` Comparison: HBT, MTB - Alpha Spread

HBT
vs
MTB

Over the past 12 months, HBT has outperformed MTB, delivering a return of +17% compared to the MTB's +4% growth.

Valuation Growth Profitability Solvency Stocks Performance
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HBT
MTB
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Stocks Compared:
HBT MTB
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Valuation Comparison

HBT Intrinsic Value
36.44 USD
Undervaluation 26%
Intrinsic Value
Price
MTB Intrinsic Value
254.91 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
HBT Financial Inc
NASDAQ:HBT
27.05 USD
M&T Bank Corp
NYSE:MTB
204.47 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HBT, MTB

HBT
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
HBT Financial Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HBT, MTB

HBT
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
HBT Financial Inc
NASDAQ:HBT
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HBT
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp
Not applicable for financial companies

Operating Margin

HBT
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp
Not applicable for financial companies

Net Margin

HBT
0%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp

FCF Margin

HBT
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp
Not applicable for financial companies

ROE

HBT
13.8%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp

ROA

HBT
1.6%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp

ROIC

HBT
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp
Not applicable for financial companies

ROCE

HBT
0%
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
HBT Financial Inc
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HBT, MTB

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HBT
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HBT, MTB

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HBT
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HBT, MTB

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HBT
MTB
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