HBTHBT Financial, Inc.
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
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- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear110% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear37% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $56M | $56M | $66M | $72M | $77M | 7.3% |
| Operating cash flow | $43M | $73M | $66M | $89M | $85M | 4.8% |
| Stock-based comp | $764K | $2M | $2M | $2M | $2M | 11% |
| Buybacks | $5M | $5M | $9M | $4M | $5M | 1.9% |
| Dividends | $17M | $19M | $22M | $24M | $27M | 10% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $1M | $1M | 159 | 109 |
| FY2024 | $1M | $1M | 130 | 104 |
| FY2023 | — | — | 121 | 91 |
| FY2022 | $1M | $1M | 108 | 92 |