HBT Financial [HBT] vs U.S. Bancorp [USB] Detailed Stock Comparison

HBT Financial Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: HBT Financial Inc. wins in 10 metrics, U.S. Bancorp wins in 9 metrics, with 0 ties. HBT Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric HBT Financial Inc. U.S. Bancorp Better
P/E Ratio (TTM) 11.43 11.92 HBT Financial Inc.
Price-to-Book Ratio 1.42 1.51 HBT Financial Inc.
Debt-to-Equity Ratio 0.11 1.21 HBT Financial Inc.
PEG Ratio -1.83 0.82 U.S. Bancorp
Profit Margin (TTM) 32.92% 29.29% HBT Financial Inc.
Operating Margin (TTM) 46.08% 37.84% HBT Financial Inc.
EBITDA Margin (TTM) 46.08% 37.84% HBT Financial Inc.
Return on Equity 13.28% 12.35% HBT Financial Inc.
Return on Assets (TTM) 1.52% 1.14% HBT Financial Inc.
Free Cash Flow (TTM) $74.82M $7.97B U.S. Bancorp
Dividend Yield 3.78% 3.82% U.S. Bancorp
1-Year Return 30.56% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 4.34 3.32 U.S. Bancorp
Enterprise Value $819.58M $126.46B U.S. Bancorp
EV/Revenue Ratio 3.50 4.75 HBT Financial Inc.
Revenue per Share (TTM) $7 $17 U.S. Bancorp
Earnings per Share (Diluted) $2.44 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.55 1.03 HBT Financial Inc.
Short % of Float 0.84% 0.00% U.S. Bancorp

HBT Financial Inc. vs U.S. Bancorp Stock Performance Analysis

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HBT
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
HBT Financial Inc.-1.96%2.04%10.66%13.00%11.12%16.65%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
HBT Financial Inc.30.56%58.25%75.40%96.85%96.85%96.85%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: HBT Financial Inc. vs U.S. Bancorp

MetricHBTUSB
Market Information
Market Cap i$1.02B$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i73,1729,829,002
90 Day Avg. Volume i67,81710,401,007
Last Close$29.99$57.79
52 Week Range$22.36 - $30.85$42.55 - $61.19
% from 52W High-2.79%-5.56%
All-Time High$30.85 (Jun 12, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-2.79%-9.09%
Growth Metrics
Quarterly Revenue Growth0.01%0.05%
Quarterly Earnings Growth-0.07%0.14%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.46%0.38%
Return on Equity (TTM) i0.13%0.12%
Debt to Equity (MRQ) i0.111.21
Cash & Liquidity
Book Value per Share (MRQ)$19.58$37.54
Cash per Share (MRQ)$3.99$31.14
Operating Cash Flow (TTM) i$85.07M$6.04B
Levered Free Cash Flow (TTM) i$77.01M$7.19B
Dividends
Last 12-Month Dividend Yield i3.78%3.82%
Last 12-Month Dividend i$1.07$2.04

Valuation & Enterprise Metrics Analysis: HBT Financial Inc. vs U.S. Bancorp

MetricHBT (Apr 23, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.4311.92
Forward P/E i9.1010.09
PEG Ratio i-1.830.82
Price to Sales (TTM) i4.343.32
Price to Book (MRQ) i1.421.51
Market Capitalization
Market Capitalization i$1.02B$88.06B
Enterprise Value i$819.58M$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.504.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.551.03
Book Value per Share (MRQ) i$19.58$37.54

Financial Statements Comparison: HBT Financial Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHBT (2025)USB (2025)
Revenue/Sales i235.74M28.54B
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 i104.51M9.52B
Pre-Tax Income % of Revenue i44.3%33.3%
Income Tax i27.50M1.92B
Income Tax % of Revenue i11.7%6.7%
Net Income (Profit) i77.01M7.60B
Profit Margin i32.7%26.6%

Balance Sheet & Liquidity Metrics

MetricHBT (2025)USB (2025)
Cash & Equivalents i122.27M46.89B
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 i65.21M60.76B
Long-Term Debt % of Revenue i27.7%212.9%
Total Shareholders Equity i615.50M65.65B
Retained Earnings i367.16M80.91B
Retained Earnings % of Revenue i155.7%283.5%
Property, Plant & Equipment i105.28M1.51B

Cash Flow Statement Comparison

MetricHBT (2025)USB (2025)
Operating Cash Flow i87.15M6.04B
Operating Cash Flow % of Revenue i37.0%21.2%
Capital Expenditures i-10.17MN/A
Free Cash Flow i74.82M7.97B
FCF Margin i31.7%27.9%
Debt Repayment i-47.89M-9.05B
Common Stock Repurchase i-4.51M-489.00M

Short Interest & Institutional Ownership Analysis

MetricHBTUSB
Shares Short i147,38227,002
Short Ratio i1.610.00
Short % of Float i0.84%0.00%
Shares Outstanding i31.43M1.56B
Float Shares i14.11M1.55B
% Held by Insiders i56.36%0.14%
% Held by Institutions i21.35%83.55%
% Held by Public i22.29%16.31%

Dividend Analysis & Yield Comparison: HBT Financial Inc. vs U.S. Bancorp

MetricHBTUSB
Last 12-Month Dividend i$1.07$2.04
Last 12-Month Dividend Yield i3.78%3.82%
3-Year Avg Annual Dividend i$0.84$1.98
3-Year Avg Dividend Yield i0.89%1.19%
3-Year Total Dividends i$2.51$5.95
Ex-Dividend DateFeb 09, 2026Dec 31, 2025