HBT Financial, Inc. Financial Ratios — HBT Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	38.15	20.93	29.72	25.46	32.22	26.46	26.25	24.48	22.5
Return on Assets (%)	- -	3.39	1.94	2.06	1.07	1.41	1.31	1.41	1.42	1.52
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.66	3.44	3.02	2.52	2.78	2.61	2.18	2.56	2.6	2.51
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.89	37.68	40.94	44	32.98	48.33	42.44	39.24	43.79	44.33
Profit Margin (%)	37.23	37.11	40.39	40.79	24.51	35.52	31.44	29.17	32.28	32.67
Net Income to Common Margin (%)	37.23	37.11	40.39	40.79	24.51	35.52	31.44	29.17	32.28	32.67
Effective Tax Rate (%)	1.75	1.53	1.34	7.29	25.68	26.5	25.9	25.67	26.29	26.31
Dvd Payout Ratio (%)	69.59	101.72	66.81	336.43	44.83	29.77	32.92	33.22	33.69	34.55
Sustainable Growth Rate (%)	- -	-0.66	6.95	-70.27	14.05	22.63	17.75	17.53	16.23	14.72

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	66	38	38	77	77	237	105	106	65
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	66	38	38	77	77	237	105	106	65
Total Debt/EBITDA	- -	12.76	7.85	9.1	18.42	18.66	60.57	18.15	18.27	11
Net Debt/EBITDA	- -	-19.2	-31.31	-59.69	-56.45	-80.6	31.41	-6.38	-5.54	-9.63
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.88	9.71	4.15	4.22	4.51	5.42	5.31	6.3	7.25
Long-Term Debt/Equity (%)	- -	20.51	11.02	11.29	21.13	18.7	63.48	21.43	19.4	10.59
Long-Term Debt/Capital (%)	- -	18.43	10.63	21.83	33.17	28.38	50.52	28.02	24.99	15.07
Long-Term Debt/Total Assets (%)	- -	2.01	1.15	1.16	2.1	1.79	5.53	2.07	2.1	1.29
Total Debt/Equity (%)	- -	20.51	11.02	11.29	21.13	18.7	63.48	21.43	19.4	10.59
Total Debt/Capital (%)	- -	18.43	10.63	21.83	33.17	28.38	50.52	28.02	24.99	15.07
Total Debt/Total Assets (%)	- -	2.01	1.15	1.16	2.1	1.79	5.53	2.07	2.1	1.29
Net Debt to Equity	- -	-30.86	-43.95	-74.08	-64.73	-80.78	32.92	-7.53	-5.89	-9.27
Net Debt/Capital (%)	- -	-51.5	-90.23	220.07	291.99	240.58	34.62	-15.86	-11.25	-18.38
EBITDA	6	5	5	4	4	4	4	6	6	6
EBITDA-CapEx	4	3	3	2	2	3	3	3	- -	-4
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.88	9.71	4.15	4.22	4.51	5.42	5.31	6.3	7.25
Long-Term Debt/Equity (%)	- -	20.51	11.02	11.29	21.13	18.7	63.48	21.43	19.4	10.59
Long-Term Debt/Capital (%)	- -	18.43	10.63	21.83	33.17	28.38	50.52	28.02	24.99	15.07
Long-Term Debt/Total Assets (%)	- -	2.01	1.15	1.16	2.1	1.79	5.53	2.07	2.1	1.29
Total Debt/Equity (%)	- -	20.51	11.02	11.29	21.13	18.7	63.48	21.43	19.4	10.59
Total Debt/Capital (%)	- -	18.43	10.63	21.83	33.17	28.38	50.52	28.02	24.99	15.07
Total Debt/Total Assets (%)	- -	2.01	1.15	1.16	2.1	1.79	5.53	2.07	2.1	1.29
CFO/Total Liabilities	- -	2.41	2.75	3.06	0.95	1.1	1.85	1.44	1.99	1.91
CFO/CapEx	51.98	33.36	48.31	42.28	16.79	41.85	69.33	21	16.23	8.3
Altman's Z-Score	- -	0.17	0.19	0.19	0.18	0.18	0.21	0.21	0.23	0.26

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	20.5	10.51	11.21	10.66	10.87	10.44	10.25	9.02	9.71
Days Sales Outstanding	- -	17.8	34.71	32.57	34.25	33.59	34.97	35.61	40.46	37.58
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	382	416	521	565	668	692	814
- Cash & Cash Equivalents	- -	166	187	284	312	410	114	142	138	122
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	66	38	38	77	77	237	105	106	65
Enterprise Value	- -	-870	-829	-458	-742	-754	-156	-129	-38	235
Total Capital	- -	361	353	172	232	271	469	374	423	433
Total Debt/Capital (%)	- -	18.43	10.63	21.83	33.17	28.38	50.52	28.02	24.99	15.07
Total Debt / EV	- -	-0.08	-0.05	-0.08	-0.1	-0.1	-1.52	-0.81	-2.76	0.28
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	2.7	1
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	104.01	39.73
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	6.73	2.77
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	6.34	2.47
Diluted Market Cap	- -	- -	- -	382	416	521	565	671	695	817
Diluted Enterprise Value	- -	-100	-150	135	180	188	688	635	662	760
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	19.04	7.47
TTM Sales	157	151	158	164	150	158	180	226	222	236
TTM EBITDA	6	5	5	4	4	4	4	6	6	6
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	68	72	80	89	31	43	73	66	89	85
TTM Free Cash Flow to Firm	70	74	82	91	33	44	74	69	95	95

Multiples (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	4.18	12.56	11.82	7.67	9.74	7.32	8.57
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-870	-829	-458	-742	-754	-156	-129	-38	235
Low Price	- -	- -	- -	15.27	9.11	14.18	16.09	16.33	17.75	19.46
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	2.7	1
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	104.01	39.73
Price/Earnings	- -	- -	- -	5.71	11.29	9.25	10	10.14	9.64	10.57
Price/Earnings Average	- -	- -	- -	5.12	10.08	8.42	9.51	9.3	9.17	9.96
Price/Earnings High	- -	- -	- -	5.74	15.43	9.6	11.49	11.28	11.16	11.39
Price/Earnings Low	- -	- -	- -	4.59	6.79	7	8.22	7.84	7.81	7.96
Price/Book Value	- -	- -	- -	2.84	2.69	2.68	2.43	2.48	2.18	2.22
Price/Book Value Average	- -	- -	- -	2.55	2.4	2.44	2.31	2.27	2.07	2.09
Price/Book Value High	- -	- -	- -	2.85	3.67	2.78	2.79	2.76	2.53	2.39
Price/Book Value Low	- -	- -	- -	2.28	1.61	2.03	2	1.92	1.77	1.67
Price/Tangible Book Value	- -	- -	- -	1.29	1.25	1.4	1.7	1.71	1.54	1.56
Price/Tangible Book Value Average	- -	- -	- -	1.15	1.12	1.27	1.61	1.57	1.47	1.46
Price/Tangible Book Value High	- -	- -	- -	1.29	1.72	1.45	1.95	1.9	1.79	1.68
Price/Tangible Book Value Low	- -	- -	- -	1.03	0.75	1.06	1.39	1.32	1.25	1.17
Price/Sales	- -	- -	- -	2.33	2.77	3.29	3.15	2.96	3.11	3.45
Price/Sales Average	- -	- -	- -	2.09	2.47	2.99	2.99	2.71	2.96	3.25
Price/Sales High	- -	- -	- -	2.34	3.78	3.41	3.61	3.29	3.6	3.72
Price/Sales Low	- -	- -	- -	1.87	1.66	2.49	2.59	2.29	2.52	2.6
Price/Cash Flow	- -	- -	- -	4.28	13.31	12.1	7.78	10.14	7.74	9.57
Price/Cash Flow Average	- -	- -	- -	3.84	11.89	11.02	7.4	9.3	7.36	9.01
Price/Cash Flow High	- -	- -	- -	4.3	18.19	12.56	8.94	11.29	8.96	10.31
Price/Cash Flow Low	- -	- -	- -	3.44	8	9.16	6.4	7.85	6.27	7.21
Price/Free Cash Flow Average	- -	- -	- -	3.76	11.22	10.76	7.29	8.93	6.96	8.07
Price/Free Cash Flow High	- -	- -	- -	4.21	17.17	12.27	8.81	10.83	8.47	9.24
Price/Free Cash Flow Low	- -	- -	- -	3.36	7.55	8.95	6.3	7.53	5.93	6.45
EV/Sales Average	- -	- -	- -	0.58	0.9	0.89	3.68	2.55	2.81	3.01
EV/Sales High	- -	- -	- -	0.84	2.22	1.31	4.3	3.13	3.46	3.48
EV/Sales Low	- -	- -	- -	0.37	0.1	0.39	3.27	2.12	2.38	2.36
EV/EBITDA Average	- -	-19.2	-31.31	23.19	32.59	34.22	168.54	99.6	108.22	119.75
EV/EBITDA High	- -	-19.2	-31.31	33.13	79.82	50.3	197.05	122.19	132.93	138.42
EV/EBITDA Low	- -	-19.2	-31.31	14.56	3.49	14.88	149.97	83	91.42	93.82
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	18.99	15.15	18.73	19.57	21.11	21.9	25.85
High Price	- -	- -	- -	19.09	20.71	19.44	22.48	23.49	25.35	27.85
Enterprise Value Average	- -	-100	-150	96	136	141	660	575	626	710
Enterprise Value High	- -	-100	-150	137	333	208	772	706	769	820
Enterprise Value Low	- -	-100	-150	60	15	61	587	480	529	556

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	- -	26	26	27	27	29	29	32	32	31
Diluted Weighted Avg Shares	26	26	26	20	27	28	29	32	32	32
Basic Weighted Avg Shares	26	26	26	20	27	28	29	32	32	32
Revenue per Share	5.97	5.74	6	8.16	5.47	5.7	6.22	7.14	7.04	7.48
EBITDA per Share	0.22	0.2	0.18	0.21	0.15	0.15	0.14	0.18	0.18	0.19
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.22	2.13	2.42	3.33	1.34	2.02	1.96	2.08	2.27	2.44
Basic EPS from Cont Ops	2.22	2.13	2.42	3.33	1.34	2.02	1.96	2.08	2.27	2.44
Diluted EPS, GAAP	2.22	2.13	2.42	3.33	1.34	2.02	1.96	2.07	2.26	2.44
Diluted EPS from Cont Ops	2.22	2.13	2.42	3.33	1.34	2.02	1.96	2.07	2.26	2.44
Dividend per Share	1.55	2.17	1.62	11.2	0.6	0.6	0.64	0.69	0.77	0.84
Cash Flow per Share	2.59	2.74	3.04	4.43	1.14	1.55	2.52	2.08	2.83	2.7
Free Cash Flow per Basic Share	2.54	2.66	2.98	4.33	1.07	1.51	2.48	1.98	2.65	2.38
Cash & Equivalents per Share	- -	35.55	32.92	43.63	44.99	48.64	33.19	28.5	26.46	20.45
Book Value per Share	- -	11.17	11.98	6.7	5.64	6.99	8.05	8.52	10.04	11.67
Tangible Book Value per Share	- -	10.75	11.41	14.77	12.08	13.41	11.54	12.33	14.19	16.62

HBT Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)