HBT Financial, Inc. (HBT) vs United Fire Group, Inc. (UFCS)
A side-by-side comparison of HBT Financial, Inc. and United Fire Group, 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 — HBT vs UFCS
growth of $100 · dividends reinvested · last 7yHBT vs UFCS: by the numbers
- •UFCS is the larger company ($1.41B vs $1.32B market cap).
- •UFCS trades at the lower trailing earnings multiple (10.20 vs 15.58 P/E), one valuation lens rather than an overall verdict.
- •HBT converts more revenue to profit (23.46% vs 9.57% net margin).
- •HBT grew revenue faster over the past five years (15.41% vs 5.12% CAGR).
- •HBT pays the higher dividend yield (2.53% vs 1.39%).
Metrics side by side
Valuation
| Metric | HBT | UFCS |
|---|---|---|
| P/E ratio | 15.58 | 10.20 |
| Forward P/E | 11.95 | 11.02 |
| PEG ratio | 1.22 | N/A |
| P/S ratio | 3.98 | 0.96 |
| P/B ratio | 1.73 | 1.44 |
Profitability
| Metric | HBT | UFCS |
|---|---|---|
| Operating margin | 31.83% | 12.01% |
| Net margin | 23.46% | 9.57% |
| ROE | 10.17% | 14.42% |
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.
United Fire Group, 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 | HBT | UFCS |
|---|---|---|
| Dividend yield | 2.53% | 1.39% |
| Payout ratio | 39.48% | 14.13% |
Growth (annualized)
| Metric | HBT | UFCS |
|---|---|---|
| Revenue CAGR (5Y) | 15.41% | 5.12% |
| EPS CAGR (5Y) | 12.74% | N/A |
| Total return CAGR (5Y) | 21.72% | 21.47% |
Frequently asked
- Which has the lower trailing P/E, HBT or UFCS?
- UFCS has the lower trailing P/E: HBT trades at 15.58 and UFCS at 10.20. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HBT or UFCS?
- Over the past five years, HBT grew revenue faster — HBT at a 15.41% CAGR versus UFCS at 5.12%.
- Does HBT or UFCS pay a bigger dividend?
- HBT yields 2.53% and UFCS yields 1.39% based on trailing dividends and the latest price.
- Is HBT or UFCS more profitable?
- HBT runs the higher net margin — HBT at 23.46% versus UFCS at 9.57%.
- How have HBT and UFCS total returns compared?
- Over the past 5 years, HBT delivered 21.72% and UFCS delivered 21.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
HBT Financial & United Fire 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.