HBT vs. HDB

Last updated Apr 1, 2026

Compare and contrast key facts about HBT Financial, Inc. (HBT) and HDFC Bank Limited (HDB).

Performance

HBT vs. HDB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in HBT Financial, Inc. (HBT) and HDFC Bank Limited (HDB). The values are adjusted to include any dividend payments, if applicable.

HBT vs. HDB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
HBT HBT Financial, Inc.	4.18%	22.23%	7.74%	11.71%	8.11%	28.04%	-16.60%	22.20%
HDB HDFC Bank Limited	-31.91%	17.07%	-2.54%	0.16%	7.39%	-9.29%	14.03%	13.08%

Fundamentals

Market Cap HBT : $839.93M HDB : $128.13B
EPS HBT : $2.45 HDB : $139.33
PE Ratio HBT : 10.92 HDB : 0.18
PEG Ratio HBT : 2.23 HDB : 0.01
PS Ratio HBT : 2.87 HDB : 0.03
PB Ratio HBT : 1.36 HDB : 0.02
Total Revenue (TTM) HBT : $293.33M HDB : $4.50T
Gross Profit (TTM) HBT : $234.74M HDB : $2.32T
EBITDA (TTM) HBT : $109.58M HDB : $905.96B

Returns By Period

In the year-to-date period, HBT achieves a 4.18% return, which is significantly higher than HDB's -31.91% return.

HBT

• 1D: -1.37%
• 1M: -0.89%
• YTD: 4.18%
• 6M: 7.79%
• 1Y: 23.35%
• 3Y*: 14.71%
• 5Y*: 13.14%
• 10Y*: —

HDB

• 1D: 3.24%
• 1M: -21.88%
• YTD: -31.91%
• 6M: -27.17%
• 1Y: -23.38%
• 3Y*: -7.23%
• 5Y*: -6.76%
• 10Y*: 6.14%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

HBT vs. HDB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

HBT

HBT Risk / Return Rank: 68
HBT Sharpe Ratio Rank: 70
HBT Sortino Ratio Rank: 64
HBT Omega Ratio Rank: 61
HBT Calmar Ratio Rank: 74
HBT Martin Ratio Rank: 72

HDB

HDB Risk / Return Rank: 9
HDB Sharpe Ratio Rank: 5
HDB Sortino Ratio Rank: 8
HDB Omega Ratio Rank: 8
HDB Calmar Ratio Rank: 22
HDB Martin Ratio Rank: 2

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

HBT vs. HDB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for HBT Financial, Inc. (HBT) and HDFC Bank Limited (HDB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	HBT	HDB	Difference
Sharpe ratio Return per unit of total volatility	0.83	-0.99	+1.82
Sortino ratio Return per unit of downside risk	1.34	-1.32	+2.66
Omega ratio Gain probability vs. loss probability	1.16	0.84	+0.32
Calmar ratio Return relative to maximum drawdown	1.70	-0.60	+2.30
Martin ratio Return relative to average drawdown	3.89	-1.92	+5.81
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

HBT vs. HDB - Sharpe Ratio Comparison

The current HBT Sharpe Ratio is 0.83, which is higher than the HDB Sharpe Ratio of -0.99. The chart below compares the historical Sharpe Ratios of HBT and HDB, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	HBT	HDB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.83	-0.99	+1.82
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.46	-0.25	+0.71
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.21	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.36	0.43	-0.08

Correlation

The correlation between HBT and HDB is 0.26, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

HBT vs. HDB - Dividend Comparison

HBT's dividend yield for the trailing twelve months is around 3.22%, less than HDB's 3.41% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
HBT HBT Financial, Inc.	3.22%	3.25%	3.47%	3.22%	3.27%	3.20%	3.96%	0.00%	0.00%	0.00%	0.00%	0.00%
HDB HDFC Bank Limited	3.41%	2.32%	2.19%	2.06%	1.70%	0.81%	0.00%	0.17%	0.55%	0.49%	0.66%	0.58%

Drawdowns

HBT vs. HDB - Drawdown Comparison

The maximum HBT drawdown since its inception was -53.95%, smaller than the maximum HDB drawdown of -67.93%. Use the drawdown chart below to compare losses from any high point for HBT and HDB.

Drawdown Indicators

	HBT	HDB	Difference
Max Drawdown Largest peak-to-trough decline	-53.95%	-67.93%	+13.98%
Max Drawdown (1Y) Largest decline over 1 year	-13.42%	-38.18%	+24.76%
Max Drawdown (5Y) Largest decline over 5 years	-27.07%	-38.18%	+11.11%
Max Drawdown (10Y) Largest decline over 10 years	—	-54.28%	—
Current Drawdown Current decline from peak	-8.84%	-36.18%	+27.34%
Average Drawdown Average peak-to-trough decline	-12.52%	-13.62%	+1.10%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.87%	11.98%	-6.11%

Volatility

HBT vs. HDB - Volatility Comparison

The current volatility for HBT Financial, Inc. (HBT) is 6.77%, while HDFC Bank Limited (HDB) has a volatility of 11.06%. This indicates that HBT experiences smaller price fluctuations and is considered to be less risky than HDB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	HBT	HDB	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.77%	11.06%	-4.29%
Volatility (6M) Calculated over the trailing 6-month period	19.81%	18.15%	+1.66%
Volatility (1Y) Calculated over the trailing 1-year period	28.16%	23.74%	+4.42%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.00%	26.82%	+2.18%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	35.66%	28.82%	+6.84%

Financials

HBT vs. HDB - Profitability Comparison

The chart below illustrates the profitability comparison between HBT Financial, Inc. and HDFC Bank Limited over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

HBT - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, HBT Financial, Inc. reported a gross profit of 60.44M and revenue of 74.29M. Therefore, the gross margin over that period was 81.4%.

HDB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, HDFC Bank Limited reported a gross profit of 781.29B and revenue of 1.28T. Therefore, the gross margin over that period was 61.1%.

HBT - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, HBT Financial, Inc. reported an operating income of 25.91M and revenue of 74.29M, resulting in an operating margin of 34.9%.

HDB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, HDFC Bank Limited reported an operating income of 271.85B and revenue of 1.28T, resulting in an operating margin of 21.2%.

HBT - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, HBT Financial, Inc. reported a net income of 18.94M and revenue of 74.29M, resulting in a net margin of 25.5%.

HDB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, HDFC Bank Limited reported a net income of 199.71B and revenue of 1.28T, resulting in a net margin of 15.6%.