$28.36

-0.12 (-0.42%)

Weekly Expected Move ±3.1%

$25 $26 $27 $28 $29

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 66 · $891.4M mcap · 14M float · 0.551% daily turnover · Short 53% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

57.2 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -44.1%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. HBT has a Narrow competitive edge (57.2/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. Negative ROIC of -44.1% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$32

Low

$32

Avg Target

$32

High

Based on 1 analyst since Apr 27, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 2Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$32.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-28	Piper Sandler	Nathan Race	$28	$32	+4	+15.1%	$27.79
2026-01-07	Raymond James	—	$23	$30	+7	+14.6%	$26.18
2025-10-21	Piper Sandler	Nathan Race	$24	$28	+4	+9.8%	$25.05
2025-10-21	D.A. Davidson	Jeff Rulis	$24	$27	+3	+8.9%	$24.79
2024-10-22	Piper Sandler	Nathan Race	$22	$24	+2	+11.7%	$21.48
2024-09-25	D.A. Davidson	Jeff Rulis	$26	$24	-2	+4.4%	$22.98
2024-07-23	D.A. Davidson	Jeff Rulis	Initiated	$26	—	+9.8%	$23.68
2024-05-10	Raymond James	David Tamayo	Initiated	$23	—	+18.4%	$19.42
2024-04-23	Piper Sandler	Nathan Race	Initiated	$22	—	+13.6%	$18.93

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. HBT receives an overall rating of B+. Strongest factors: DCF (5/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-18	B	B+
2026-05-15	B+	B
2026-05-14	B	B+
2026-05-11	B+	B
2026-05-04	B	B+
2026-04-27	A	B
2026-04-24	A-	A
2026-04-21	A	A-
2026-04-01	A-	A
2026-01-30	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 49 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. HBT scores highest in Earnings Quality (90/100) and lowest in Growth (37/100). An overall grade of A places HBT among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.23

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.41

Unlikely Manipulator

Ohlson O-Score

-4.28

Bankruptcy prob: 1.4%

Low Risk

Credit Rating

Score: 88.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.20x

Accruals: -0.3%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. HBT scores 3.23, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. HBT scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. HBT's score of -2.41 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. HBT's implied 1.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. HBT receives an estimated rating of AA (score: 88.1/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). HBT's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

13.61x

PEG

-1.55x

P/S

2.93x

P/B

1.26x

P/FCF

12.41x

P/OCF

10.66x

EV/EBITDA

1.17x

EV/Revenue

0.38x

EV/EBIT

1.21x

EV/FCF

1.60x

Earnings Yield

7.80%

FCF Yield

8.06%

Shareholder Yield

5.35%

Graham Number

$29.49

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 13.6x earnings, HBT trades at a reasonable valuation. An earnings yield of 7.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $29.49 per share, suggesting a potential 4% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.735

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.309

EBIT / Rev

Asset Turnover

0.060

Rev / Assets

Equity Multiplier

8.710

Assets / Equity

ROE

11.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. HBT's ROE of 11.9% is driven by financial leverage (equity multiplier: 8.71x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

7.51%

Fair P/E

23.52x

Intrinsic Value

$49.00

Price/Value

0.55x

Margin of Safety

45.47%

Premium

-45.47%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with HBT's realized 7.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $49.00, HBT appears undervalued with a 45% margin of safety. The adjusted fair P/E of 23.5x compares to the current market P/E of 13.6x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1662 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$28.36

Median 1Y

$30.21

5th Pctile

$17.07

95th Pctile

$53.66

Ann. Volatility

35.4%

Analyst Target

$32.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
J. Lance Carter President, Chief Executive Officer and Director	$570,686	$278,600	$1,294,800
Peter R. Chapman Executive Vice President and Chief Financial Officer	$346,856	$134,400	$703,713
Fred L. Drake Executive Chairman	$350,000	$140,000	$700,961
Lawrence J. Horvath Executive Vice President and Chief Lending Officer	$342,208	$99,850	$613,478
Mark W. Scheirer Executive Vice President and Chief Credit Officer	$277,205	$79,950	$502,781

