SAFE vs HBT

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

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

5-Year PerformanceHBT has outperformed SAFE, delivering a return of +16.0% compared to -25.9%

SAFE vs HBT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SAFE(COMPANY)	HBT(COMPANY)
Market Cap	$1.10B	$1.10B
Max Drawdown	86.48%	54.31%
Sharpe Ratio	0.24	1.14
5Y Beta	0.67	0.70
Industry	Reit - Diversified	Banks - Regional
P/E Ratio	9.66	14.10
Forward P/E	9.11	N/A
PEG Ratio	1.10	N/A
Dividend Yield	4.65%	2.84%
5Y Dividends CAGR	6.41%	7.96%
5Y EPS CAGR	N/A	5.15%
Debt to Equity	193.42%	0.00%
Free Cash Flow Yield	2.75%	7.54%
P/S Ratio	2.63	4.52
P/B Ratio	0.45	1.48

Market Cap

SAFE

$1.10B

Winner

HBT

$1.10B

Max Drawdown

SAFE

86.48%

Winner

HBT

54.31%

Sharpe Ratio

SAFE

0.24

Winner

HBT

1.14

5Y Beta

Winner

SAFE

0.67

HBT

0.70

Industry

SAFE

Reit - Diversified

HBT

Banks - Regional

P/E Ratio

Winner

SAFE

9.66

HBT

14.10

Forward P/E

SAFE

9.11

HBT

N/A

PEG Ratio

SAFE

1.10

HBT

N/A

Dividend Yield

Winner

SAFE

4.65%

HBT

2.84%

5Y Dividends CAGR

SAFE

6.41%

Winner

HBT

7.96%

5Y EPS CAGR

SAFE

N/A

HBT

5.15%

Debt to Equity

SAFE

193.42%

Winner

HBT

0.00%

Free Cash Flow Yield

SAFE

2.75%

Winner

HBT

7.54%

P/S Ratio

Winner

SAFE

2.63

HBT

4.52

P/B Ratio

Winner

SAFE

0.45

HBT

1.48

SAFE vs HBT - Historical Returns

Returns include dividend reinvestment.

Period	SAFE	HBT
1 month	+5.93%	+9.77%
3 months	+10.88%	+17.92%
6 months	+19.21%	+20.81%
1 year	+4.44%	+31.52%
5 years(CAGR)	-25.94%	+16.03%
10 years(CAGR)	+0.37%	N/A
Max(CAGR)	+0.37%	+14.92%

SAFE

+5.93%

Winner

HBT

+9.77%

SAFE

+10.88%

Winner

HBT

+17.92%

SAFE

+19.21%

Winner

HBT

+20.81%

SAFE

+4.44%

Winner

HBT

+31.52%

5Y(CAGR)

SAFE

-25.94%

Winner

HBT

+16.03%

10Y(CAGR)

SAFE

+0.37%

HBT

N/A

Max(CAGR)

SAFE

+0.37%

Winner

HBT

+14.92%

SAFE vs HBT - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	SAFE	HBT
2026	+15.43%	+23.06%
2025	-23.38%	+24.49%
2024	-19.31%	+6.49%
2023	-16.41%	+13.11%
2022	-63.51%	+8.06%
2021	+14.02%	+29.31%
2020	+85.78%	-17.25%
2019	+123.56%	+22.20%
2018	+8.25%	N/A
2017	-5.76%	N/A

SAFE vs HBT Drawdown Comparison

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

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

The current SAFE drawdown is -80.91%.

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