HBT Financial, Inc. cash flow to debt ratio of 130.46% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

HBT Financial, Inc.'s free cash flow has decreased -10.78% from $83.87M last year to $74.82M, signaling decreasing performance

HBT Financial, Inc.'s debt to equity ratio is 0.21, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

HBT Financial, Inc.'s debt has decreased relative to shareholder equity from 0.25 last year to 0.21 today, signaling strengthened financials

HBT Financial, Inc. has a net debt to EBITDA ratio of 0.37x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

HBT Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

HBT Financial, Inc.'s profit margin has decreased (-9.64%) in the last year from 25.17% to 22.74%, signaling decreasing performance

HBT Financial, Inc.'s short-term liabilities of $3.03G exceed its short-term assets of $861.30M, signaling financial risk

HBT Financial, Inc.'s return on assets of 1.02% is lower than the 5.00% threshold, indicating inefficient asset utilization

HBT Financial, Inc.'s return on equity of 10.87%, is lower than 15.00%, indicating bad performance

HBT Financial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

HBT Financial, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

HBT Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

HBT Financial, Inc. has a free cash flow yield of 7.50%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

HBT Financial, Inc.'s yearly earnings has increased 7.28% since last year from $71.78M to $77.01M, signaling increasing performance

HBT Financial, Inc.'s yearly revenue has increased 2.84% since last year from $285.21M to $293.33M, signaling increasing performance

ROIC 5.24% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

HBT Financial, Inc.'s 3-year revenue CAGR of 16.25% is positive, indicating growing revenue over the past 3 years

HBT Financial, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

HBT Financial, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

HBT Financial, Inc. is undervalued relative to its fair value price of 39.94 based on Discounted Cash Flow model

HBT Financial, Inc. has an earnings yield of 6.56%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

HBT Financial, Inc. is overvalued relative to its fair value price of 23.11 based on EBITDA multiple model

HBT Financial, Inc. has an EV/EBITDA ratio of 11.20x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

HBT Financial, Inc. is undervalued relative to its fair value price of 60.04 based on Earnings Fair Value model

HBT Financial, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

HBT Financial, Inc. has a price-to-book ratio of 1.41x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

HBT Financial, Inc. has a price-to-sales ratio of 3.28x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue