HBT Financial, Inc. (HBT) vs Westamerica Bancorporation (WABC)
A side-by-side comparison of HBT Financial, Inc. and Westamerica Bancorporation 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 WABC
growth of $100 · dividends reinvested · last 7yHBT vs WABC: by the numbers
- •WABC is the larger company ($1.38B vs $1.32B market cap).
- •WABC trades at the lower trailing earnings multiple (12.94 vs 15.58 P/E), one valuation lens rather than an overall verdict.
- •WABC converts more revenue to profit (41.70% vs 23.46% net margin).
- •HBT grew revenue faster over the past five years (15.41% vs 4.52% CAGR).
- •WABC pays the higher dividend yield (3.20% vs 2.53%).
Metrics side by side
Valuation
| Metric | HBT | WABC |
|---|---|---|
| P/E ratio | 15.58 | 12.94 |
| Forward P/E | 11.95 | 12.67 |
| PEG ratio | 1.22 | 1.48 |
| P/S ratio | 3.98 | 5.19 |
| P/B ratio | 1.73 | 1.62 |
Profitability
| Metric | HBT | WABC |
|---|---|---|
| Operating margin | 31.83% | 56.07% |
| Net margin | 23.46% | 41.70% |
| ROE | 10.17% | 12.99% |
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.
Westamerica Bancorporation: 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 | WABC |
|---|---|---|
| Dividend yield | 2.53% | 3.20% |
| Payout ratio | 39.48% | 41.41% |
Growth (annualized)
| Metric | HBT | WABC |
|---|---|---|
| Revenue CAGR (5Y) | 15.41% | 4.52% |
| EPS CAGR (5Y) | 12.74% | 8.74% |
| Total return CAGR (5Y) | 21.72% | 4.64% |
Frequently asked
- Which has the lower trailing P/E, HBT or WABC?
- WABC has the lower trailing P/E: HBT trades at 15.58 and WABC at 12.94. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HBT or WABC?
- Over the past five years, HBT grew revenue faster — HBT at a 15.41% CAGR versus WABC at 4.52%.
- Does HBT or WABC pay a bigger dividend?
- HBT yields 2.53% and WABC yields 3.20% based on trailing dividends and the latest price.
- Is HBT or WABC more profitable?
- WABC runs the higher net margin — HBT at 23.46% versus WABC at 41.70%.
- How have HBT and WABC total returns compared?
- Over the past 5 years, HBT delivered 21.72% and WABC delivered 4.64% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
HBT Financial & Westamerica Bancorporation 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.