HBT vs. HDB
HBT (HBT Financial, Inc.) and HDB (HDFC Bank Limited) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, HBT returned 16.89%/yr vs -4.71%/yr for HDB. At a 0.26 correlation, their price movements are largely independent.
Performance
HBT vs. HDB - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, HBT achieves a 26.52% return, which is significantly higher than HDB's -28.29% return.
HBT
- 1D
- -1.71%
- 1M
- 15.92%
- 6M
- 27.21%
- YTD
- 26.52%
- 1Y
- 25.22%
- 3Y*
- 25.04%
- 5Y*
- 16.89%
- 10Y*
- —
HDB
- 1D
- 0.86%
- 1M
- 11.27%
- 6M
- -28.17%
- YTD
- -28.29%
- 1Y
- -30.68%
- 3Y*
- -7.80%
- 5Y*
- -4.71%
- 10Y*
- 5.79%
HBT vs. HDB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
HBT HBT Financial, Inc. | 26.52% | 22.23% | 7.74% | 11.71% | 8.11% | 28.04% | -16.60% | 17.22% |
HDB HDFC Bank Limited | -28.29% | 17.07% | -2.54% | 0.16% | 7.39% | -9.29% | 14.03% | 12.32% |
Correlation
The correlation between HBT and HDB is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.13 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.21 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.25 |
Correlation (All Time) Calculated using the full available price history since Oct 11, 2019 | 0.26 |
The correlation between HBT and HDB shifts across timeframes, from 0.13 (1 year) to 0.26 (all time), reflecting how their relationship changes across market environments.
Fundamentals
HBT:
$1.01B
HDB:
$132.18B
HBT:
$2.16
HDB:
₹192.24
HBT:
14.91
HDB:
12.79
HBT:
3.04
HDB:
0.19
HBT:
3.52
HDB:
1.96
HBT:
1.43
HDB:
0.73
HBT:
$293.11M
HDB:
₹5.00T
HBT:
$177.69M
HDB:
₹2.86T
HBT:
$82.63M
HDB:
₹1.03T
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
HBT vs. HDB — Risk / Return Rank
HBT
HDB
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| HBT | HDB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.28 | ||
| Sortino ratioReturn per unit of downside risk | +3.40 | ||
| Omega ratioGain probability vs. loss probability | 1.19 | 0.79 | +0.40 |
| Calmar ratioReturn relative to maximum drawdown | 2.08 | -0.74 | +2.82 |
| Martin ratioReturn relative to average drawdown | 4.65 | -1.41 | +6.06 |
Loading charts...
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.
Loading charts...
Drawdown Indicators
| HBT | HDB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.95% | -67.93% | +13.98% |
Max Drawdown (1Y)Largest decline over 1 year | -13.42% | -40.98% | +27.56% |
Max Drawdown (3Y)Largest decline over 3 years | -18.67% | -40.98% | +22.31% |
Max Drawdown (5Y)Largest decline over 5 years | -27.07% | -40.98% | +13.91% |
Max Drawdown (10Y)Largest decline over 10 years | — | -54.28% | — |
Current DrawdownCurrent decline from peak | -1.71% | -32.79% | +31.08% |
Average DrawdownAverage peak-to-trough decline | -12.16% | -13.84% | +1.68% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.97% | 21.53% | -15.56% |
Volatility
HBT vs. HDB - Volatility Comparison
HBT Financial, Inc. (HBT) has a higher volatility of 7.04% compared to HDFC Bank Limited (HDB) at 6.50%. This indicates that HBT's price experiences larger fluctuations and is considered to be riskier than HDB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| HBT | HDB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.04% | 6.50% | +0.54% |
Volatility (6M)Calculated over the trailing 6-month period | 18.01% | 21.40% | -3.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.64% | 24.71% | +1.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.02% | 26.87% | +2.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.28% | 29.07% | +6.21% |
Dividends
HBT vs. HDB - Dividend Comparison
HBT's dividend yield for the trailing twelve months is around 2.73%, less than HDB's 3.41% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HBT HBT Financial, Inc. | 2.73% | 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% |
Financials
HBT vs. HDB - Financials Comparison
This section allows you to compare key financial metrics between HBT Financial, Inc. and HDFC Bank Limited. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
HBT vs. HDB - Profitability Comparison
HBT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, HBT Financial, Inc. reported a gross profit of 0.00 and revenue of 71.84M. Therefore, the gross margin over that period was 0.0%.
HDB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, HDFC Bank Limited reported a gross profit of 693.21B and revenue of 1.19T. Therefore, the gross margin over that period was 58.4%.
HBT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, HBT Financial, Inc. reported an operating income of 0.00 and revenue of 71.84M, resulting in an operating margin of 0.0%.
HDB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, HDFC Bank Limited reported an operating income of 281.02B and revenue of 1.19T, resulting in an operating margin of 23.7%.
HBT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, HBT Financial, Inc. reported a net income of 11.20M and revenue of 71.84M, resulting in a net margin of 15.6%.
HDB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, HDFC Bank Limited reported a net income of 206.67B and revenue of 1.19T, resulting in a net margin of 17.4%.
Frequently Asked Questions
HBT and HDB have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HBT has higher volatility (7.04%) compared to HDB (6.50%). In terms of maximum drawdown, HBT dropped -53.95% vs HDB's -67.93%.
HBT currently has the higher Sharpe Ratio (1.05 vs -1.23), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for HBT and HDB
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer