HBT Financial (HBT) Fundamental Analysis: Revenue, Earnings & Valuation

4.20 / 10

Netural

Fundamental rating is Neutral (4.2/10). Strengths include Revenue‑MV, Profit‑MV, gross margin and solid liability ratios. Weak points are PB‑ROE and Net‑income‑Revenue, dragging the score. Overall, the fundamentals are modest, offering limited upside without clear improvement.

Analysis Checks(8/10)

Revenue-MV

Value-0.69

Score2/3

Weight13.48%

1M Return6.11%

Gross profit margin (%)

Value48.34

Score3/3

Weight6.87%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight6.87%

1M Return3.48%

Profit-MV

Value1.33

Score3/3

Weight14.31%

1M Return6.52%

Net income-Revenue

Value0.64

Score1/3

Weight9.74%

1M Return4.28%

PB-ROE

Value-0.90

Score1/3

Weight8.08%

1M Return4.23%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight6.87%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.87%

1M Return3.48%

Asset-MV

Value-0.55

Score2/3

Weight15.86%

1M Return7.16%

Cash-MV

Value-0.16

Score2/3

Weight11.04%

1M Return5.35%

Is HBT undervalued or overvalued?

HBT scores 4.20/10 on fundamentals and holds a Fair valuation at present. Backed by its 13.28% ROE, 32.48% net margin, 10.89 P/E ratio, 1.36 P/B ratio, and 7.49% earnings growth, these metrics solidify its Netural investment rating.