Atlanticus Holdings Corporation (ATLC) vs HBT Financial, Inc. (HBT)
A side-by-side comparison of Atlanticus Holdings Corporation and HBT Financial, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ATLC vs HBT
growth of $100 · dividends reinvested · last 7yATLC vs HBT: by the numbers
- •ATLC is the larger company ($1.40B vs $1.32B market cap).
- •ATLC trades at the lower trailing earnings multiple (12.12 vs 15.58 P/E), one valuation lens rather than an overall verdict.
- •HBT converts more revenue to profit (23.46% vs 9.30% net margin).
- •ATLC grew revenue faster over the past five years (33.60% vs 15.41% CAGR).
- •HBT pays a dividend (2.53% yield), while ATLC is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | ATLC | HBT |
|---|---|---|
| P/E ratio | 12.12 | 15.58 |
| Forward P/E | 9.65 | 11.95 |
| PEG ratio | 1.41 | 1.22 |
| P/S ratio | 0.85 | 3.98 |
| P/B ratio | 2.00 | 1.73 |
Profitability
| Metric | ATLC | HBT |
|---|---|---|
| Operating margin | 17.73% | 31.83% |
| Net margin | 9.30% | 23.46% |
| ROE | 20.76% | 10.17% |
Atlanticus Holdings Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
HBT Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ATLC | HBT |
|---|---|---|
| Dividend yield | N/A | 2.53% |
| Payout ratio | N/A | 39.48% |
Growth (annualized)
| Metric | ATLC | HBT |
|---|---|---|
| Revenue CAGR (5Y) | 33.60% | 15.41% |
| EPS CAGR (5Y) | 6.79% | 12.74% |
| Total return CAGR (5Y) | 11.24% | 21.72% |
Frequently asked
- Which has the lower trailing P/E, ATLC or HBT?
- ATLC has the lower trailing P/E: ATLC trades at 12.12 and HBT at 15.58. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ATLC or HBT?
- Over the past five years, ATLC grew revenue faster — ATLC at a 33.60% CAGR versus HBT at 15.41%.
- Does ATLC or HBT pay a bigger dividend?
- HBT pays a dividend (2.53% yield), while ATLC is a former payer with no current dividend run rate.
- Is ATLC or HBT more profitable?
- HBT runs the higher net margin — ATLC at 9.30% versus HBT at 23.46%.
- How have ATLC and HBT total returns compared?
- Over the past 5 years, ATLC delivered 11.24% and HBT delivered 21.72% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Atlanticus & HBT Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.