CEO Pay Ratio

11:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,294,800

Avg Employee Cost (SGA/emp): $113,605

Employees: 826

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

826

-2.1% YoY

Revenue / Employee

$355,117

Rev: $293,327,000

Profit / Employee

$93,230

NI: $77,008,000

SGA / Employee

$113,605

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	15.0%	15.9%	14.5%	14.1%	14.2%	14.7%	14.4%	13.3%	14.4%	15.4%	15.3%	16.7%	16.6%	16.2%	13.9%	14.6%	14.8%	15.2%	13.3%	11.9%	11.92%
ROA	1.5%	1.6%	1.4%	1.4%	1.4%	1.4%	1.3%	1.2%	1.3%	1.4%	1.4%	1.5%	1.5%	1.5%	1.4%	1.5%	1.5%	1.6%	1.5%	1.4%	1.37%
ROIC	-7.0%	-7.4%	-7.0%	-6.8%	-6.9%	-7.1%	-18.6%	-17.1%	-18.6%	-19.9%	-24.9%	-27.2%	-27.0%	-26.5%	14.7%	15.5%	15.7%	16.0%	-49.1%	-44.1%	-44.09%
ROCE	14.4%	15.3%	14.9%	14.4%	14.5%	15.0%	11.6%	10.6%	11.6%	12.4%	14.1%	15.4%	15.4%	15.1%	14.2%	14.9%	15.1%	15.5%	5.1%	4.6%	4.61%
Gross Margin	1.0%	1.0%	98.5%	98.1%	96.5%	95.7%	96.0%	81.1%	88.4%	83.5%	78.0%	76.5%	76.4%	76.5%	78.1%	79.2%	79.8%	79.8%	81.4%	81.5%	81.51%
Operating Margin	46.7%	46.4%	42.9%	42.6%	43.0%	45.3%	33.5%	20.6%	37.8%	39.0%	35.3%	30.6%	34.7%	33.9%	37.1%	35.4%	36.1%	36.2%	34.9%	18.2%	18.19%
Net Margin	34.6%	34.1%	31.3%	31.4%	32.0%	33.3%	25.0%	15.6%	27.8%	28.9%	26.3%	22.7%	25.1%	25.1%	27.5%	26.5%	26.3%	26.7%	25.5%	13.5%	13.54%
EBITDA Margin	49.3%	48.9%	45.3%	44.9%	45.3%	47.4%	35.2%	22.8%	40.1%	41.2%	37.4%	32.7%	36.7%	35.9%	39.1%	37.4%	38.1%	38.2%	35.7%	18.2%	18.19%
FCF Margin	41.0%	38.2%	25.6%	34.3%	28.9%	36.4%	38.4%	35.3%	33.8%	30.1%	23.8%	24.8%	25.8%	28.4%	29.4%	30.2%	27.8%	24.3%	25.5%	23.5%	23.51%
OCF Margin	41.7%	38.9%	26.2%	34.8%	29.5%	36.9%	38.9%	36.0%	34.7%	31.0%	25.0%	26.2%	27.5%	30.2%	31.3%	32.1%	29.8%	26.8%	29.0%	27.4%	27.35%
ROE 3Y Avg	snapshot only																				13.27%
ROE 5Y Avg	snapshot only																				13.40%
ROA 3Y Avg	snapshot only																				1.43%
ROIC Economic	snapshot only																				10.25%
Cash ROA	snapshot only																				1.64%
NOPAT Margin	snapshot only																				22.74%
Pretax Margin	snapshot only																				30.94%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				23.99%
SBC / Revenue	snapshot only																				0.50%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	7.80	6.62	8.39	8.46	8.31	8.20	8.98	10.64	9.58	8.88	9.50	7.91	8.58	9.48	9.30	9.16	10.17	10.04	10.55	12.82	13.611
P/S Ratio	2.51	2.26	2.87	2.77	2.67	2.63	2.71	2.74	2.41	2.18	2.37	2.09	2.21	2.36	2.34	2.39	2.68	2.69	2.77	2.92	2.932
P/B Ratio	1.12	1.01	1.15	1.12	1.11	1.13	1.36	1.48	1.45	1.44	1.28	1.16	1.25	1.36	1.23	1.27	1.43	1.44	1.32	1.44	1.259
P/FCF	6.13	5.92	11.21	8.09	9.25	7.22	7.08	7.75	7.12	7.26	9.97	8.45	8.56	8.30	7.96	7.91	9.65	11.04	10.86	12.41	12.407
P/OCF	6.02	5.81	10.95	7.97	9.07	7.12	6.98	7.60	6.94	7.04	9.50	8.00	8.04	7.80	7.47	7.44	9.00	10.02	9.55	10.66	10.662
EV/EBITDA	-9.42	-9.43	-9.19	-9.61	-9.62	-9.19	-2.13	-1.67	-1.69	-1.62	-1.36	-1.80	-1.37	-0.90	5.94	5.89	6.62	6.53	0.37	1.17	1.170
EV/Revenue	-4.36	-4.61	-4.52	-4.52	-4.43	-4.20	-0.91	-0.61	-0.61	-0.57	-0.49	-0.68	-0.51	-0.32	2.15	2.20	2.49	2.50	0.14	0.38	0.376
EV/EBIT	-9.99	-9.95	-9.69	-10.14	-10.14	-9.67	-2.24	-1.77	-1.80	-1.72	-1.45	-1.91	-1.45	-0.96	6.29	6.22	6.99	6.90	0.39	1.21	1.215
EV/FCF	-10.64	-12.07	-17.63	-13.19	-15.32	-11.56	-2.38	-1.73	-1.80	-1.89	-2.05	-2.75	-1.96	-1.13	7.30	7.28	8.97	10.26	0.54	1.60	1.599
Earnings Yield	12.8%	15.1%	11.9%	11.8%	12.0%	12.2%	11.1%	9.4%	10.4%	11.3%	10.5%	12.6%	11.7%	10.5%	10.7%	10.9%	9.8%	10.0%	9.5%	7.8%	7.80%
FCF Yield	16.3%	16.9%	8.9%	12.4%	10.8%	13.9%	14.1%	12.9%	14.0%	13.8%	10.0%	11.8%	11.7%	12.1%	12.6%	12.6%	10.4%	9.1%	9.2%	8.1%	8.06%
Price/Tangible Book	snapshot only																				1.640
EV/OCF	snapshot only																				1.374
EV/Gross Profit	snapshot only																				0.466
Acquirers Multiple	snapshot only																				1.215
Shareholder Yield	snapshot only																				5.35%
Graham Number	snapshot only																				$29.49

