Profitability
Weight: 25%
C+
59
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.3%
- Operating Margin Trend -2.86 pp/yr
HBT
HBT Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
58
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 12.1%
- 5yr Share-Count CAGR 3.1%
Growth Quality
Weight: 10%
A-
84
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 22.5%
- 5yr EPS CAGR 4.8%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
93
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.08x
Balance Sheet
Weight: 30%
B-
68
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 12.1%
- Interest Coverage (EBIT/Int) 1.84x
Stability
Weight: 10%
B+
75
- EPS Volatility (σ/μ) 0.22
- Piotroski F-Score 6
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Wood new