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HBT Financial (HBT)
NASDAQ:HBT
US Market
HBT
HBT Financial
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HBT Financial (HBT) Ratios

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HBT Financial Ratios

HBT's free cash flow for Q4 2025 was $0.81. For the 2025 fiscal year, HBT's free cash flow was decreased by $ and operating cash flow was $0.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 217.73 0.28 0.05 0.21 0.27
Quick Ratio
 217.73 0.28 0.05 0.21 0.27
Cash Ratio
 7.41 <0.01 0.03 0.03 0.03
Solvency Ratio
 0.01 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 40.24 0.03 0.02 0.01 0.02
Short-Term Operating Cash Flow Coverage
 40.24 0.00 3.09 1.55 1.68
Net Current Asset Value
$ -4.93B$ -3.59B$ -4.27B$ -3.66B$ -2.94B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.01 0.03 0.03 0.07
Debt-to-Equity Ratio
 0.21 0.11 0.25 0.30 0.75
Debt-to-Capital Ratio
 0.17 0.10 0.20 0.23 0.43
Long-Term Debt-to-Capital Ratio
 0.17 0.10 0.16 0.18 0.39
Financial Leverage Ratio
 9.06 8.24 9.24 10.36 11.47
Debt Service Coverage Ratio
 1.16 1.44 0.84 0.89 1.20
Interest Coverage Ratio
 1.62 1.84 1.55 2.34 10.61
Debt to Market Cap
 0.18 0.08 0.19 0.22 0.50
Interest Debt Per Share
 6.40 3.88 6.25 5.86 9.96
Net Debt to EBITDA
 1.20 0.37 -0.03 0.06 2.07
Profitability Margins
Gross Profit Margin
80.63%80.03%76.90%82.74%96.53%
EBIT Margin
30.94%35.63%34.14%33.60%40.80%
EBITDA Margin
32.13%37.36%36.17%35.79%42.90%
Operating Profit Margin
30.94%35.63%34.14%33.60%40.80%
Pretax Profit Margin
30.94%35.63%34.14%33.60%40.80%
Net Profit Margin
22.74%26.25%25.17%24.97%30.24%
Continuous Operations Profit Margin
22.74%26.25%25.17%24.97%30.24%
Net Income Per EBT
73.50%73.69%73.71%74.33%74.10%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.02%1.52%1.43%1.30%1.32%
Return on Equity (ROE)
10.87%12.51%13.18%13.45%15.11%
Return on Capital Employed (ROCE)
1.39%5.13%14.20%14.08%11.60%
Return on Invested Capital (ROIC)
5.24%-3.81%10.04%9.80%8.07%
Return on Tangible Assets
1.04%1.54%1.45%1.32%1.33%
Earnings Yield
7.45%9.48%10.38%9.86%10.00%
Efficiency Ratios
Receivables Turnover
 8.61 12.34 11.51 10.75 9.57
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.34 3.98 4.27 4.05 3.70
Asset Turnover
 0.04 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.56 -0.09 -0.07 -0.09 -0.07
Cash Conversion Cycle
 42.40 29.59 31.70 33.97 38.13
Days of Sales Outstanding
 42.40 29.59 31.70 33.97 38.13
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 42.40 29.59 31.70 33.97 38.13
Cash Flow Ratios
Operating Cash Flow Per Share
 6.12 2.65 2.83 2.08 2.52
Free Cash Flow Per Share
 5.81 2.32 2.65 1.98 2.48
CapEx Per Share
 0.31 0.33 0.17 0.10 0.04
Free Cash Flow to Operating Cash Flow
 0.95 0.88 0.94 0.95 0.99
Dividend Paid and CapEx Coverage Ratio
 5.50 2.26 3.01 2.63 3.70
Capital Expenditure Coverage Ratio
 19.69 8.13 16.23 21.00 69.33
Operating Cash Flow Coverage Ratio
 1.32 1.28 0.66 0.45 0.26
Operating Cash Flow to Sales Ratio
 0.67 0.28 0.31 0.25 0.39
Free Cash Flow Yield
21.92%8.99%12.12%9.39%12.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.46 10.55 9.64 10.14 10.00
Price-to-Sales (P/S) Ratio
 2.90 2.77 2.43 2.53 3.02
Price-to-Book (P/B) Ratio
 1.25 1.32 1.27 1.36 1.51
Price-to-Free Cash Flow (P/FCF) Ratio
 4.57 11.13 8.25 10.65 7.89
Price-to-Operating Cash Flow Ratio
 4.58 9.76 7.74 10.14 7.78
Price-to-Earnings Growth (PEG) Ratio
 -1.53 1.41 1.06 -21.19 2.89
Price-to-Fair Value
 1.25 1.32 1.27 1.36 1.51
Enterprise Value Multiple
 10.22 7.79 6.68 7.13 9.12
Enterprise Value
 996.40M 853.37M 688.73M 673.19M 730.77M
EV to EBITDA
 10.20 7.79 6.68 7.13 9.12
EV to Sales
 3.28 2.91 2.41 2.55 3.91
EV to Free Cash Flow
 5.17 11.69 8.21 10.74 10.21
EV to Operating Cash Flow
 4.91 10.25 7.71 10.23 10.07
Tangible Book Value Per Share
 18.67 17.20 14.19 12.33 11.54
Shareholders’ Equity Per Share
 22.53 19.58 17.24 15.48 12.95
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.26 0.26 0.26
Revenue Per Share
 9.16 9.33 9.03 8.34 6.47
Net Income Per Share
 2.08 2.45 2.27 2.08 1.96
Tax Burden
 0.74 0.74 0.74 0.74 0.74
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.24 0.32 0.29 0.30 0.33
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 0.01
Income Quality
 2.64 1.08 1.25 1.00 1.29
Currency in USD