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.39	0.39	0.36	0.36	0.36	0.36	0.27	0.27	0.27	0.27	0.21	0.21	0.21	0.21	0.05	0.05	0.05	0.05	0.28	0.28	0.284
Quick Ratio	0.39	0.39	0.36	0.36	0.36	0.36	0.27	0.27	0.27	0.27	0.21	0.21	0.21	0.21	0.05	0.05	0.05	0.05	0.28	0.28	0.284
Debt/Equity	0.34	0.34	0.34	0.34	0.34	0.34	0.75	0.75	0.75	0.75	0.30	0.30	0.30	0.30	0.25	0.25	0.25	0.25	0.11	0.11	0.106
Net Debt/Equity	-3.06	-3.06	-2.95	-2.95	-2.95	-2.95	-1.81	-1.81	-1.81	-1.81	-1.54	-1.54	-1.54	-1.54	-0.10	-0.10	-0.10	-0.10	-1.25	-1.25	-1.255
Debt/Assets	0.03	0.03	0.03	0.03	0.03	0.03	0.07	0.07	0.07	0.07	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.01	0.01	0.013
Debt/EBITDA	1.64	1.55	1.71	1.77	1.76	1.70	3.50	3.78	3.47	3.24	1.56	1.43	1.43	1.46	1.30	1.24	1.23	1.20	0.60	0.67	0.668
Net Debt/EBITDA	-14.85	-14.05	-15.04	-15.51	-15.43	-14.93	-8.46	-9.14	-8.39	-7.82	-7.99	-7.33	-7.34	-7.50	-0.54	-0.51	-0.51	-0.50	-7.05	-7.91	-7.907
Interest Coverage	12.04	12.71	13.15	12.90	13.12	13.07	10.61	6.53	4.41	3.09	2.34	2.01	1.73	1.53	1.55	1.65	1.72	1.81	1.84	1.62	1.624
Equity Multiplier	10.08	10.08	10.47	10.47	10.47	10.47	11.47	11.47	11.47	11.47	10.36	10.36	10.36	10.36	9.24	9.24	9.24	9.24	8.24	8.24	8.239
Cash Ratio	snapshot only																				0.276
Debt Service Coverage	snapshot only																				1.687
Cash to Debt	snapshot only																				12.843
FCF to Debt	snapshot only																				1.096
Defensive Interval	snapshot only																				2081.1 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.060
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	11.48	11.50	11.27	11.41	11.72	12.19	10.85	11.77	13.06	14.30	11.97	12.35	12.60	12.79	11.57	11.77	11.81	11.88	12.08	12.52	12.523
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	32	32	32	32	31	30	34	31	28	26	30	30	29	29	32	31	31	31	30	29	29.1 days
DIO	0	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	32	—	—	32	31	30	34	31	28	26	30	30	29	29	32	31	31	31	30	29	—
Fixed Asset Turnover	snapshot only																				4.128
Cash Velocity	snapshot only																				0.363
Capital Intensity	snapshot only																				16.683

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	35.2%	1.6%	4.8%	3.9%	5.6%	9.6%	13.7%	21.7%	31.5%	38.5%	41.2%	34.3%	23.5%	14.5%	8.2%	6.7%	5.0%	4.0%	2.8%	4.8%	4.77%
Net Income	75.5%	37.4%	52.8%	19.2%	5.5%	2.9%	0.4%	-4.6%	2.7%	6.4%	16.7%	38.1%	26.6%	15.6%	9.0%	5.2%	7.4%	12.0%	7.3%	-8.6%	-8.55%
EPS	76.0%	37.9%	44.5%	12.7%	-0.2%	-2.4%	1.1%	-10.8%	-7.3%	-3.9%	5.7%	34.8%	28.3%	16.6%	9.9%	5.5%	7.9%	12.7%	7.8%	-12.6%	-12.60%
FCF	2.8%	1.5%	43.2%	1.4%	-25.6%	4.5%	70.2%	25.3%	53.6%	14.5%	-12.5%	-5.8%	-5.6%	8.0%	33.8%	30.1%	12.9%	-10.9%	-10.8%	-18.4%	-18.38%
EBITDA	79.7%	38.9%	50.1%	17.9%	5.0%	2.6%	-0.7%	-5.2%	2.7%	6.5%	17.8%	38.8%	27.2%	16.1%	9.3%	5.1%	6.7%	11.2%	6.2%	-9.7%	-9.70%
Op. Income	82.8%	41.8%	54.4%	19.4%	5.5%	2.9%	-0.5%	-5.7%	1.9%	5.4%	16.3%	38.7%	27.4%	16.4%	9.9%	5.6%	7.1%	11.8%	7.3%	-8.1%	-8.12%
OCF Growth	snapshot only																				-10.63%
Asset Growth	snapshot only																				0.76%
Equity Growth	snapshot only																				13.02%
Debt Growth	snapshot only																				-51.55%
Shares Change	snapshot only																				4.63%
Dividend Growth	snapshot only																				9.80%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	—	—	—	—	—	—	61.7%	35.2%	23.3%	15.5%	18.9%	19.3%	19.7%	20.2%	20.2%	20.4%	19.5%	18.1%	16.2%	14.5%	14.51%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	45.2%	28.8%	19.5%	12.9%	13.3%	13.7%	13.67%
EPS 3Y	—	—	—	—	—	—	47.2%	27.3%	17.6%	8.9%	15.6%	10.6%	5.9%	3.0%	5.5%	8.2%	8.7%	8.1%	7.8%	7.5%	7.51%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	29.9%	24.0%	17.6%	11.2%	12.8%	4.5%	4.53%
Net Income 3Y	—	—	—	—	—	—	52.0%	32.7%	23.9%	14.6%	21.4%	16.2%	11.1%	8.2%	8.5%	11.5%	11.8%	11.3%	10.9%	9.9%	9.92%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	34.9%	27.7%	20.9%	14.3%	15.9%	8.6%	8.59%
EBITDA 3Y	—	—	—	—	—	—	55.0%	34.0%	24.6%	14.9%	20.6%	15.7%	11.1%	8.3%	8.5%	11.4%	11.7%	11.2%	11.0%	9.6%	9.63%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	36.8%	28.6%	21.3%	14.4%	15.3%	8.0%	8.04%
Gross Profit 3Y	—	—	—	—	—	—	62.8%	36.5%	24.0%	14.6%	16.0%	13.5%	11.1%	9.9%	9.6%	10.7%	10.7%	10.3%	9.2%	9.7%	9.71%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	39.3%	25.3%	16.6%	10.3%	10.9%	10.1%	10.09%
Op. Income 3Y	—	—	—	—	—	—	54.8%	34.4%	25.3%	15.4%	21.3%	16.0%	11.1%	8.1%	8.3%	11.3%	11.6%	11.1%	11.1%	10.4%	10.39%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	36.5%	28.9%	21.8%	14.9%	16.1%	8.6%	8.65%
