HBANL
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | ||||
| Price to Sales | 5.00 | 4.70 | ||
| Book Value Per Common Share | 13.58 | 13.36 | 12.29 | 13.42 |
| Price to Book | 1.87 | 1.77 | ||
| Price to Operating Cash Flow | 20.35 | 12.92 | ||
| Price to Free Cash Flow | 22.10 | 13.64 | ||
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Price to Earnings | ||||||
| Price to Sales | 17.48 | 18.60 | 19.42 | 18.91 | 19.99 | |
| Book Value Per Common Share | 15.24 | 14.35 | 14.03 | 13.58 | 14.18 | 13.36 |
| Price to Book | 1.68 | 1.72 | 1.83 | 1.87 | 1.82 | |
| Price to Operating Cash Flow | 76.60 | 65.06 | 72.71 | 24.89 | -646.37 | |
| Price to Free Cash Flow | 83.64 | 72.10 | 81.24 | 25.36 | -374.85 | |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | ||||
| Revenue YoY | 1.12 | 0.68 | 21.08 | |
| EBITDA YoY | ||||
| Net Profit YoY | -0.88 | -14.49 | 84.30 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Earning YoY | ||||||
| Revenue YoY | 10.11 | 0.94 | -1.74 | 4.27 | 744.14 | |
| EBITDA YoY | ||||||
| Net Profit YoY | 18.27 | 1.80 | 0.40 | 3.53 | -9.59 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 9.32 | 8.76 | 9.29 | 8.01 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Cash Per Common Share | 1.58 | |||||
| Quick Ratio | ||||||
| Current Ratio | ||||||
| Debt to Equity | 8.43 | 8.91 | 9.23 | 9.32 | 8.71 | 8.25 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 0.88 | 0.96 | 1.16 | 0.66 |
| ROE | 9.10 | 9.37 | 11.96 | 5.97 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 24.39 | 24.88 | 29.29 | 19.25 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| ROA | 0.29 | 0.25 | 0.24 | 0.24 | 0.24 | 0.42 |
| ROE | 2.70 | 2.43 | 2.44 | 2.52 | 2.33 | 3.91 |
| Gross Margin | 72.97 | |||||
| Operating Margin | 331.98 | |||||
| EBITDA Margin | 363.96 | |||||
| Net Profit Margin | 28.21 | 26.26 | 26.04 | 25.49 | 25.67 | 239.64 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | ||
| Dividend Payout Ratio | 58.08 | 56.91 | 47.53 | 77.02 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Dividend Payout Ratio | 42.19 | 49.90 | 50.60 | 52.61 | 54.47 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 204,230,000.00 | 189,368,000.00 | 182,906,000.00 | 174,064,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 13,332,000.00 | 10,323,000.00 | 6,918,000.00 | 5,914,000.00 |
| Short-Term Investments | 3,879,000.00 | 3,373,000.00 | 511,000.00 | 374,000.00 |
| Net Receivables | 7,580,000.00 | 6,826,000.00 | 6,773,000.00 | 6,275,000.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,066,000.00 | 1,109,000.00 | 1,156,000.00 | 1,164,000.00 |
| Goodwill | 5,561,000.00 | 5,561,000.00 | 5,571,000.00 | 5,349,000.00 |
| Intangible Assets | 677,000.00 | 672,000.00 | 712,000.00 | 611,000.00 |
| Long-Term Investments | 43,750,000.00 | 41,229,000.00 | 40,536,000.00 | 41,037,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 184,448,000.00 | 169,970,000.00 | 165,137,000.00 | 154,746,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 57,000.00 | 2,000.00 | 1,774,000.00 | 14,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 16,374,000.00 | 12,394,000.00 | 9,686,000.00 | 7,108,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 19,782,000.00 | 19,398,000.00 | 17,769,000.00 | 19,318,000.00 |
| Shareholders Equity | 19,740,000.00 | 19,353,000.00 | 17,731,000.00 | 19,297,000.00 |
| Capital Stock | 2,004,000.00 | 2,409,000.00 | 2,181,000.00 | 2,181,000.00 |
| Share Premium | 15,484,000.00 | 15,389,000.00 | 15,309,000.00 | 15,222,000.00 |
