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Stock comparison · Signal date 2026-11-06

HBT vs PEBO: stock comparison and AI forecast

Hbt Financial, Inc. (HBT) and Peoples Bancorp Inc (PEBO) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · State Commercial Banks

HBT Hbt Financial, Inc.

Market Cap
$1.35B
P/E Ratio
13.1x
Size
small-cap
AI Forecast
Full analysis →
Nasdaq · State Commercial Banks

PEBO Peoples Bancorp Inc

Price
$38.60 +12.6% · 6M
Market Cap
$1.39B
P/E Ratio
11.8x
Size
small-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

HBT · PEBO

Key facts

  • HBT and PEBO have similar market capitalizations ($1.35B and $1.39B).
  • PEBO trades at 11.8 times trailing earnings, HBT at 13.1 times.
  • HBT turns 30.6% of its revenue into net income, against 29.5% for PEBO.
  • PEBO carries 7.92 times debt per unit of equity, against 7.91 times for HBT.
  • PEBO yields 4.29% in dividends and HBT 2.34%.
  • Both companies share the SEC industry classification State Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricHBTPEBO
Market Cap$1.35B$1.39B
P/E Ratio13.12x11.84x
P/B Ratio1.78x1.69x
Dividend Yield2.34%4.29%
EPS$2.82$3.26
Book Value/Share$20.74$22.79
Revenue/Share$8.02$12.31
FCF/Share–$4.75

Profitability & Margins

MetricHBTPEBO
ROE11.8%13.0%
ROA1.3%–
Operating Margin–42.3%
Net Margin30.6%29.5%
EBT Margin41.5%42.3%
Tax Rate26.3%20.4%

Financial Health

MetricHBTPEBO
D/E Ratio7.91x7.92x
Financial Leverage8.91x–
Interest Coverage–0.4x

Cash Flow

MetricHBTPEBO
Operating Cash Flow$104M$175M
Free Cash Flow–$171M
Capital Spending–-$4M
OCF Growth YoY32.8%25.3%
FCF Growth YoY–28.2%
FCF/Sales–38.6%
CapEx/Sales–0.9%

Operational Efficiency

MetricHBTPEBO
Asset Turnover0.04x–
Fixed Assets Turnover3.2x4.6x

Income Statement

MetricHBTPEBO
Total Revenue$292M$443M
Operating Income–$152M
Net Income$89M$106M

Dividend & Shareholder Information

MetricHBTPEBO
Dividends Per Share$0.87$1.65
Payout Ratio30.9%50.6%
Shares Outstanding36M36M
Net Income Growth14.1%0.0%
EPS Growth19.5%8.0%
FAQ

HBT vs PEBO: stock comparison and AI forecast

Which is bigger, HBT or PEBO?

HBT and PEBO have similar market capitalizations ($1.35B and $1.39B).

Which is cheaper on earnings, HBT or PEBO?

PEBO trades at 11.8 times trailing earnings, HBT at 13.1 times.

Which one does Intratio's AI model rank higher, HBT or PEBO?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.