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Upturn AI SWOT - About
Hbt Financial Inc (HBT)
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Upturn Advisory Summary
03/11/2025: HBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -28.28% | Avg. Invested days 29 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 710.40M USD | Price to earnings Ratio 9.96 | 1Y Target Price 25.7 |
Price to earnings Ratio 9.96 | 1Y Target Price 25.7 | ||
Volume (30-day avg) 39245 | Beta 0.8 | 52 Weeks Range 17.35 - 26.25 | Updated Date 03/30/2025 |
52 Weeks Range 17.35 - 26.25 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 2.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.42% | Operating Margin (TTM) 49.21% |
Management Effectiveness
Return on Assets (TTM) 1.42% | Return on Equity (TTM) 13.88% |
Valuation
Trailing PE 9.96 | Forward PE - | Enterprise Value 707273344 | Price to Sales(TTM) 3.21 |
Enterprise Value 707273344 | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 3.67 | Enterprise Value to EBITDA - | Shares Outstanding 31559400 | Shares Floating 12679291 |
Shares Outstanding 31559400 | Shares Floating 12679291 | ||
Percent Insiders 60.31 | Percent Institutions 23.91 |
Analyst Ratings
Rating 3.5 | Target Price 26 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hbt Financial Inc
Company Overview
History and Background
HBT Financial, Inc. was founded in 1920. It operates as a financial holding company, providing community banking and financial services.
Core Business Areas
- Community Banking: Offers a range of commercial and retail banking services, including deposit accounts, loans, and other financial products tailored to individuals and businesses in the communities it serves.
- Wealth Management: Provides wealth management and trust services to individuals, families, and businesses, including investment management, financial planning, and estate planning.
Leadership and Structure
HBT Financial Inc. is led by a board of directors and a senior management team responsible for overseeing the company's strategy and operations. The organizational structure typically includes various departments and divisions, such as retail banking, commercial lending, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of various sizes to support their operations, expansion, and other financing needs. Competitors include larger national and regional banks.
- Market Share: Market share data specific to HBT Financial Inc.'s commercial loan market is not widely available at a granular level.
- Market Share: Market share data specific to HBT Financial Inc.'s residential mortgage market is not widely available at a granular level.
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing residential properties. Competitors include mortgage companies and credit unions.
- Deposit Accounts: Provides various deposit accounts, including checking, savings, and money market accounts. Competitors include national and regional banks.
- Market Share: Market share data specific to HBT Financial Inc.'s deposit account market is not widely available at a granular level.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations also play a crucial role.
Positioning
HBT Financial Inc. focuses on community banking, emphasizing local relationships and customer service. It competes with larger national and regional banks as well as smaller community banks.
Total Addressable Market (TAM)
TAM estimates vary depending on the specific segment (e.g., commercial lending, retail banking). HBT Financial Inc. is positioned to capture a portion of the community banking market, which has seen steady growth due to a shift towards local-centered banking options.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Customer-centric approach
- Experienced management team
- Diversified product offerings
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs relative to scale
- Reliance on local economy
- Potential difficulty attracting top talent compared to larger firms
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns affecting loan demand
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
HBT Financial Inc. faces intense competition from larger national and regional banks that have greater resources and broader service offerings. However, HBT distinguishes itself through a focus on local relationships and community engagement, which allows it to retain a loyal customer base.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth based on provided data.
Future Projections: Future projections based on analyst estimates.
Recent Initiatives: Highlights of strategic initiatives undertaken by HBT Financial Inc.
Summary
HBT Financial Inc. shows stability in a competitive market, driven by its community focus. While its reach is limited compared to larger players, its strong customer relationships provide a solid foundation. Future growth relies on strategic expansion, adoption of digital services, and adapting to economic and regulatory challenges.
Similar Companies
- HBNC
- FFBC
- TCBI
- UMPQ
- CASH
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximations.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hbt Financial Inc
Exchange NASDAQ | Headquaters Bloomington, IL, United States | ||
IPO Launch date 2019-10-11 | President, CEO & Director Mr. J. Lance Carter | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 844 | Website https://ir.hbtfinancial.com |
Full time employees 844 | Website https://ir.hbtfinancial.com | ||
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and services residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
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