HBT vs ACVA

Comparison between HBT Financial Inc (HBT, Company) and ACV Auctions Inc - Class A (ACVA, Company).

HBT is from the Financial Services sector, while ACVA is from the Consumer Cyclical sector.

5-Year PerformanceHBT has outperformed ACVA, delivering a return of +14.0% compared to -26.4%

HBT vs ACVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HBT(COMPANY)	ACVA(COMPANY)
Market Cap	$1.04B	$1.05B
Max Drawdown	54.31%	88.80%
Sharpe Ratio	0.91	-1.14
5Y Beta	0.73	1.44
Industry	Banks - Regional	Auto & Truck Dealerships
P/E Ratio	13.33	-16.64
Forward P/E	N/A	32.68
Dividend Yield	3.00%	N/A
5Y Dividends CAGR	7.96%	N/A
5Y EPS CAGR	5.15%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	7.98%	7.51%
P/S Ratio	4.27	1.41
P/B Ratio	1.39	2.56

Market Cap

HBT

$1.04B

Winner

ACVA

$1.05B

Max Drawdown

Winner

HBT

54.31%

ACVA

88.80%

Sharpe Ratio

Winner

HBT

0.91

ACVA

-1.14

5Y Beta

Winner

HBT

0.73

ACVA

1.44

Industry

HBT

Banks - Regional

ACVA

Auto & Truck Dealerships

P/E Ratio

HBT

13.33

Winner

ACVA

-16.64

Forward P/E

HBT

N/A

ACVA

32.68

Dividend Yield

HBT

3.00%

ACVA

N/A

5Y Dividends CAGR

HBT

7.96%

ACVA

N/A

5Y EPS CAGR

HBT

5.15%

ACVA

N/A

Debt to Equity

HBT

0.00%

ACVA

0.00%

Free Cash Flow Yield

Winner

HBT

7.98%

ACVA

7.51%

P/S Ratio

HBT

4.27

Winner

ACVA

1.41

P/B Ratio

Winner

HBT

1.39

ACVA

2.56

HBT vs ACVA - Historical Returns

Returns include dividend reinvestment.

Period	HBT	ACVA
1 month	+5.01%	+4.81%
3 months	+8.48%	+4.62%
6 months	+19.85%	-30.55%
1 year	+29.17%	-65.30%
5 years(CAGR)	+14.04%	-26.39%
Max(CAGR)	+13.79%	-28.01%

Winner

HBT

+5.01%

ACVA

+4.81%

Winner

HBT

+8.48%

ACVA

+4.62%

Winner

HBT

+19.85%

ACVA

-30.55%

Winner

HBT

+29.17%

ACVA

-65.30%

5Y(CAGR)

Winner

HBT

+14.04%

ACVA

-26.39%

Max(CAGR)

Winner

HBT

+13.79%

ACVA

-28.01%

HBT vs ACVA - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	HBT	ACVA
2026	+14.45%	-31.72%
2025	+24.49%	-61.70%
2024	+6.49%	+45.06%
2023	+13.11%	+91.05%
2022	+8.06%	-57.46%
2021	+29.31%	-39.71%
2020	-17.25%	N/A
2019	+22.20%	N/A

HBT vs ACVA Drawdown Comparison

The maximum drawdown for HBT was -53.94%, occurring on Mar 23, 2020. Recovery took 441 trading sessions.

The maximum drawdown for ACVA was -88.80%, occurring on Mar 27, 2026. This drawdown has not yet recovered.

The current HBT drawdown is -0.40%. The current ACVA drawdown is -84.72%.

Rank	HBT	ACVA
#1	-53.94% Feb 5, 2020 - Nov 3, 2021	-88.80% Apr 16, 2021 - Mar 27, 2026
#2	-27.07% Mar 6, 2023 - Jul 16, 2024	-11.38% Mar 31, 2021 - Apr 14, 2021
#3	-18.67% Feb 6, 2025 - Jul 1, 2025	-4.00% Mar 24, 2021 - Mar 29, 2021
#4	-17.33% Feb 8, 2022 - Oct 28, 2022	N/A
#5	-16.45% Jul 23, 2024 - Nov 6, 2024	N/A
#6	-16.19% Nov 11, 2024 - Jan 30, 2025	N/A
#7	-13.44% Nov 10, 2022 - Feb 3, 2023	N/A
#8	-13.40% Aug 27, 2025 - Dec 12, 2025	N/A
#9	-12.01% Feb 17, 2026 - Mar 18, 2026	N/A
#10	-9.56% Jul 3, 2025 - Aug 22, 2025	N/A
#11	-8.76% Jan 11, 2022 - Feb 8, 2022	N/A
#12	-7.44% Nov 9, 2021 - Jan 5, 2022	N/A
#13	-7.25% Jan 22, 2026 - Feb 4, 2026	N/A
#14	-6.81% Dec 18, 2025 - Jan 21, 2026	N/A
#15	-5.34% Nov 4, 2022 - Nov 10, 2022	N/A

Correlation

Correlation between HBT and ACVA is -0.46 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.46

-101