HBT PEER ANALYSIS

Hbt Financial Inc — metric-by-metric comparison with peers and the industry median

HBTHbt Financial Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

HBTIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	HBT	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
P/E	15.44	20.06	13.38	116.44	9.16	2.96●	12.88
P/B	1.43	3.18	1.41	0.68●	1.41	0.71	1.29
EV/EBITDA	1.59	1.78	14.82	306.37	-8.43●	2.21	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HBT	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Current Ratio	217.73●	—	0.12	0.01	0.25	—	0.31
Debt/Equity	20.6%	0.0%●	209.8%	744.5%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	-9.13	-13.41	5.39	280.57	-14.68●	-0.47	-0.58

Profitability
Metric	HBT	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Net Margin	22.7%	14.2%	25.9%	1.4%	20.1%	54.9%●	20.6%
ROE	10.5%	17.5%	10.6%	1.0%	14.9%	27.4%●	10.9%
ROA	1.2%	1.2%	0.5%	0.1%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	HBT	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-8.6%	8.1%	16.2%●	-80.9%	16.0%	-1.3%	19.4%
Div. Yield	2.6%	—	3.2%	4.7%	4.8%●	—	2.5%
Payout	39.4%	—	—	335.1%	—	—	31.4%

Valuation
Metric	HBT	CFFN	BHRB	MCB	MCBS	OCFC	Ind. Median
P/E	15.44	13.78	9.04●	12.30	14.10	15.53	12.88
P/B	1.43	1.04	1.23	1.12	1.90	0.65●	1.29
EV/EBITDA	1.59●	16.31	9.57	9.67	11.31	12.01	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HBT	CFFN	BHRB	MCB	MCBS	OCFC	Ind. Median
Current Ratio	217.73●	0.09	0.20	—	134.88	2.77	0.31
Debt/Equity	20.6%	166.4%	71.0%	3.9%●	79.3%	90.0%	38.0%
NetDebt/EBITDA	-9.13●	5.67	3.25	0.22	0.40	1.75	-0.58

Profitability
Metric	HBT	CFFN	BHRB	MCB	MCBS	OCFC	Ind. Median
Net Margin	22.7%	17.9%	24.2%	15.9%	29.7%●	10.6%	20.6%
ROE	10.5%	7.5%	14.5%	10.2%	15.2%●	4.1%	10.9%
ROA	1.2%	0.8%	1.5%	1.0%	1.8%●	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	HBT	CFFN	BHRB	MCB	MCBS	OCFC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-8.6%	47.8%	103.6%●	28.9%	12.9%	-24.7%	19.4%
Div. Yield	2.6%	3.9%	3.0%	0.5%	2.7%	4.1%●	2.5%
Payout	39.4%	63.2%	28.9%	6.0%	35.1%	67.2%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.