COMP <GO>
HBT vs PEBO // EV/EBITDA & P/E VALUATION
HBT Financial Inc. (NASDAQ) VS. Peoples Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: HBT 1
— PEBO 5
■ METRIC PARITY
LAST: $36.80 (+1.10%) • MKT CAP: $1.34B
valuation
—
LAST: $38.81 (+1.09%) • MKT CAP: $1.39B
valuation
8.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HBT VS. PEBO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HBT | PEBO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.50% | 10.50% | +2.00 | HBT | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 8.6x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.36% | 9.23% | -2.87 | PEBO | /fcf-yield <GO> |
| Operating Margin | — | 75.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 2.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.99% | 4.17% | -2.18 | PEBO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.1 | 57.5 | -2.42 | PEBO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.2x | 12.2x | +4.00 | PEBO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.34B | $1.39B | -$56.7M | PEBO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HBT REV | PEBO REV | HBT GROSS % | PEBO GROSS % | HBT FCF | PEBO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $86.7M | — | — | $85.1M | $128.7M |
| FY 2024 | $0 | $84.8M | — | — | $89.4M | $136.4M |
| FY 2023 | $0 | $79.5M | — | — | $65.8M | $143.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HBT // BETA —
PEBO // BETA —