FCF 3Y	—	—	—	—	—	—	31.8%	18.5%	63.6%	44.2%	28.7%	41.5%	2.6%	8.9%	25.9%	15.4%	17.9%	3.3%	1.5%	-0.0%	-0.00%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	21.8%	15.3%	36.1%	23.6%	20.6%	24.6%	24.63%
OCF 3Y	—	—	—	—	—	—	31.7%	18.0%	59.6%	41.9%	28.2%	41.3%	4.2%	10.5%	27.5%	17.1%	19.9%	6.2%	5.4%	4.5%	4.51%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	23.0%	16.0%	35.3%	24.0%	22.2%	27.0%	26.96%
Assets 3Y	—	—	—	—	—	—	9.7%	9.7%	9.7%	9.7%	11.4%	11.4%	11.4%	11.4%	5.3%	5.3%	5.3%	5.3%	5.8%	5.8%	5.76%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	9.2%	9.2%	9.2%	9.2%	6.7%	6.7%	6.70%
Equity 3Y	—	—	—	—	—	—	3.9%	3.9%	3.9%	3.9%	10.4%	10.4%	10.4%	10.4%	9.8%	9.8%	9.8%	9.8%	18.1%	18.1%	18.10%
Book Value 3Y	—	—	—	—	—	—	0.7%	-0.2%	-1.3%	-1.2%	5.1%	5.1%	5.2%	5.1%	6.7%	6.6%	6.7%	6.6%	14.8%	15.5%	15.52%
Dividend 3Y	—	—	—	—	—	—	0.3%	-0.2%	-0.9%	-0.4%	0.5%	-0.1%	-0.6%	-1.1%	0.5%	0.4%	0.5%	0.4%	0.3%	0.9%	0.91%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	—	—	0.80	0.80	0.88	0.85	0.77	0.87	0.94	0.76	0.82	0.87	0.93	0.95	0.98	0.98	0.97	0.91	0.91	0.94	0.942
Earnings Stability	—	—	1.00	0.94	0.83	0.82	0.89	0.74	0.73	0.82	0.90	0.86	0.86	0.90	0.90	0.90	0.90	0.94	0.92	0.76	0.760
Margin Stability	—	—	0.94	0.94	0.94	0.94	0.95	0.95	0.94	0.93	0.91	0.92	0.90	0.88	0.89	0.90	0.90	0.91	0.91	0.91	0.912
Rev. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	—	—	0.50	0.92	0.98	0.99	1.00	0.98	0.99	0.97	0.93	0.85	0.89	0.94	0.96	0.98	0.97	0.95	0.97	0.97	0.966
Earnings Smoothness	0.45	0.69	0.58	0.82	0.95	0.97	1.00	0.95	0.97	0.94	0.85	0.68	0.76	0.86	0.91	0.95	0.93	0.89	0.93	0.91	0.911
ROE Trend	—	—	0.06	0.04	0.02	0.00	0.03	0.01	0.01	0.02	-0.01	0.01	0.00	-0.01	-0.01	-0.00	-0.01	-0.01	-0.01	-0.03	-0.031
Gross Margin Trend	—	—	0.10	0.08	0.05	0.02	0.01	-0.05	-0.09	-0.12	-0.16	-0.14	-0.16	-0.15	-0.13	-0.09	-0.06	-0.03	0.00	0.01	0.011
FCF Margin Trend	—	—	-0.19	0.01	0.01	0.10	0.16	0.11	-0.01	-0.07	-0.08	-0.10	-0.06	-0.05	-0.02	0.00	-0.02	-0.05	-0.01	-0.04	-0.040
Sustainable Growth Rate	10.2%	11.1%	10.2%	9.6%	9.6%	9.9%	9.6%	8.3%	9.2%	10.1%	10.2%	11.5%	11.2%	10.7%	9.2%	9.8%	9.9%	10.1%	8.7%	7.2%	7.23%
Internal Growth Rate	1.0%	1.1%	1.0%	0.9%	0.9%	1.0%	0.9%	0.8%	0.8%	0.9%	0.9%	1.1%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	0.8%	0.84%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.30	1.14	0.77	1.06	0.92	1.15	1.29	1.40	1.38	1.26	1.00	0.99	1.07	1.22	1.25	1.23	1.13	1.00	1.10	1.20	1.203
