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Stock comparison · Signal date 2026-11-03

HBT vs TMP: stock comparison and AI forecast

Hbt Financial, Inc. (HBT) and Tompkins Financial Corp (TMP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
Nasdaq · State Commercial Banks

HBT Hbt Financial, Inc.

Price
$37.51 +36.1% · 6M
Market Cap
$1.36B
P/E Ratio
14.5x
Size
small-cap
AI Forecast
Full analysis →
NYSE · State Commercial Banks

TMP Tompkins Financial Corp

Market Cap
$1.46B
P/E Ratio
8.1x
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 · TMP

Key facts

  • HBT and TMP have similar market capitalizations ($1.36B and $1.46B).
  • TMP trades at 8.1 times trailing earnings, HBT at 14.5 times.
  • TMP turns 40.2% of its revenue into net income, against 29.2% for HBT.
  • TMP carries 8.59 times debt per unit of equity, against 7.80 times for HBT.
  • TMP yields 2.65% in dividends and HBT 2.12%.
  • Both companies share the SEC industry classification State Commercial Banks.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricHBTTMP
Market Cap$1.36B$1.46B
P/E Ratio14.48x8.07x
P/B Ratio1.78x1.56x
Dividend Yield2.12%2.65%
EPS$2.59$12.58
Book Value/Share$21.03$65.10
Revenue/Share$7.31$31.18
FCF/Share–$3.46

Profitability & Margins

MetricHBTTMP
ROE10.2%19.2%
ROA1.2%2.0%
Net Margin29.2%40.2%
EBT Margin39.7%55.9%
Tax Rate26.3%28.0%

Financial Health

MetricHBTTMP
D/E Ratio7.80x8.59x
Financial Leverage8.80x9.59x

Cash Flow

MetricHBTTMP
Operating Cash Flow$87M$59M
Free Cash Flow–$50M
Capital Spending–-$9M
OCF Growth YoY0.0%-40.6%
FCF Growth YoY–-47.5%
FCF/Sales–11.1%
CapEx/Sales–2.1%

Operational Efficiency

MetricHBTTMP
Asset Turnover0.04x0.05x
Fixed Assets Turnover2.9x6.4x

Income Statement

MetricHBTTMP
Total Revenue$266M$448M
Net Income$78M$180M

Dividend & Shareholder Information

MetricHBTTMP
Dividends Per Share$0.80$2.69
Payout Ratio30.9%21.4%
Shares Outstanding36M14M
Net Income Growth1.3%103.7%
EPS Growth12.6%112.9%
FAQ

HBT vs TMP: stock comparison and AI forecast

Which is bigger, HBT or TMP?

HBT and TMP have similar market capitalizations ($1.36B and $1.46B).

Which is cheaper on earnings, HBT or TMP?

TMP trades at 8.1 times trailing earnings, HBT at 14.5 times.

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

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.