HBT Financial, Inc. (HBT) vs Jefferson Capital, Inc. Common Stock (JCAP)
A side-by-side comparison of HBT Financial, Inc. and Jefferson Capital, Inc. Common Stock 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 — HBT vs JCAP
growth of $100 · dividends reinvested · last 1yHBT vs JCAP: by the numbers
- •HBT is the larger company ($1.32B vs $1.22B market cap).
- •JCAP grew revenue faster over the past five years (54.92% vs 15.41% CAGR).
- •JCAP pays the higher dividend yield (4.88% vs 2.53%).
Metrics side by side
Valuation
| Metric | HBT | JCAP |
|---|---|---|
| P/E ratio | 15.58 | N/A |
| Forward P/E | 11.95 | 6.69 |
| PEG ratio | 1.22 | N/A |
| P/S ratio | 3.98 | 1.86 |
| P/B ratio | 1.73 | 2.57 |
Profitability
| Metric | HBT | JCAP |
|---|---|---|
| Operating margin | 31.83% | 51.61% |
| Net margin | 23.46% | 23.50% |
| ROE | 10.17% | 32.55% |
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.
Jefferson Capital, Inc. Common Stock: 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 | HBT | JCAP |
|---|---|---|
| Dividend yield | 2.53% | 4.88% |
| Payout ratio | 39.48% | N/A |
Growth (annualized)
| Metric | HBT | JCAP |
|---|---|---|
| Revenue CAGR (5Y) | 15.41% | 54.92% |
| EPS CAGR (5Y) | 12.74% | 20.35% |
| Total return CAGR (5Y) | 21.72% | N/A |
Frequently asked
- Which has grown faster, HBT or JCAP?
- Over the past five years, JCAP grew revenue faster — HBT at a 15.41% CAGR versus JCAP at 54.92%.
- Does HBT or JCAP pay a bigger dividend?
- HBT yields 2.53% and JCAP yields 4.88% based on trailing dividends and the latest price.
Go deeper
Dig into the metrics
HBT Financial & Jefferson Capital, Inc. Common Stock 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.