COMP <GO>
WABC vs HBT // PIOTROSKI F-SCORE QUALITY
Westamerica Bancorporation (NASDAQ) VS. HBT Financial Inc. (NASDAQ) • 15-METRIC TALLY: WABC 4
— HBT 3
▲ PIOTROSKI F-SCORE QUALITY LEADER: HBT
LAST: $60.73 (-1.09%) • MKT CAP: $1.42B
piotroski-score
4/9
LAST: $36.52 (-0.76%) • MKT CAP: $1.34B
piotroski-score
5/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WABC VS. HBT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WABC | HBT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.40% | 12.50% | -0.10 | HBT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.43% | 6.36% | +2.07 | WABC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.31% | 1.99% | +1.32 | WABC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 4/9 | 5/9 | -1.00 | HBT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.1 | 57.4 | -1.30 | HBT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.3x | 16.2x | -4.90 | WABC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.42B | $1.34B | $80.8M | WABC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WABC REV | HBT REV | WABC GROSS % | HBT GROSS % | WABC FCF | HBT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $119.7M | $85.1M |
| FY 2024 | $0 | $0 | — | — | $139.8M | $89.4M |
| FY 2023 | $0 | $0 | — | — | $158.2M | $65.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WABC // BETA —
HBT // BETA —