Hbt Financial Inc (HBT)vsHartford Financial Services Group (HIG)
HBT
Hbt Financial Inc
$27.76
-0.79%
FINANCIAL SERVICES · Cap: $1.01B
HIG
Hartford Financial Services Group
$136.81
+0.12%
FINANCIAL SERVICES · Cap: $37.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 12208% more annual revenue ($28.79B vs $233.92M). HBT leads profitability with a 32.9% profit margin vs 14.1%. HIG trades at a lower P/E of 9.6x. HIG earns a higher WallStSmart Score of 77/100 (B+).
HBT
Hold49
out of 100
Grade: D+
HIG
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
Attractively priced relative to earnings
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 23 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Areas to Watch
1.1% revenue growth
Smaller company, higher risk/reward
Earnings declined 6.3%
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : HBT
The strongest argument for HBT centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 32.9% and operating margin at 46.1%.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : HBT
The primary concerns for HBT are Revenue Growth, Market Cap, EPS Growth.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
HBT carries more volatility with a beta of 0.55 — expect wider price swings.
HIG is growing revenue faster at 6.1% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (77/100 vs 49/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hbt Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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