| Retained Earnings | 5,204,000.00 | 4,322,000.00 | 3,419,000.00 | 2,202,000.00 |
| Treasury Shares | 86,000.00 | 91,000.00 | 80,000.00 | 79,000.00 |
| Accumulated Other Comprehensive Income | -2,866,000.00 | -2,676,000.00 | -3,098,000.00 | -229,000.00 |
| Minority Interest | 42,000.00 | 45,000.00 | 38,000.00 | 21,000.00 |
| Debt | 16,431,000.00 | 12,396,000.00 | 11,460,000.00 | 7,122,000.00 |
| Net Debt | 3,099,000.00 | 2,073,000.00 | 4,542,000.00 | 1,208,000.00 |
| Common Shares Outstanding | 1,453,635.81 | 1,448,319.95 | 1,443,068.04 | 1,437,742.17 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 7,385,000.00 | 7,303,000.00 | 7,254,000.00 | 5,991,000.00 |
| Interest Income | 9,921,000.00 | 8,916,000.00 | 5,969,000.00 | 4,191,000.00 |
| Interest Expense | 4,576,000.00 | 3,477,000.00 | 696,000.00 | 89,000.00 |
| Non-Interest Expense | 4,500,000.00 | 4,497,000.00 | 4,103,000.00 | 4,286,000.00 |
| Selling, General and Administrative Expenses | 2,931,000.00 | 2,946,000.00 | 2,559,000.00 | 2,475,000.00 |
| EBT | 2,403,000.00 | 2,384,000.00 | 2,764,000.00 | 1,591,000.00 |
| Income Tax | 443,000.00 | 413,000.00 | 515,000.00 | 294,000.00 |
| Net Income Including Non-Controlling Interests | 1,960,000.00 | 1,971,000.00 | 2,249,000.00 | 1,297,000.00 |
| Net Income Non-Controlling Interests | -20,000.00 | -20,000.00 | -11,000.00 | -2,000.00 |
| Net Income | 1,801,000.00 | 1,817,000.00 | 2,125,000.00 | 1,153,000.00 |
| Deprecation and Amortization | 622,000.00 | 798,000.00 | 484,000.00 | 391,000.00 |
| EPS | 0 | 0 | 0 | 0 |
| Average Shares Outstanding Basic | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 1,815,000.00 | 2,657,000.00 | 4,027,000.00 | 2,062,000.00 |
| Operating Net Income | 1,960,000.00 | 1,971,000.00 | 2,249,000.00 | 1,297,000.00 |
| Deprecation and Amortization | 622,000.00 | 798,000.00 | 484,000.00 | 391,000.00 |
| Deferred Income Tax | -26,000.00 | -302,000.00 | 319,000.00 | -76,000.00 |
| Share Based Compensation | 106,000.00 | 97,000.00 | 105,000.00 | 129,000.00 |
| Change in Working Capital | -1,260,000.00 | -339,000.00 | 570,000.00 | 353,000.00 |
| Other Operating Activities | 413,000.00 | 432,000.00 | 300,000.00 | -32,000.00 |
| Investing Cash Flow | -12,119,000.00 | -2,997,000.00 | -11,609,000.00 | -3,962,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | 1,626,000.00 | 1,751,000.00 | 1,668,000.00 | 808,000.00 |
| Net Purchase/Sale of Investments Net | -2,790,000.00 | -113,000.00 | -3,687,000.00 | -7,423,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | -223,000.00 | -152,000.00 |
| Other Investing Activities | -10,955,000.00 | -4,635,000.00 | -9,367,000.00 | 2,805,000.00 |
| Financing Cash Flow | 13,022,000.00 | 3,765,000.00 | 8,764,000.00 | 827,000.00 |
| Net Issuance/Repayment of Debt | 3,316,000.00 | 1,294,000.00 | 5,148,000.00 | -3,874,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 235,000.00 | 0 | -864,000.00 |
| Dividends Paid | -1,046,000.00 | -1,034,000.00 | -1,010,000.00 | -888,000.00 |
| Other Financing Activities | 0 | 3,270,000.00 | 4,626,000.00 | 6,453,000.00 |
| Net Change in Cash | 2,718,000.00 | 3,425,000.00 | 1,182,000.00 | -1,073,000.00 |
| Cash at Beginning of Period | 10,129,000.00 | 6,704,000.00 | 5,522,000.00 | 6,595,000.00 |
| Cash at End of Period | 12,847,000.00 | 10,129,000.00 | 6,704,000.00 | 5,522,000.00 |
