HBT Financial
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
11.6311.75
Price/Sales ratio
3.163.15
Earnings per Share (EPS)
$2.16$2.13

Historical Multiples (2016 – 2023)

2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
6.997.296.415.7011.289.2510.0010.139.785.70
Price/Sales ratio
2.602.702.562.322.763.283.142.902.412.32
Price/Book Value ratio
N/A1.261.201.141.141.261.491.361.271.14
Price/Cash Flow ratio
5.995.675.114.2813.3012.077.7710.148.344.28
Price/Free Cash Flow ratio
6.125.855.224.3814.1512.377.8910.649.094.38
Price/Earnings Growth ratio
N/A-1.790.470.15-0.180.18-2.881.520.09-0.18
Dividend Yield
9.95%13.94%10.41%58.96%3.97%3.21%3.29%3.27%3.50%3.97%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100.01%100%
Operating Profit Margin
42.09%42.04%45.56%43.99%32.98%48.33%48.12%38.48%25.61%32.98%
Pretax Profit Margin
37.89%37.68%40.55%43.99%32.98%48.33%45.55%38.48%33.44%32.98%
Net Profit Margin
37.22%37.10%40.00%40.79%24.51%35.52%31.44%28.60%24.68%24.51%
Effective Tax Rate
1.74%1.52%1.34%7.28%25.67%26.50%26.06%25.67%26.18%7.28%
Return on Assets
N/A1.69%1.96%2.06%1.00%1.30%1.31%1.29%1.40%1.40%
Return On Equity
N/A17.32%18.74%20.08%10.12%13.66%14.94%13.45%13.76%13.76%
Return on Capital Employed
N/A4.99%7.55%7.50%3.81%5.21%5.64%1.74%1.45%3.81%
Liquidity Ratios
Current Ratio
N/AN/AN/A0.090.31N/AN/AN/AN/A0.31
Quick Ratio
N/A1.131.020.520.660.630.40N/AN/A0.66
Cash ratio
N/A0.080.080.120.130.140.04N/AN/A0.13
Days of Sales Outstanding
N/A35.6035.0231.0634.6134.3339.6538.9031.1131.06
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/A31.11N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/A31.11N/A
Debt Ratios
Debt Ratio
N/A0.010.010.010.020.010.050.020.020.01
Debt Equity Ratio
N/A0.110.110.110.210.180.620.210.190.11
Long-term Debt to Capitalization
N/A0.100.090.100.170.150.380.170.160.10
Total Debt to Capitalization
N/A0.100.090.100.170.150.380.170.160.10
Interest Coverage Ratio
N/AN/AN/AN/A18.66N/AN/AN/A1.43N/A
Cash Flow to Debt Ratio
N/A1.922.132.370.400.550.300.620.770.77
Company Equity Multiplier
N/A10.229.549.7410.0710.4711.3210.369.2810.07
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.430.470.500.540.200.270.400.280.280.28
Free Cash Flow / Operating Cash Flow Ratio
0.970.970.970.970.940.970.980.950.910.94
Cash Flow Coverage Ratio
N/A1.922.132.370.400.550.300.620.770.77
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
69.59%101.72%66.80%336.43%44.83%29.77%32.91%33.22%33.71%44.83%