Hbt Financial Inc (HBT)vsHartford Financial Services Group (HIG)
HBT
Hbt Financial Inc
$32.57
+0.81%
FINANCIAL SERVICES · Cap: $1.16B
HIG
Hartford Financial Services Group
$137.64
+3.78%
FINANCIAL SERVICES · Cap: $35.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 11701% more annual revenue ($28.79B vs $243.97M). HBT leads profitability with a 28.3% profit margin vs 14.1%. HIG trades at a lower P/E of 9.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HBT
Buy53
out of 100
Grade: C-
HIG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 44.2%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
17.5% revenue growth
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 41.4% YoY
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 43.7%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBT
The strongest argument for HBT centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.3% and operating margin at 44.2%. Revenue growth of 17.5% demonstrates continued momentum.
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 Market Cap, EPS Growth, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Key Dynamics to Monitor
HBT profiles as a growth stock while HIG is a value play — different risk/reward profiles.
HBT carries more volatility with a beta of 0.53 — expect wider price swings.
HBT is growing revenue faster at 17.5% — sustainability is the question.
HIG generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 53/100). Both earn "Strong Buy" and "Buy" 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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