HBT Financial (9ND) AI Stock Analysis

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HBT Financial

(Frankfurt:9ND)

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Positive Factors

Profitable revenue growthSustained revenue expansion alongside strong net and operating margins indicates substantial earnings power in the core banking franchise. This profitability can support reinvestment, capital returns, and resilience over the next several quarters while preserving capacity to pursue growth.

Negative Factors

Sharp cash-flow deteriorationThe steep decline in operating and free cash flow weakens cash conversion and reduces near-term capital flexibility despite continued reported profitability. If sustained, lower internally generated cash could constrain lending growth, shareholder distributions, or other balance-sheet priorities.

HBT Financial (9ND) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 1.35B
Dividend Yield: 2.53%
Average Volume (3M): 100
Price to Earnings (P/E): 14.5
Beta (1Y): 0.49
Revenue Growth: 17.04%
EPS Growth: -1.64%
Country: Germany
Employees: 826
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

HBT Financial Business Overview & Revenue Model

Company Description

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal en...

HBT Financial Risk Analysis

HBT Financial disclosed 46 risk factors in its most recent earnings report. HBT Financial reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

HBT Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:9ND against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GABC	80Outperform	$1.88B	12.88	12.39%	2.48%	12.22%	35.76%
FMBH	79Outperform	$1.36B	11.76	10.50%	1.97%	14.51%	19.30%
THFF	79Outperform	$918.17M	10.01	13.84%	2.90%	9.80%	23.15%
OSBC	77Outperform	$1.24B	11.62	12.41%	1.16%	22.41%	40.35%
LKFN	74Outperform	$1.53B	13.79	15.07%	3.35%	2.03%	18.45%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

DE:9ND and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:9ND	Hbt Financial, Inc.	33.20	15.05	82.88%
THFF	First Financial Corporation Indiana	77.11	22.20	40.42%
GABC	German American Bancorp	49.96	11.48	29.84%
LKFN	Lakeland Financial	62.07	5.80	10.31%
OSBC	Old Second	25.10	7.00	38.64%
FMBH	First Mid-Illinois Bancshares, Inc.	51.29	14.93	41.08%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

HBT Financial AI Stock Analysis