HBT vs SAFE

Comparison between HBT Financial Inc (HBT, Company) and Safehold Inc (SAFE, Company).

HBT is from the Financial Services sector, while SAFE is from the Real Estate sector.

5-Year PerformanceHBT has outperformed SAFE, delivering a return of +15.4% compared to -26.0%

HBT vs SAFE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HBT(COMPANY)	SAFE(COMPANY)
Market Cap	$1.10B	$1.10B
Max Drawdown	54.31%	86.48%
Sharpe Ratio	1.07	0.18
5Y Beta	0.71	0.68
Industry	Banks - Regional	Reit - Diversified
P/E Ratio	14.10	9.66
Forward P/E	N/A	9.18
PEG Ratio	N/A	1.10
Dividend Yield	2.88%	4.62%
5Y Dividends CAGR	7.96%	6.41%
5Y EPS CAGR	5.15%	N/A
Debt to Equity	0.00%	193.42%
Free Cash Flow Yield	7.54%	2.75%
P/S Ratio	4.52	2.63
P/B Ratio	1.48	0.45

Market Cap

Winner

HBT

$1.10B

SAFE

$1.10B

Max Drawdown

Winner

HBT

54.31%

SAFE

86.48%

Sharpe Ratio

Winner

HBT

1.07

SAFE

0.18

5Y Beta

HBT

0.71

Winner

SAFE

0.68

Industry

HBT

Banks - Regional

SAFE

Reit - Diversified

P/E Ratio

HBT

14.10

Winner

SAFE

9.66

Forward P/E

HBT

N/A

SAFE

9.18

PEG Ratio

HBT

N/A

SAFE

1.10

Dividend Yield

HBT

2.88%

Winner

SAFE

4.62%

5Y Dividends CAGR

Winner

HBT

7.96%

SAFE

6.41%

5Y EPS CAGR

HBT

5.15%

SAFE

N/A

Debt to Equity

Winner

HBT

0.00%

SAFE

193.42%

Free Cash Flow Yield

Winner

HBT

7.54%

SAFE

2.75%

P/S Ratio

HBT

4.52

Winner

SAFE

2.63

P/B Ratio

HBT

1.48

Winner

SAFE

0.45

HBT vs SAFE - Historical Returns

Returns include dividend reinvestment.

Period	HBT	SAFE
1 month	+7.48%	+3.75%
3 months	+15.46%	+8.59%
6 months	+16.38%	+14.19%
1 year	+28.78%	+2.29%
5 years(CAGR)	+15.44%	-26.04%
10 years(CAGR)	N/A	+0.14%
Max(CAGR)	+14.57%	+0.14%

Winner

HBT

+7.48%

SAFE

+3.75%

Winner

HBT

+15.46%

SAFE

+8.59%

Winner

HBT

+16.38%

SAFE

+14.19%

Winner

HBT

+28.78%

SAFE

+2.29%

5Y(CAGR)

Winner

HBT

+15.44%

SAFE

-26.04%

10Y(CAGR)

HBT

N/A

SAFE

+0.14%

Max(CAGR)

Winner

HBT

+14.57%

SAFE

+0.14%

HBT vs SAFE - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	HBT	SAFE
2026	+20.49%	+13.05%
2025	+24.49%	-23.38%
2024	+6.49%	-19.31%
2023	+13.11%	-16.41%
2022	+8.06%	-63.51%
2021	+29.31%	+14.02%
2020	-17.25%	+85.78%
2019	+22.20%	+123.56%
2018	N/A	+8.25%
2017	N/A	-5.76%

HBT vs SAFE Drawdown Comparison

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

The maximum drawdown for SAFE was -84.72%, occurring on Nov 20, 2025. This drawdown has not yet recovered.

The current HBT drawdown is -0.36%. The current SAFE drawdown is -81.30%.

Rank	HBT	SAFE
#1	-53.94% Feb 5, 2020 - Nov 3, 2021	-84.72% Aug 5, 2021 - Nov 20, 2025
#2	-27.07% Mar 6, 2023 - Jul 16, 2024	-36.80% Mar 5, 2020 - Jun 17, 2020
#3	-18.67% Feb 6, 2025 - Jul 1, 2025	-26.78% Jun 17, 2020 - Oct 12, 2020
#4	-17.33% Feb 8, 2022 - Oct 28, 2022	-20.49% Feb 16, 2021 - Jul 12, 2021
#5	-16.45% Jul 23, 2024 - Nov 6, 2024	-19.14% Jul 21, 2017 - Jun 5, 2018
#6	-16.19% Nov 11, 2024 - Jan 30, 2025	-18.87% Jul 29, 2019 - Oct 4, 2019
#7	-13.44% Nov 10, 2022 - Feb 3, 2023	-18.30% Jul 5, 2018 - Nov 29, 2018
#8	-13.40% Aug 27, 2025 - Dec 12, 2025	-15.34% Nov 29, 2018 - Feb 22, 2019
#9	-12.01% Feb 17, 2026 - Jun 8, 2026	-9.76% Dec 5, 2019 - Jan 21, 2020
#10	-9.56% Jul 3, 2025 - Aug 22, 2025	-9.73% Oct 23, 2020 - Dec 15, 2020
#11	-8.76% Jan 11, 2022 - Feb 8, 2022	-9.32% Jun 4, 2019 - Jul 3, 2019
#12	-7.44% Nov 9, 2021 - Jan 5, 2022	-6.57% May 22, 2019 - Jun 4, 2019
#13	-7.25% Jan 22, 2026 - Feb 4, 2026	-5.41% Dec 17, 2020 - Dec 24, 2020
#14	-6.81% Dec 18, 2025 - Jan 21, 2026	-5.36% Oct 30, 2019 - Nov 13, 2019
#15	-5.34% Nov 4, 2022 - Nov 10, 2022	-5.29% Jan 26, 2021 - Feb 5, 2021