📊 HBT Key Takeaways
Is HBT Financial, Inc. (HBT) a Good Investment?
While HBT demonstrates strong revenue growth of 28.6% YoY and solid operating margins of 20.9%, these gains are severely undermined by alarmingly low returns on equity (1.5%) and assets (0.2%), indicating fundamental capital inefficiency. The substandard interest coverage ratio of 0.5x compounds concerns about the company's ability to sustain profitability.
HBT shows strong top-line momentum with resilient profitability, evidenced by high operating and net margins alongside solid ROA and ROE. The balance sheet appears conservatively positioned with healthy equity and no long-term debt, and operating cash generation is robust. Watch for potential NIM pressure and credit cycle normalization that could temper earnings growth.
Why Buy HBT Financial, Inc. Stock? HBT Key Strengths
- Strong revenue growth of 28.6% YoY demonstrates market expansion
- Healthy operating margin of 20.9% and net margin of 15.6% show pricing power and cost control
- Strong free cash flow generation ($28.5M) with 39.7% FCF margin indicating cash generation capability
- Zero long-term debt provides financial flexibility and low refinancing risk
- Strong revenue growth with positive EPS and net income trends
- Healthy bank-level profitability (ROA 1.5%, ROE 12.5%) and solid cash generation
- Conservative balance sheet with solid equity relative to assets and no long-term debt
HBT Stock Risks: HBT Financial, Inc. Investment Risks
- Critically low ROE of 1.5% and ROA of 0.2% signal severe capital inefficiency and poor shareholder returns
- Interest coverage ratio of 0.5x indicates operating income cannot adequately cover interest expense obligations
- High insider trading activity (23 Form 4 filings in 90 days) may suggest management concerns about fundamentals
- Disconnect between revenue growth and equity returns suggests growth is capital-intensive without proportional profit generation
- Net interest margin compression from higher funding costs
- Credit quality deterioration increasing provisions and charge-offs
- Regulatory capital constraints potentially limiting growth or returns
Key Metrics to Watch
- ROE trajectory - must improve toward 8-10% minimum for sector viability
- ROA improvement - currently at distressed levels
- Interest coverage ratio - must exceed 1.5x to demonstrate sustainable debt servicing
- Net income growth rate relative to total asset growth
- Net interest margin (NIM)
- Nonperforming loans and net charge-offs
HBT Financial, Inc. (HBT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 39.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
HBT Profit Margin, ROE & Profitability Analysis
HBT vs Finance Sector: How HBT Financial, Inc. Compares
How HBT Financial, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is HBT Financial, Inc. Stock Overvalued? HBT Valuation Analysis 2026
Based on fundamental analysis, HBT Financial, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
HBT Financial, Inc. Balance Sheet: HBT Debt, Cash & Liquidity
HBT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: HBT Financial, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.07 reflects profitable operations.
HBT Revenue Growth, EPS Growth & YoY Performance
HBT Financial, Inc. Dividends, Buybacks & Capital Allocation
HBT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for HBT Financial, Inc. (CIK: 0000775215)
📋 Recent SEC Filings
❓ Frequently Asked Questions about HBT
What is the AI rating for HBT?
HBT Financial, Inc. (HBT) has a Combined AI Rating of HOLD from Claude (SELL) and ChatGPT (BUY) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are HBT's key strengths?
Claude: Strong revenue growth of 28.6% YoY demonstrates market expansion. Healthy operating margin of 20.9% and net margin of 15.6% show pricing power and cost control. ChatGPT: Strong revenue growth with positive EPS and net income trends. Healthy bank-level profitability (ROA 1.5%, ROE 12.5%) and solid cash generation.
What are the risks of investing in HBT?
Claude: Critically low ROE of 1.5% and ROA of 0.2% signal severe capital inefficiency and poor shareholder returns. Interest coverage ratio of 0.5x indicates operating income cannot adequately cover interest expense obligations. ChatGPT: Net interest margin compression from higher funding costs. Credit quality deterioration increasing provisions and charge-offs.
What is HBT's revenue and growth?
HBT Financial, Inc. reported revenue of $71.8M.
Does HBT pay dividends?
HBT Financial, Inc. pays dividends, with $7.3M distributed to shareholders in the trailing twelve months.
Where can I find HBT SEC filings?
Official SEC filings for HBT Financial, Inc. (CIK: 0000775215) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is HBT's EPS?
HBT Financial, Inc. has a diluted EPS of $0.34.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is HBT a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, HBT Financial, Inc. has a HOLD rating with 73% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is HBT stock overvalued or undervalued?
Valuation metrics for HBT: ROE of 1.5% (sector avg: 12%), net margin of 15.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy HBT stock in 2026?
Our dual AI analysis gives HBT Financial, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is HBT's free cash flow?
HBT Financial, Inc.'s operating cash flow is $28.5M, with capital expenditures of N/A. FCF margin is 39.7%.
How does HBT compare to other Finance stocks?
Vs Finance sector averages: Net margin 15.6% (avg: 25%), ROE 1.5% (avg: 12%), current ratio N/A (avg: 1.2).