HBT vs SAFT

Comparison between HBT Financial Inc (HBT, Company) and Safety Insurance Group Inc (SAFT, Company).

Both HBT and SAFT are from the Financial Services sector.

5-Year PerformanceHBT has outperformed SAFT, delivering a return of +14.0% compared to +0.9%

HBT vs SAFT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HBT(COMPANY)	SAFT(COMPANY)
Market Cap	$1.04B	$1.03B
Max Drawdown	54.31%	49.24%
Sharpe Ratio	0.91	-0.49
5Y Beta	0.73	0.24
Industry	Banks - Regional	Insurance - Property & Casualty
P/E Ratio	13.33	16.26
Forward P/E	N/A	17.12
PEG Ratio	N/A	192.03
Dividend Yield	3.00%	5.36%
5Y Dividends CAGR	7.96%	4.93%
5Y EPS CAGR	5.15%	-9.89%
Debt to Equity	0.00%	5.84%
Free Cash Flow Yield	7.98%	16.48%
P/S Ratio	4.27	0.82
P/B Ratio	1.39	1.22

Market Cap

Winner

HBT

$1.04B

SAFT

$1.03B

Max Drawdown

HBT

54.31%

Winner

SAFT

49.24%

Sharpe Ratio

Winner

HBT

0.91

SAFT

-0.49

5Y Beta

HBT

0.73

Winner

SAFT

0.24

Industry

HBT

Banks - Regional

SAFT

Insurance - Property & Casualty

P/E Ratio

Winner

HBT

13.33

SAFT

16.26

Forward P/E

HBT

N/A

SAFT

17.12

PEG Ratio

HBT

N/A

SAFT

192.03

Dividend Yield

HBT

3.00%

Winner

SAFT

5.36%

5Y Dividends CAGR

Winner

HBT

7.96%

SAFT

4.93%

5Y EPS CAGR

Winner

HBT

5.15%

SAFT

-9.89%

Debt to Equity

Winner

HBT

0.00%

SAFT

5.84%

Free Cash Flow Yield

HBT

7.98%

Winner

SAFT

16.48%

P/S Ratio

HBT

4.27

Winner

SAFT

0.82

P/B Ratio

HBT

1.39

Winner

SAFT

1.22

HBT vs SAFT - Historical Returns

Returns include dividend reinvestment.

Period	HBT	SAFT
1 month	+5.01%	-4.28%
3 months	+8.48%	-5.34%
6 months	+19.85%	-3.41%
1 year	+29.17%	-7.24%
5 years(CAGR)	+14.04%	+0.89%
10 years(CAGR)	N/A	+6.06%
Max(CAGR)	+13.79%	+11.85%

Winner

HBT

+5.01%

SAFT

-4.28%

Winner

HBT

+8.48%

SAFT

-5.34%

Winner

HBT

+19.85%

SAFT

-3.41%

Winner

HBT

+29.17%

SAFT

-7.24%

5Y(CAGR)

Winner

HBT

+14.04%

SAFT

+0.89%

10Y(CAGR)

HBT

N/A

SAFT

+6.06%

Max(CAGR)

Winner

HBT

+13.79%

SAFT

+11.85%

HBT vs SAFT - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	HBT	SAFT
2026	+14.45%	-4.83%
2025	+24.49%	-1.01%
2024	+6.49%	+11.86%
2023	+13.11%	-7.84%
2022	+8.06%	+3.57%
2021	+29.31%	+14.07%
2020	-17.25%	-11.91%
2019	+22.20%	+18.51%
2018	N/A	+8.22%
2017	N/A	+13.99%
2016	N/A	+37.26%
2015	N/A	-6.33%
2014	N/A	+20.88%
2013	N/A	+25.76%
2012	N/A	+17.94%
2011	N/A	-14.14%
2010	N/A	+34.74%
2009	N/A	-0.85%
2008	N/A	+9.67%
2007	N/A	-25.51%
2006	N/A	+29.48%
2005	N/A	+31.84%
2004	N/A	+87.90%
2003	N/A	+22.75%
2002	N/A	+11.47%

HBT vs SAFT Drawdown Comparison

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

The maximum drawdown for SAFT was -44.00%, occurring on Mar 11, 2009. Recovery took 1070 trading sessions.

The current HBT drawdown is -0.40%. The current SAFT drawdown is -15.13%.

Rank	HBT	SAFT
#1	-53.94% Feb 5, 2020 - Nov 3, 2021	-44.00% Aug 7, 2006 - Nov 4, 2010
#2	-27.07% Mar 6, 2023 - Jul 16, 2024	-33.21% Mar 2, 2005 - Nov 7, 2005
#3	-18.67% Feb 6, 2025 - Jul 1, 2025	-32.78% Sep 25, 2019 - Apr 1, 2022
#4	-17.33% Feb 8, 2022 - Oct 28, 2022	-30.45% Jul 1, 2022 - Jul 18, 2023
#5	-16.45% Jul 23, 2024 - Nov 6, 2024	-24.77% Jan 26, 2011 - Aug 17, 2012
#6	-16.19% Nov 11, 2024 - Jan 30, 2025	-20.46% Feb 5, 2015 - Jun 21, 2016
#7	-13.44% Nov 10, 2022 - Feb 3, 2023	-19.58% Sep 6, 2018 - Jun 18, 2019
#8	-13.40% Aug 27, 2025 - Dec 12, 2025	-16.08% Apr 28, 2004 - Aug 16, 2004
#9	-12.01% Feb 17, 2026 - Mar 18, 2026	-14.29% Dec 12, 2005 - Mar 13, 2006
#10	-9.56% Jul 3, 2025 - Aug 22, 2025	-14.01% Dec 30, 2002 - Jun 16, 2003
#11	-8.76% Jan 11, 2022 - Feb 8, 2022	-12.60% Dec 1, 2017 - May 9, 2018
#12	-7.44% Nov 9, 2021 - Jan 5, 2022	-11.90% Mar 20, 2006 - May 9, 2006
#13	-7.25% Jan 22, 2026 - Feb 4, 2026	-11.67% Feb 26, 2004 - Apr 2, 2004
#14	-6.81% Dec 18, 2025 - Jan 21, 2026	-11.43% May 15, 2006 - Jul 18, 2006
#15	-5.34% Nov 4, 2022 - Nov 10, 2022	-10.49% Jan 21, 2014 - Aug 28, 2014

Correlation

Correlation between HBT and SAFT is 0.63 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.63

-101

Dividend Comparison (2003 - 2026)

HBT vs SAFT dividend yield comparison.

Year	HBT	SAFT
2026	1.59%	2.62%
2025	3.25%	4.67%
2024	3.47%	4.37%
2023	3.22%	4.74%
2022	3.27%	4.27%
2021	3.20%	4.23%
2020	3.96%	4.62%
2019	0.00%	3.67%
2018	0.00%	3.91%
2017	0.00%	3.73%
2016	0.00%	3.80%
2015	0.00%	4.97%
2014	0.00%	4.06%
2013	0.00%	4.26%
2012	0.00%	4.76%
2011	0.00%	4.94%
2010	0.00%	3.77%
2009	0.00%	4.42%
2008	0.00%	4.20%
2007	0.00%	3.55%
2006	0.00%	1.70%
2005	0.00%	1.49%
2004	0.00%	1.40%
2003	0.00%	1.99%