FCF/OCF	0.98	0.98	0.98	0.98	0.98	0.99	0.99	0.98	0.97	0.97	0.95	0.95	0.94	0.94	0.94	0.94	0.93	0.91	0.88	0.86	0.859
FCF/Net Income	snapshot only																				1.034
OCF/EBITDA	snapshot only																				0.851
CapEx/Revenue	0.7%	0.7%	0.6%	0.5%	0.6%	0.5%	0.6%	0.7%	0.9%	0.9%	1.2%	1.4%	1.7%	1.8%	1.9%	1.9%	2.0%	2.5%	3.5%	3.8%	3.85%
CapEx/Depreciation	snapshot only																				3.229
Accruals Ratio	-0.00	-0.00	0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				0.387
Cash Flow Adequacy	snapshot only																				2.137
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	4.1%	4.5%	3.6%	3.7%	3.9%	3.9%	3.7%	3.5%	3.7%	3.9%	3.5%	3.9%	3.7%	3.6%	3.6%	3.6%	3.3%	3.3%	3.3%	3.1%	3.10%
Dividend/Share	$0.60	$0.60	$0.58	$0.60	$0.62	$0.64	$0.64	$0.63	$0.63	$0.66	$0.69	$0.71	$0.73	$0.74	$0.77	$0.78	$0.81	$0.83	$0.85	$0.82	$0.88
Payout Ratio	31.7%	29.9%	29.8%	31.7%	32.4%	32.2%	32.9%	37.3%	35.9%	34.8%	33.2%	31.2%	32.2%	33.7%	33.7%	32.8%	33.1%	33.2%	34.6%	39.4%	39.36%
FCF Payout Ratio	24.9%	26.7%	39.8%	30.3%	36.1%	28.4%	26.0%	27.2%	26.7%	28.5%	34.9%	33.3%	32.1%	29.5%	28.8%	28.3%	31.4%	36.5%	35.6%	38.1%	38.08%
Total Payout Ratio	35.5%	34.1%	38.5%	39.6%	43.8%	45.2%	41.4%	47.8%	48.7%	47.2%	46.7%	46.1%	42.7%	42.1%	39.9%	35.0%	37.8%	39.1%	41.3%	68.6%	68.63%
Div. Increase Streak	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	-0.87	-0.86	0.05	0.08	0.12	0.15	0.15	0.16	0.17	0.19	0.21	0.19	0.17	0.16	0.14	0.14	0.14	0.14	0.13	0.13	0.129
Buyback Yield	0.5%	0.6%	1.0%	0.9%	1.4%	1.6%	0.9%	1.0%	1.3%	1.4%	1.4%	1.9%	1.2%	0.9%	0.7%	0.2%	0.5%	0.6%	0.6%	2.3%	2.28%
Net Buyback Yield	0.5%	0.6%	1.0%	0.9%	1.4%	1.6%	0.9%	1.0%	1.3%	1.4%	1.4%	1.9%	1.2%	0.9%	0.7%	0.2%	0.5%	0.6%	0.6%	2.3%	2.28%
Total Shareholder Return	4.5%	5.1%	4.6%	4.7%	5.3%	5.5%	4.6%	4.5%	5.1%	5.3%	4.9%	5.8%	5.0%	4.4%	4.3%	3.8%	3.7%	3.9%	3.9%	5.4%	5.35%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.74	0.74	0.73	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.735
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.44	0.46	0.47	0.45	0.44	0.43	0.41	0.35	0.34	0.33	0.34	0.36	0.35	0.34	0.34	0.35	0.36	0.36	0.36	0.31	0.309
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.060
Equity Multiplier	9.92	9.92	10.29	10.29	10.29	10.29	10.95	10.95	10.95	10.95	10.84	10.84	10.84	10.84	9.77	9.77	9.77	9.77	8.71	8.71	8.710

