📊 HBT Key Takeaways
Is HBT a Good Investment? Thesis Analysis
HBT Financial demonstrates strong fundamental profitability with 40.9% operating margin, 30.1% net margin, and zero long-term debt, indicating a healthy balance sheet. However, net income growth of 7.3% significantly lags revenue growth of 28.6%, suggesting margin compression that warrants close monitoring despite solid current financial metrics.
Why Buy HBT? Key Strengths
- Excellent profitability ratios: 40.9% operating margin and 30.1% net margin
- Zero long-term debt with Debt/Equity ratio of 0.00x provides financial flexibility
- Strong free cash flow generation at $85.1M with 33.3% FCF margin
HBT Investment Risks to Consider
- Net income growth (+7.3% YoY) significantly underperforming revenue growth (+28.6% YoY) indicates margin compression
- ROA of 1.5% reflects moderate asset efficiency, limiting return generation on large $5.1B asset base
- 21 Form 4 filings in 90-day period suggests elevated insider activity requiring clarification on motivations
Key Metrics to Watch
- Net interest margin trends and loan loss provision rates to explain revenue-income divergence
- Asset quality indicators and non-performing loan ratios affecting future profitability
- Operating efficiency ratio trajectory to monitor if margin compression stabilizes or reverses
HBT Financial Metrics
💡 AI Analyst Insight
The 33.3% 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 Profitability Ratios
HBT vs Finance Sector
How HBT Financial, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is HBT Overvalued or Undervalued?
Based on fundamental analysis, HBT Financial, Inc. appears fundamentally strong 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 Balance Sheet & Liquidity
HBT 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
HBT Capital Allocation
HBT SEC 10-K & 10-Q Filing 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 an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are HBT's key strengths?
Claude: Excellent profitability ratios: 40.9% operating margin and 30.1% net margin. Zero long-term debt with Debt/Equity ratio of 0.00x provides financial flexibility.
What are the risks of investing in HBT?
Claude: Net income growth (+7.3% YoY) significantly underperforming revenue growth (+28.6% YoY) indicates margin compression. ROA of 1.5% reflects moderate asset efficiency, limiting return generation on large $5.1B asset base.
What is HBT's revenue and growth?
HBT Financial, Inc. reported revenue of $255.8M.
Does HBT pay dividends?
HBT Financial, Inc. pays dividends, with $26.6M 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 $2.44.
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 April 2026, HBT Financial, Inc. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is HBT stock overvalued or undervalued?
Valuation metrics for HBT: ROE of 12.5% (sector avg: 12%), net margin of 30.1% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy HBT stock in 2026?
Our dual AI analysis gives HBT Financial, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is HBT's free cash flow?
HBT Financial, Inc.'s operating cash flow is $85.1M, with capital expenditures of N/A. FCF margin is 33.3%.
How does HBT compare to other Finance stocks?
Vs Finance sector averages: Net margin 30.1% (avg: 25%), ROE 12.5% (avg: 12%), current ratio N/A (avg: 1.2).