| Free Cash Flow | 1,672,000.00 | 2,517,000.00 | 3,813,000.00 | 1,815,000.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Assets | 210,228,000.00 | 207,742,000.00 | 209,596,000.00 | 204,230,000.00 | 200,535,000.00 | 125,768,000.00 |
| Deposits | 0 | 0 | 0 | 0 | 0 | 102,184,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 1,610,000.00 |
| Cash and Cash Equivalents | 13,232,000.00 | 10,947,000.00 | 15,928,000.00 | 13,332,000.00 | 12,840,000.00 | 1,148,000.00 |
| Short-Term Investments | 2,500,000.00 | 4,054,000.00 | 3,272,000.00 | 3,879,000.00 | 5,184,000.00 | 462,000.00 |
| Net Receivables | 7,269,000.00 | 7,128,000.00 | 7,107,000.00 | 7,580,000.00 | 6,924,000.00 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,112,000.00 | 1,104,000.00 | 1,085,000.00 | 1,066,000.00 | 1,093,000.00 | 747,000.00 |
| Goodwill | 5,547,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 1,990,000.00 |
| Intangible Assets | 644,000.00 | 647,000.00 | 656,000.00 | 677,000.00 | 633,000.00 | 0 |
| Long-Term Investments | 41,821,000.00 | 44,831,000.00 | 44,685,000.00 | 43,750,000.00 | 44,691,000.00 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 187,942,000.00 | 186,772,000.00 | 189,110,000.00 | 184,448,000.00 | 179,883,000.00 | 112,168,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 108,000.00 | 445,000.00 | 532,000.00 | 57,000.00 | 726,000.00 | 219,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 17,315,000.00 | 17,467,000.00 | 18,096,000.00 | 16,374,000.00 | 15,656,000.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 22,286,000.00 | 20,970,000.00 | 20,486,000.00 | 19,782,000.00 | 20,652,000.00 | 13,600,000.00 |
| Shareholders Equity | 22,248,000.00 | 20,928,000.00 | 20,434,000.00 | 19,740,000.00 | 20,606,000.00 | 13,600,000.00 |
| Capital Stock | 2,746,000.00 | 2,004,000.00 | 2,004,000.00 | 2,004,000.00 | 2,409,000.00 | 2,686,000.00 |
| Share Premium | 15,537,000.00 | 15,506,000.00 | 15,479,000.00 | 15,484,000.00 | 15,455,000.00 | 8,806,000.00 |
| Retained Earnings | 6,123,000.00 | 5,751,000.00 | 5,474,000.00 | 5,204,000.00 | 4,935,000.00 | 2,223,000.00 |
| Treasury Shares | 87,000.00 | 87,000.00 | 90,000.00 | 86,000.00 | 89,000.00 | -59,000.00 |
| Accumulated Other Comprehensive Income | -2,071,000.00 | -2,246,000.00 | -2,433,000.00 | -2,866,000.00 | -2,104,000.00 | -56,000.00 |
| Minority Interest | 38,000.00 | 42,000.00 | 52,000.00 | 42,000.00 | 46,000.00 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 27,652,000.00 |
| Debt | 17,423,000.00 | 17,912,000.00 | 18,628,000.00 | 16,431,000.00 | 16,382,000.00 | 7,429,000.00 |
| Net Debt | 4,191,000.00 | 6,965,000.00 | 2,700,000.00 | 3,099,000.00 | 3,542,000.00 | 5,819,000.00 |
| Common Shares Outstanding | 1,459,390.76 | 1,458,800.04 | 1,456,811.62 | 1,453,635.81 | 1,452,811.39 | 1,018,052.92 |
| Preferred Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 1,250.50 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Revenues | 2,134,000.00 | 1,938,000.00 | 1,920,000.00 | 1,954,000.00 | 1,874,000.00 | 222,000.00 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 60,000.00 |
| Interest Income | 2,600,000.00 | 2,556,000.00 | 2,489,000.00 | 2,510,000.00 | 2,555,000.00 | 880,000.00 |
| Interest Expense | 1,094,000.00 | 1,089,000.00 | 1,063,000.00 | 1,115,000.00 | 1,204,000.00 | 103,000.00 |
| Net Interest | 0 | 0 | 0 | 0 | 0 | 972,000.00 |
| Non-Interest Income | 0 | 0 | 0 | 0 | 0 | 395,000.00 |
| Non-Interest Expense | 1,231,000.00 | 1,184,000.00 | 1,137,000.00 | 1,163,000.00 | 1,115,000.00 | -1,586,000.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 60,000.00 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 162,000.00 |
