SAFT vs HBT

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

Both SAFT and HBT are from the Financial Services sector.

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

SAFT vs HBT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

SAFT

$1.03B

Winner

HBT

$1.04B

Max Drawdown

Winner

SAFT

49.24%

HBT

54.31%

Sharpe Ratio

SAFT

-0.49

Winner

HBT

0.91

5Y Beta

Winner

SAFT

0.24

HBT

0.73

Industry

SAFT

Insurance - Property & Casualty

HBT

Banks - Regional

P/E Ratio

SAFT

16.26

Winner

HBT

13.33

Forward P/E

SAFT

17.12

HBT

N/A

PEG Ratio

SAFT

192.03

HBT

N/A

Dividend Yield

Winner

SAFT

5.36%

HBT

3.00%

5Y Dividends CAGR

SAFT

4.93%

Winner

HBT

7.96%

5Y EPS CAGR

SAFT

-9.89%

Winner

HBT

5.15%

Debt to Equity

SAFT

5.84%

Winner

HBT

0.00%

Free Cash Flow Yield

Winner

SAFT

16.48%

HBT

7.98%

P/S Ratio

Winner

SAFT

0.82

HBT

4.27

P/B Ratio

Winner

SAFT

1.22

HBT

1.39

SAFT vs HBT - Historical Returns

Returns include dividend reinvestment.

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

SAFT

-4.28%

Winner

HBT

+5.01%

SAFT

-5.34%

Winner

HBT

+8.48%

SAFT

-3.41%

Winner

HBT

+19.85%

SAFT

-7.24%

Winner

HBT

+29.17%

5Y(CAGR)

SAFT

+0.89%

Winner

HBT

+14.04%

10Y(CAGR)

SAFT

+6.06%

HBT

N/A

Max(CAGR)

SAFT

+11.85%

Winner

HBT

+13.79%

SAFT vs HBT - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

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

SAFT vs HBT Drawdown Comparison

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

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

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

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

Correlation

Correlation between SAFT and HBT 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)

SAFT vs HBT dividend yield comparison.

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