Hbt Financial Inc (HBT)vsU.S. Bancorp (USB)
HBT
Hbt Financial Inc
$32.57
+0.81%
FINANCIAL SERVICES · Cap: $1.16B
USB
U.S. Bancorp
$61.73
+1.78%
FINANCIAL SERVICES · Cap: $94.88B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10822% more annual revenue ($26.65B vs $243.97M). USB leads profitability with a 29.3% profit margin vs 28.3%. USB trades at a lower P/E of 12.8x. USB earns a higher WallStSmart Score of 69/100 (B-).
HBT
Buy53
out of 100
Grade: C-
USB
Strong Buy69
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
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 43.7%
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
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 : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : HBT
The primary concerns for HBT are Market Cap, EPS Growth, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
HBT profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
HBT is growing revenue faster at 17.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (69/100 vs 53/100), backed by strong 29.3% margins. 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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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