📊 HBT Key Takeaways
Is HBT Financial, Inc. (HBT) a Good Investment?
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.
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
- 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
- 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
- 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
- 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
- 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
- Net interest margin (NIM)
- Nonperforming loans and net charge-offs
HBT Financial, Inc. (HBT) Financial Metrics & Key Ratios
💡 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 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. 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 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 BUY from Claude (BUY) and ChatGPT (BUY) with 73% combined 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. 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: 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. 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 $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 73% 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).