AI Verdict
HBT has stronger fundamentals based on our AI analysis.
HBT vs HBNC Fundamental Comparison
| Metric | HBT | HBNC |
|---|---|---|
| Revenue | $255.8M | $362.8M |
| Net Income | $77.0M | $-150.5M |
| Net Margin | 30.1% | -41.5% |
| ROE | 12.5% | -21.9% |
| ROA | 1.5% | -2.3% |
| Current Ratio | N/A | N/A |
| Debt/Equity | 0.00x | 0.36x |
| EPS | $2.44 | $-3.24 |
Green = Better metric | Red = Weaker metric
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HBT vs HBNC: Frequently Asked Questions
Is HBT or HBNC a better buy in 2026?
Based on dual AI fundamental analysis (Claude and ChatGPT), HBT has stronger fundamentals. HBT is rated BUY (72% confidence) while HBNC is rated STRONG SELL (82% confidence). This is not investment advice.
How does HBT compare to HBNC fundamentally?
HBT Financial, Inc. has ROE of 12.5% vs HORIZON BANCORP INC /IN/'s -21.9%. Net margins are 30.1% vs -41.5% respectively.
Which stock pays higher dividends, HBT or HBNC?
HBT has a dividend yield of N/A or no dividend while HBNC has N/A or no dividend. Check individual stock pages for detailed dividend history and payout ratios.
Should I invest in HBT or HBNC for long term?
For long-term investing, consider that HBT has BUY rating with 72% confidence, while HBNC has STRONG SELL rating with 82% confidence. Higher confidence indicates more consistent fundamentals from SEC filings. This is not investment advice - always do your own research.
What do the AI models say about HBT vs HBNC?
Our dual AI system (Claude by Anthropic and ChatGPT by OpenAI) analyzes SEC 10-K and 10-Q filings independently. For HBT vs HBNC, the AI consensus favors HBT based on fundamental metrics including revenue growth, profitability, ROE, and balance sheet strength.