return on Assets (ROA) | 1.69% | 1.94% | 2.06% | 1.07% | 1.41% | 1.31% | 1.41% | 1.42% |
| Net Interest Margin | 3.65% | 3.98% | 4.12% | 3.21% | 2.84% | 3.4% | 3.77% | 3.75% |
| Efficiency Ratio | 57.72% | 52.79% | 50.84% | 57.54% | 54.76% | 55.73% | 49.14% | 42.76% |
| Equity / Assets | 9.78% | 10.48% | 10.26% | 9.93% | 9.55% | 8.72% | 9.65% | 10.82% |
| Book Value / Share | 12.3 | 12.93 | 16.57 | 13.25 | 14.82 | 12.92 | 15.42 | 17.17 |
| NII Growth | - | 6.98% | 3.37% | -12.1% | 4.08% | 19.18% | 30.98% | -1.16% |
| Dividend Payout | 101.72% | 66.81% | 336.43% | 44.83% | 29.77% | 32.92% | 33.22% | 33.69% |
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|
| Card income | - | - | 9.73M | 10.33M | 11.04M | 11.05M |
| Card income Growth | - | - | - | 6.11% | 6.91% | 0.07% |
| Wealth management fees | - | - | 8.38M | 9.15M | 9.88M | 10.98M |
| Wealth management fees Growth | - | - | - | 9.20% | 7.95% | 11.08% |
| Service charges on deposit accounts | - | - | 6.08M | 7.07M | 7.85M | 7.93M |
| Service charges on deposit accounts Growth | - | - | - | 16.32% | 10.94% | 1.10% |
| Card Income | 7.76M | 8.09M | - | - | - | - |
| Card Income Growth | - | 4.15% | - | - | - | - |
| Wealth Management Fees | 7.13M | 7.24M | - | - | - | - |
| Wealth Management Fees Growth | - | 1.54% | - | - | - | - |
| Service Charges On Deposit Accounts | 7.87M | 5.99M | - | - | - | - |
| Service Charges On Deposit Accounts Growth | - | -23.93% | - | - | - | - |
| Title Insurance Activity | 167K | - | - | - | - | - |
| Title Insurance Activity Growth | - | - | - | - | - | - |
HBT Financial, Inc. (HBT) has a price-to-earnings (P/E) ratio of 12.1x. This may indicate the stock is undervalued or faces growth challenges.
HBT Financial, Inc. (HBT) grew revenue by 8.2% over the past year. This is steady growth.
Yes, HBT Financial, Inc. (HBT) is profitable, generating $78.3M in net income for fiscal year 2024 (25.2% net margin).
Yes, HBT Financial, Inc. (HBT) pays a dividend with a yield of 2.80%. This makes it attractive for income-focused investors.
HBT Financial, Inc. (HBT) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.
HBT Financial, Inc. (HBT) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
HBT Financial, Inc. (HBT) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.