HBT Financial vs First Financial
HBT and THFF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HBT and THFF compare
HBT Financial is the larger company, worth 1.5 times as much as First Financial ($1.4B against $917M).
On earnings, First Financial is cheaper: it trades at 10.0× trailing earnings, against 14.5× for HBT Financial.
HBT Financial grew revenue faster over the last twelve months (24.4% versus 12.8% for First Financial).
First Financial keeps more of each dollar of sales as profit, with a net margin of 32.0% compared with 30.5% at HBT Financial.
Both pay dividends: HBT Financial yields 2.6% and First Financial 2.9%.
First Financial scores higher on the StockData Score (15 against 12 for HBT Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HBT | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $1.4B | $917M |
| Share price | $37.24 | $77.11 |
| Change, 1 year | 55.9% | 35.4% |
| Change, 5 years | 100% | 73.2% |
| Beta (5Y) | 0.64 | 0.55 |
| Employees | 826 | 946 |
| StockData Score | ||
| Total score | 12 | 15 (better) |
| Valuation score | 0 | 2 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 5 (better) | 3 |
| Dividend score | 2 | 3 (better) |
| Valuation | ||
| P/E | 14.5× | 10.0× (better) |
| P/S | 4.6× | 3.2× (better) |
| P/B | 1.8× | 1.4× (better) |
| P/FCF | – | 9.0× |
| PEG | 1.87 (better) | 2.13 |
| FCF yield | – | 11.1% |
| Fair value | $28.11 | $74.64 |
| Margin of safety | −32.5% | −3.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 24.4% (better) | 12.8% |
| Revenue growth, 5Y average | 9.3% (better) | 6.8% |
| Net income growth (TTM) | 14.1% | 23.6% (better) |
| EPS growth (TTM) | 3.2% | 23.4% (better) |
| EPS growth, 5Y average | 12.7% (better) | 11.2% |
| Profitability | ||
| Net margin | 30.5% | 32.0% (better) |
| FCF margin | – | 35.8% |
| Return on equity | 13.2% | 14.3% (better) |
| Financial health | ||
| Altman Z-score | 0.27 | 0.33 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.6% | 2.9% (better) |
| Payout ratio | 35.2% | 28.4% |
| Years of dividend growth | 4 (better) | 2 |
| Dividend growth, 5Y average | 7.0% | 14.8% (better) |
| Buyback yield | 1.2% (better) | 0.04% |
| Shareholder yield | 3.8% (better) | 2.9% |
| Ownership | ||
| Held by institutions | 25.7% | 81.6% |
| Held by insiders | 52.8% | 8.6% |
| Insider net buying, 12 months | −$1.0M | −$128K (better) |
| Short interest, % of float | 6.7% | 3.8% |
Go deeper
- HBT stock overview
- HBT income statement
- HBT valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.