HBT Financial, Inc. — Earnings Quality Grade A
HBT · Financial Services
Strong financial health
Screening Summary
管理层信号
数据来源：SEC EDGAR 8-K Item 5.02，附 Exhibit 99.1 链接
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 37 days, change -4 days YoY
AR growth -4.0% vs revenue growth 6.0%
Revenue 6.0%, CFFO -4.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 86.1% is >2x revenue growth 6.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.10. Profits backed by cash
FCF $0.1B, FCF/NI = 0.97
Accruals ratio = -0.2%. Low accruals
Cash $0.1B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 15% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -5% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
HBT Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25