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.90	$2.02	$1.94	$1.88	$1.90	$1.97	$1.96	$1.68	$1.76	$1.89	$2.07	$2.26	$2.26	$2.21	$2.27	$2.38	$2.44	$2.49	$2.45	$2.08	$2.08
Book Value/Share	$13.29	$13.30	$14.19	$14.19	$14.23	$14.27	$12.95	$12.03	$11.65	$11.69	$15.37	$15.39	$15.46	$15.45	$17.24	$17.17	$17.28	$17.30	$19.58	$18.55	$22.53
Tangible Book/Share	$12.11	$12.12	$12.83	$12.84	$12.87	$12.91	$11.55	$10.73	$10.38	$10.42	$12.25	$12.26	$12.32	$12.31	$14.19	$14.13	$14.22	$14.23	$17.20	$16.29	$16.29
Revenue/Share	$5.91	$5.93	$5.66	$5.73	$5.90	$6.16	$6.47	$6.52	$7.01	$7.70	$8.28	$8.55	$8.76	$8.89	$9.03	$9.15	$9.24	$9.30	$9.33	$9.16	$9.16
FCF/Share	$2.42	$2.26	$1.45	$1.96	$1.71	$2.24	$2.48	$2.30	$2.37	$2.32	$1.97	$2.12	$2.26	$2.52	$2.65	$2.76	$2.57	$2.26	$2.38	$2.15	$2.15
OCF/Share	$2.46	$2.30	$1.48	$2.00	$1.74	$2.27	$2.52	$2.35	$2.43	$2.39	$2.07	$2.24	$2.41	$2.69	$2.83	$2.93	$2.75	$2.49	$2.71	$2.51	$2.51
Cash/Share	$45.12	$45.16	$46.56	$46.57	$46.71	$46.84	$33.20	$30.85	$29.85	$29.96	$28.30	$28.34	$28.46	$28.45	$6.01	$5.99	$6.03	$6.03	$26.64	$25.24	$32.05
EBITDA/Share	$2.74	$2.90	$2.78	$2.69	$2.72	$2.82	$2.78	$2.39	$2.52	$2.71	$2.96	$3.24	$3.24	$3.17	$3.27	$3.41	$3.48	$3.55	$3.49	$2.94	$2.94
Debt/Share	$4.48	$4.48	$4.76	$4.76	$4.78	$4.79	$9.72	$9.03	$8.74	$8.77	$4.63	$4.63	$4.65	$4.65	$4.26	$4.24	$4.27	$4.28	$2.07	$1.97	$1.97
Net Debt/Share	$-40.64	$-40.68	$-41.80	$-41.81	$-41.93	$-42.05	$-23.49	$-21.82	$-21.12	$-21.19	$-23.67	$-23.71	$-23.81	$-23.80	$-1.75	$-1.75	$-1.76	$-1.76	$-24.57	$-23.28	$-23.28

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.228
Altman Z-Prime	snapshot only																				-2.239
Piotroski F-Score	9	8	5	5	3	5	6	4	5	5	5	5	7	7	7	7	7	7	9	7	7
Beneish M-Score	-2.54	-2.51	-2.38	-2.33	-2.32	-2.33	-2.09	-2.06	-2.05	-2.02	-1.98	-2.12	-2.09	-2.14	-2.57	-2.43	-2.41	-2.42	-2.71	-2.41	-2.415
Ohlson O-Score	snapshot only																				-4.281
Net-Net WC	snapshot only																				$-108.34

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA
Credit Score	89.38	90.91	79.71	80.63	80.13	80.74	63.11	63.42	63.38	65.40	80.29	81.57	81.35	83.65	80.02	80.00	80.81	81.47	90.90	88.15	88.147
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				8.146
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				91
Sector Credit Rank	snapshot only																				83

HBT NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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