| Selling, General and Administrative Expenses | 800,000.00 | 770,000.00 | 737,000.00 | 763,000.00 | 732,000.00 | 188,000.00 |
| EBT | 766,000.00 | 638,000.00 | 653,000.00 | 669,000.00 | 638,000.00 | 634,000.00 |
| Income Tax | 133,000.00 | 96,000.00 | 122,000.00 | 135,000.00 | 116,000.00 | 102,000.00 |
| Net Income Including Non-Controlling Interests | 633,000.00 | 542,000.00 | 531,000.00 | 534,000.00 | 522,000.00 | 0 |
| Net Income Non-Controlling Interests | -4,000.00 | -6,000.00 | -4,000.00 | -4,000.00 | -5,000.00 | 0 |
| Net Income | 602,000.00 | 509,000.00 | 500,000.00 | 498,000.00 | 481,000.00 | 532,000.00 |
| EBIT | 0 | 0 | 0 | 0 | 0 | 737,000.00 |
| Deprecation and Amortization | 175,000.00 | 188,000.00 | 209,000.00 | 130,000.00 | 132,000.00 | 71,000.00 |
| EBITDA | 0 | 0 | 0 | 0 | 0 | 808,000.00 |
| EPS | 0 | 0 | 0 | 0 | 0 | 0.00 |
| Diluted EPS | 0 | 0 | 0 | 0 | 0 | 0.00 |
| Average Shares Outstanding Basic | 0 | 0 | 0 | 0 | 0 | 1,017,512.00 |
| Average Shares Outstanding Diluted | 0 | 0 | 0 | 0 | 0 | 1,041,003.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2021-03-31 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 487,000.00 | 554,000.00 | 513,000.00 | 1,484,000.00 | -58,000.00 | -111,000.00 |
| Operating Net Income | 633,000.00 | 542,000.00 | 531,000.00 | 534,000.00 | 522,000.00 | 532,000.00 |
| Deprecation and Amortization | 175,000.00 | 188,000.00 | 209,000.00 | 130,000.00 | 132,000.00 | 71,000.00 |
| Deferred Income Tax | -94,000.00 | -148,000.00 | -25,000.00 | 29,000.00 | -28,000.00 | 61,000.00 |
| Share Based Compensation | 31,000.00 | 32,000.00 | 21,000.00 | 25,000.00 | 28,000.00 | 28,000.00 |
| Change in Working Capital | -311,000.00 | -200,000.00 | -342,000.00 | 673,000.00 | -823,000.00 | 11,000.00 |
| Other Operating Activities | 53,000.00 | 140,000.00 | 119,000.00 | 93,000.00 | 111,000.00 | -814,000.00 |
| Investing Cash Flow | -266,000.00 | -2,495,000.00 | -2,150,000.00 | -4,784,000.00 | -2,881,000.00 | -376,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 | -22,000.00 |
| Net Purchase/Sale of PPE | -781,000.00 | 686,000.00 | -54,000.00 | 1,742,000.00 | -938,000.00 | -22,000.00 |
| Net Purchase/Sale of Investments Net | 2,869,000.00 | 89,000.00 | -97,000.00 | -246,000.00 | -743,000.00 | 2,832,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 0 | 0 | 0 | 0 | ||
| Other Investing Activities | -2,354,000.00 | -3,270,000.00 | -1,999,000.00 | -6,280,000.00 | -1,200,000.00 | -4,458,000.00 |
| Financing Cash Flow | 2,158,000.00 | -3,010,000.00 | 4,100,000.00 | 3,562,000.00 | 2,978,000.00 | 2,481,000.00 |
| Net Issuance/Repayment of Debt | -150,000.00 | -766,000.00 | 1,493,000.00 | 147,000.00 | -737,000.00 | -1,047,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | -410,000.00 | 0 | 485,000.00 |
| Dividends Paid | -254,000.00 | -254,000.00 | -253,000.00 | -262,000.00 | -262,000.00 | 188,000.00 |
| Other Financing Activities | 0 | 0 | 0 | 4,087,000.00 | 3,977,000.00 | 2,855,000.00 |
| Net Change in Cash | 2,379,000.00 | -4,951,000.00 | 2,463,000.00 | 262,000.00 | 39,000.00 | 1,994,000.00 |
| Cash at Beginning of Period | 10,359,000.00 | 15,310,000.00 | 12,847,000.00 | 12,585,000.00 | 12,546,000.00 | 6,595,000.00 |
| Cash at End of Period | 12,738,000.00 | 10,359,000.00 | 15,310,000.00 | 12,847,000.00 | 12,585,000.00 | 8,589,000.00 |
| Free Cash Flow | 446,000.00 | 500,000.00 | 459,000.00 | 1,457,000.00 | -100,000.00 | -133,000.00 |