Hbt Financial Inc (HBT)vsHartford Financial Services Group (HIG)
HBT
Hbt Financial Inc
$36.52
-0.76%
FINANCIAL SERVICES · Cap: $1.32B
HIG
Hartford Financial Services Group
$132.59
+0.40%
FINANCIAL SERVICES · Cap: $34.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 11026% more annual revenue ($29.59B vs $265.92M). HBT leads profitability with a 29.2% profit margin vs 15.6%. HIG trades at a lower P/E of 8.7x. HIG earns a higher WallStSmart Score of 79/100 (B+).
HBT
Buy65
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 49.9%
Revenue surging 37.7% year-over-year
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
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
Strong operational efficiency at 22.6%
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HBT
The strongest argument for HBT centers on Operating Margin, Revenue Growth, Profit Margin. Profitability is solid with margins at 29.2% and operating margin at 49.9%. Revenue growth of 37.7% demonstrates continued momentum.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : HBT
The primary concerns for HBT are Market Cap, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
HBT profiles as a growth stock while HIG is a value play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.49 — expect wider price swings.
HBT is growing revenue faster at 37.7% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 65/100), backed by strong 15.6% 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.
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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