COMP <GO>
PEBO vs HBT // PIOTROSKI F-SCORE QUALITY
Peoples Bancorp Inc. (NASDAQ) VS. HBT Financial Inc. (NASDAQ) • 15-METRIC TALLY: PEBO 5
— HBT 1
■ METRIC PARITY
LAST: $38.57 (-0.62%) • MKT CAP: $1.39B
piotroski-score
5/9
LAST: $36.52 (-0.76%) • MKT CAP: $1.34B
piotroski-score
5/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PEBO VS. HBT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PEBO | HBT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.50% | 12.50% | -2.00 | HBT | /roic <GO> |
| EV/EBITDA & P/E Valuation | 8.6x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.23% | 6.36% | +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 | 4.17% | 1.99% | +2.18 | PEBO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 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 | 59.6 | 57.4 | +2.20 | PEBO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.2x | 16.2x | -4.00 | PEBO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.39B | $1.34B | $56.7M | PEBO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PEBO REV | HBT REV | PEBO GROSS % | HBT GROSS % | PEBO FCF | HBT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $86.7M | $0 | — | — | $128.7M | $85.1M |
| FY 2024 | $84.8M | $0 | — | — | $136.4M | $89.4M |
| FY 2023 | $79.5M | $0 | — | — | $143.6M | $65.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PEBO // BETA —
HBT // BETA —