HBT Financial [HBT] vs PNC Financial [PNC] Detailed Stock Comparison

HBT Financial Inc.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: HBT Financial Inc. wins in 11 metrics, PNC Financial Services Group, Inc. wins in 8 metrics, with 0 ties. HBT Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric HBT Financial Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 11.43 12.56 HBT Financial Inc.
Price-to-Book Ratio 1.42 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.11 1.12 HBT Financial Inc.
PEG Ratio -1.83 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 32.92% 28.75% HBT Financial Inc.
Operating Margin (TTM) 46.08% 35.28% HBT Financial Inc.
EBITDA Margin (TTM) 46.08% 35.28% HBT Financial Inc.
Return on Equity 13.28% 11.33% HBT Financial Inc.
Return on Assets (TTM) 1.52% 1.09% HBT Financial Inc.
Free Cash Flow (TTM) $74.82M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.78% 3.02% HBT Financial Inc.
1-Year Return 30.56% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 4.34 3.35 PNC Financial Services Group, Inc.
Enterprise Value $819.58M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 3.50 6.11 HBT Financial Inc.
Revenue per Share (TTM) $7 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $2.44 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.55 1.07 HBT Financial Inc.
Short % of Float 0.84% 1.26% HBT Financial Inc.

HBT Financial Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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HBT
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
HBT Financial Inc.-1.96%2.04%10.66%13.00%11.12%16.65%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
HBT Financial Inc.30.56%58.25%75.40%96.85%96.85%96.85%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: HBT Financial Inc. vs PNC Financial Services Group, Inc.

MetricHBTPNC
Market Information
Market Cap i$1.02B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i73,1721,904,080
90 Day Avg. Volume i67,8171,960,760
Last Close$29.99$230.56
52 Week Range$22.36 - $30.85$172.88 - $243.94
% from 52W High-2.79%-5.48%
All-Time High$30.85 (Jun 12, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-2.79%-5.48%
Growth Metrics
Quarterly Revenue Growth0.01%0.05%
Quarterly Earnings Growth-0.07%0.11%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.46%0.35%
Return on Equity (TTM) i0.13%0.11%
Debt to Equity (MRQ) i0.111.12
Cash & Liquidity
Book Value per Share (MRQ)$19.58$127.98
Cash per Share (MRQ)$3.99$27.54
Operating Cash Flow (TTM) i$85.07M$5.61B
Levered Free Cash Flow (TTM) i$77.01M$5.50B
Dividends
Last 12-Month Dividend Yield i3.78%3.02%
Last 12-Month Dividend i$1.07$6.70

Valuation & Enterprise Metrics Analysis: HBT Financial Inc. vs PNC Financial Services Group, Inc.

MetricHBT (Apr 23, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i11.4312.56
Forward P/E i9.1011.84
PEG Ratio i-1.8311.84
Price to Sales (TTM) i4.343.35
Price to Book (MRQ) i1.421.39
Market Capitalization
Market Capitalization i$1.02B$70.31B
Enterprise Value i$819.58M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i3.506.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.551.07
Book Value per Share (MRQ) i$19.58$127.98

Financial Statements Comparison: HBT Financial Inc. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHBT (2025)PNC (2024)
Revenue/Sales i235.74M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i104.51M7.24B
Pre-Tax Income % of Revenue i44.3%34.8%
Income Tax i27.50M1.29B
Income Tax % of Revenue i11.7%6.2%
Net Income (Profit) i77.01M5.95B
Profit Margin i32.7%28.6%

Balance Sheet & Liquidity Metrics

MetricHBT (2025)PNC (2024)
Cash & Equivalents i122.27M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i65.21M61.67B
Long-Term Debt % of Revenue i27.7%296.4%
Total Shareholders Equity i615.50M54.47B
Retained Earnings i367.16M59.28B
Retained Earnings % of Revenue i155.7%284.9%
Property, Plant & Equipment i105.28MN/A

Cash Flow Statement Comparison

MetricHBT (2025)PNC (2024)
Operating Cash Flow i87.15M7.96B
Operating Cash Flow % of Revenue i37.0%38.3%
Capital Expenditures i-10.17MN/A
Free Cash Flow i74.82M7.88B
FCF Margin i31.7%37.9%
Debt Repayment i-47.89M-23.75B
Common Stock Repurchase i-4.51M-1.19B

Short Interest & Institutional Ownership Analysis

MetricHBTPNC
Shares Short i147,3824.98M
Short Ratio i1.612.41
Short % of Float i0.84%1.26%
Shares Outstanding i31.43M395.94M
Float Shares i14.11M392.38M
% Held by Insiders i56.36%0.38%
% Held by Institutions i21.35%85.29%
% Held by Public i22.29%14.33%

Dividend Analysis & Yield Comparison: HBT Financial Inc. vs PNC Financial Services Group, Inc.

MetricHBTPNC
Last 12-Month Dividend i$1.07$6.70
Last 12-Month Dividend Yield i3.78%3.02%
3-Year Avg Annual Dividend i$0.84$6.40
3-Year Avg Dividend Yield i0.89%1.00%
3-Year Total Dividends i$2.51$19.20
Ex-Dividend DateFeb 09, 2026Jan 20, 2026