Hbt Financial Inc (HBT)vsU.S. Bancorp (USB)
HBT
Hbt Financial Inc
$35.71
+0.31%
FINANCIAL SERVICES · Cap: $1.29B
USB
U.S. Bancorp
$62.80
-0.64%
FINANCIAL SERVICES · Cap: $101.07B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 10174% more annual revenue ($27.32B vs $265.92M). USB leads profitability with a 29.9% profit margin vs 29.2%. USB trades at a lower P/E of 13.1x. USB earns a higher WallStSmart Score of 75/100 (B).
HBT
Buy65
out of 100
Grade: C+
USB
Strong Buy75
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
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
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 : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : HBT
The primary concerns for HBT are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
HBT profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
HBT is growing revenue faster at 37.7% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 65/100), backed by strong 29.9% margins and 10.4% revenue growth. 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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