HFB Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2018	FY 2017	FY 2012	FY 2011	FY 2010
Period Ending	Jan '26 Jan 8, 2026	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017	Dec '12 Dec 31, 2012	Dec '11 Dec 31, 2011	Dec '10 Dec 31, 2010
Market Capitalization	37	38	36	22	22	25
Market Cap Growth	0.50%	3.73%	65.82%	-2.18%	-9.74%	38.29%
Last Close Price	32.25	26.06	23.81	12.04	11.36	12.33
PE Ratio	10.99	10.53	11.10	10.80	16.13	12.78
PS Ratio	2.24	2.30	2.31	1.55	1.77	1.88
PB Ratio	0.87	0.90	0.89	0.64	0.67	0.76
P/FCF Ratio	8.64	8.89	11.81	5.12	6.08	10.35
P/OCF Ratio	7.67	7.89	9.75	4.21	5.06	5.84
Debt / Equity Ratio	1.06	1.06	0.89	1.09	1.34	1.39
Debt / FCF Ratio	10.50	10.50	11.87	8.79	12.09	18.81
Net Debt / Equity Ratio	0.82	0.82	0.58	0.82	1.07	0.92
Net Debt / FCF Ratio	8.07	8.07	7.71	6.56	9.69	12.47
Return on Equity (ROE)	8.62%	8.62%	-	5.98%	4.21%	-
Return on Assets (ROA)	0.96%	0.96%	-	0.58%	0.40%	-
Earnings Yield	9.76%	9.49%	9.01%	9.26%	6.20%	7.82%
FCF Yield	11.57%	11.25%	8.47%	19.54%	16.46%	9.66%
Dividend Yield	2.54%	2.92%	3.19%	5.81%	6.16%	5.68%
Payout Ratio	25.95%	25.95%	28.59%	42.98%	62.84%	44.59%
Buyback Yield / Dilution	2.01%	1.02%	0.97%	0.57%	-0.55%	1.45%
Total Shareholder Return	4.55%	3.94%	4.16%	6.39%	5.62%	7.12%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.