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STOCKS

HBT Financial (HBT)

NASDAQ:HBT

HBT

HBT Financial

RESEARCH TOOLSreports

HBT Financial (HBT) Ratios

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57 Followers

HBT Financial Ratios

HBT's free cash flow for Q3 2025 was $0.80. For the 2025 fiscal year, HBT's free cash flow was decreased by $ and operating cash flow was $0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.28	0.05	0.21	0.36	0.48
Quick Ratio	0.28	0.05	0.21	0.41	0.63
Cash Ratio	<0.01	0.03	0.03	0.04	0.14
Solvency Ratio	0.02	0.02	0.02	0.02	0.78
Operating Cash Flow Ratio	0.03	0.02	0.01	0.03	0.02
Short-Term Operating Cash Flow Coverage	0.00	3.09	1.55	0.00	0.00
Net Current Asset Value	$ -3.59B	$ -4.27B	$ -3.66B	$ -2.94B	$ -2.54B
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.03	0.03	0.06	0.02
Debt-to-Equity Ratio	0.11	0.25	0.30	0.63	0.19
Debt-to-Capital Ratio	0.10	0.20	0.23	0.39	0.16
Long-Term Debt-to-Capital Ratio	0.10	0.16	0.18	0.39	0.16
Financial Leverage Ratio	8.24	9.24	10.36	11.33	10.47
Debt Service Coverage Ratio	1.44	0.84	0.89	8.19	10.38
Interest Coverage Ratio	1.84	1.55	2.34	12.04	13.15
Debt to Market Cap	0.07	0.19	0.22	0.42	0.15
Interest Debt Per Share	3.88	6.25	5.86	8.47	2.98
Net Debt to EBITDA	0.37	-0.03	0.06	2.07	-3.36
Profitability Margins
Gross Profit Margin	80.03%	76.90%	82.74%	100.00%	100.00%
EBIT Margin	35.63%	34.14%	33.60%	42.44%	48.33%
EBITDA Margin	37.36%	36.17%	35.79%	44.62%	50.94%
Operating Profit Margin	35.63%	34.14%	33.60%	48.13%	48.33%
Pretax Profit Margin	35.63%	34.14%	33.60%	45.55%	48.33%
Net Profit Margin	26.25%	25.17%	24.97%	31.44%	35.52%
Continuous Operations Profit Margin	26.25%	25.17%	24.97%	31.44%	35.52%
Net Income Per EBT	73.69%	73.71%	74.33%	69.03%	73.50%
EBT Per EBIT	100.00%	100.00%	100.00%	94.65%	100.00%
Return on Assets (ROA)	1.52%	1.43%	1.30%	1.32%	1.30%
Return on Equity (ROE)	13.05%	13.18%	13.45%	15.11%	13.66%
Return on Capital Employed (ROCE)	5.13%	14.20%	14.08%	11.60%	14.87%
Return on Invested Capital (ROIC)	-3.81%	10.04%	9.80%	8.07%	9.77%
Return on Tangible Assets	1.54%	1.45%	1.32%	1.33%	1.32%
Earnings Yield	8.66%	10.38%	9.86%	10.00%	10.81%
Efficiency Ratios
Receivables Turnover	12.34	11.51	10.75	9.20	10.63
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	3.98	4.27	4.05	3.56	3.02
Asset Turnover	0.06	0.06	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.10	-0.07	-0.09	-0.11	-0.12
Cash Conversion Cycle	29.59	31.70	33.97	38.13	33.12
Days of Sales Outstanding	29.59	31.70	33.97	38.13	33.12
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	29.59	31.70	33.97	38.13	33.12
Cash Flow Ratios
Operating Cash Flow Per Share	2.50	2.83	2.08	2.52	1.55
Free Cash Flow Per Share	2.27	2.65	1.98	2.48	1.51
CapEx Per Share	0.23	0.17	0.10	0.04	0.04
Free Cash Flow to Operating Cash Flow	0.91	0.94	0.95	0.99	0.98
Dividend Paid and CapEx Coverage Ratio	2.36	3.01	2.63	3.70	2.42
Capital Expenditure Coverage Ratio	10.85	16.23	21.00	69.33	41.93
Operating Cash Flow Coverage Ratio	1.20	0.66	0.45	0.31	0.56
Operating Cash Flow to Sales Ratio	0.27	0.31	0.25	0.40	0.27
Free Cash Flow Yield	8.01%	12.12%	9.39%	12.67%	8.08%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.55	9.64	10.14	10.00	9.25
Price-to-Sales (P/S) Ratio	3.03	2.43	2.53	3.15	3.29
Price-to-Book (P/B) Ratio	1.44	1.27	1.36	1.50	1.26
Price-to-Free Cash Flow (P/FCF) Ratio	12.49	8.25	10.65	7.89	12.37
Price-to-Operating Cash Flow Ratio	11.34	7.74	10.14	7.78	12.08
Price-to-Earnings Growth (PEG) Ratio	-7.16	1.06	-21.19	-2.89	0.18
Price-to-Fair Value	1.44	1.27	1.36	1.50	1.26
Enterprise Value Multiple	8.49	6.68	7.13	8.58	2.33
Enterprise Value	930.00M	688.73M	673.19M	730.77M	249.15M
EV to EBITDA	8.49	6.68	7.13	9.12	3.09
EV to Sales	3.17	2.41	2.55	3.91	1.52
EV to Free Cash Flow	13.06	8.21	10.74	10.21	5.92
EV to Operating Cash Flow	11.85	7.71	10.23	10.07	5.78
Tangible Book Value Per Share	17.20	14.19	12.33	11.68	151.03
Shareholders’ Equity Per Share	19.58	17.24	15.48	13.09	14.82
Tax and Other Ratios
Effective Tax Rate	0.26	0.26	0.26	0.26	0.27
Revenue Per Share	9.33	9.03	8.34	6.22	5.70
Net Income Per Share	2.45	2.27	2.08	1.96	2.02
Tax Burden	0.74	0.74	0.74	0.74	0.73
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	0.20	0.28	0.30	0.33	0.34
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	<0.01
Income Quality	1.00	1.25	1.00	1.29	0.77

Currency in USD