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Our newest take on Hbt (USA Stocks:HBT) analyst consensus

July 23, 2023  By Gabriel Shpitalnik
Macroaxis Story
The HBT Financial Stock (USA: HBT), a key player in the Banks-Regional industry, presents a compelling investment opportunity. With a Coefficient of Variation at 1.3K, the stock exhibits a considerable level of risk, but this is balanced by a Mean Deviation of 1.44, indicating a relatively stable performance. Additionally, the company's Jensen Alpha stands at 0.0862, suggesting a positive risk-adjusted performance, which is further confirmed by a Risk Adjusted Performance of 0.0587. The company's financial health is also noteworthy. HBT Financial reported a Total Revenue of $179.5 million, with an Operating Income of $86.4 million. The company's Net Interest Income stood at $145.9 million, contributing significantly to the revenue. However, it's worth noting that the company incurred an Income Tax Expense of $21.3 million, leading to a Net Income Applicable To Common Shares of $56.5 million. Despite a recent Price Change of -0.04, the stock's current Quote of $19.95 is still significantly higher than its 52 Week Low of $16.33. Moreover, with a Short Ratio of 2.8 and Shares Short Prior Month at 172K, there's a potential for a short squeeze, which could drive the stock price higher. The company's Return On Assets is 0.0111, indicating efficient use of its assets. In conclusion, while HBT Financial stock does carry some risk, its strong financial performance and potential for a short squeeze make it an attractive investment option. However, as always, investors are advised to conduct their own thorough research and consider their risk tolerance before making any investment decisions.

Deep-dive analysis

The asset utilization indicator is a measure of the revenue generated for each dollar of assets reported by a company. Hbt Financial's asset utilization ratio stands at 4.2 percent, indicating that the company generates $0.042 for every dollar of assets. An increase in asset utilization suggests that Hbt Financial is becoming more efficient in using each dollar of assets for its daily operations.
Published over a year ago
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Reviewed by Raphi Shpitalnik

As a savvy investor, it's crucial to stay updated with the latest market trends and forecasts. Today, we delve into the financials of HBT Financial (USA: HBT), a prominent player in the Financial Services sector, particularly in the Banks service category. HBT Financial has been a subject of interest for many analysts, and the latest consensus provides a fresh perspective on its stock performance. The company has shown a promising operating margin of 46.67%, which is a significant indicator of its profitability. Additionally, the firm's net income applicable to common shares stands at a robust $56.5M, backed by a substantial net interest income of $145.9M. The stock's beta of 0.8687 suggests a lower volatility compared to the market, making it a relatively safer bet for risk-averse investors. The company's forward dividend rate of 0.68 also adds to its appeal for those seeking steady income streams. The analyst's target price estimated value for HBT Financial is $20.333, with the lowest estimated target price being $19.5. The naive expected forecast value stands at $20.97, indicating potential upside. However, investors should also consider the possible downside price of $19.09 and the value at risk of -2.55. HBT Financial's market risk adjusted performance is 0.1472, and it has a Treynor Ratio of 0.1372, both suggesting a favorable risk-reward trade-off. The company's coefficient of variation is 1.3K, indicating a relatively high level of risk. In conclusion, HBT Financial's robust financial performance and the latest analyst consensus make it a stock worth considering for investors seeking a blend of stability and potential upside. However, like any investment, it's essential to factor in the inherent risks and align it with your investment goals and risk tolerance. HBT Financial is set to announce its earnings tomorrow, with the forthcoming quarterly report anticipated on July 24, 2023. While some private investors are showing indifference towards the banking sector, we will evaluate the viability of incorporating HBT as a potential hedging instrument for your existing portfolios. Should we adopt a more optimistic outlook in anticipation of a recovery?
What is the right price you would pay to acquire a share of Hbt Financial? For most investors, it would be the price that gives them a wide margin of safety to have minimal downside risk. In other words, most investors are always looking for undervalued stocks. Even if the future performance is not entirely as expected, the loss of holding it is minimized, and the downside risk is negated. Please read more on our stock advisor page.

What is happening with Hbt Financial this year

Annual and quarterly reports issued by Hbt Financial are formal financial statements that are published yearly and quarterly and sent to Hbt stockholders. The reports show and break down the current year's ongoing operations and discuss plans for the upcoming year. Annual reports have been a requirement from the Securities and Exchange Commission (SEC) for businesses owned by the public since 1934.
Companies such as Hbt Financial often view their annual report as an effective marketing tool to disseminate their perspective on company future earnings or innovations. With this in mind, many companies devote large sums of money to making their reports attractive and informative. In such instances, the annual report becomes a forum through which a company can communicate to the general public any number of topics that may or may not be directly related to the actual data published in the reports.

How important is Hbt Financial's Liquidity

Hbt Financial financial leverage refers to using borrowed capital as a funding source to finance Hbt Financial ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Hbt Financial financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Financial leverage can amplify the potential profits to Hbt Financial's owners, but it also increases the potential losses and risk of financial distress, including bankruptcy, if the firm cannot cover its debt costs. The degree of Hbt Financial's financial leverage can be measured in several ways, including by ratios such as the debt-to-equity ratio (total debt / total equity), equity multiplier (total assets / total equity), or the debt ratio (total debt / total assets). Please check the breakdown between Hbt Financial's total debt and its cash.

Hbt Financial Gross Profit

Hbt Financial Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing Hbt Financial previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show Hbt Financial Gross Profit growth over the last 10 years. Please check Hbt Financial's gross profit and other fundamental indicators for more details.

Is Hbt a risky opportunity?

Let's check the volatility. Hbt is looking slightly risky at this time. Whether you invest your money or manage your clients' funds, remember that it is easy to forget that behind Hbt (USA Stocks:HBT) stock is an actual business venture. So, do not let stock picking become an abstract concept by ignoring the elementary risk calculations. acquiring a share of a Hbt Financial stock makes you a part-owner of that company.

Hbt Financial Current Consensus

Here is the newest trade recommendation based on an ongoing consensus estimate among financial analysis covering Hbt Financial. The Hbt consensus assessment is calculated by taking the average estimates from all of the analysts covering Hbt Financial
Strong Buy
1		Buy
1		Hold
2		Strong Sell
1
Strong Buy120.0
Buy120.0
Hold240.0
Sell00.0
Strong Sell120.0
HBT Financial (NASDAQ: HBT), a key player in the Banks-Regional industry, has been attracting the attention of savvy investors due to its promising financial indicators. The company's operating margin stands at 0.47%, with an EBITDA of $87.29M and a net income of $56.46M. The firm's operating income is also robust at $86.4M, demonstrating its ability to generate profits from its core business operations. The company's shares are currently trading at a price-to-book ratio of 1.58X and a price-to-earnings ratio of 10.00X, indicating a potentially undervalued stock. The forward dividend rate is 0.68, which coupled with a yield of 0.0343%, may appeal to income-focused investors. HBT Financial's risk-adjusted performance is 0.0587, with a beta of 0.87, suggesting a lower volatility compared to the overall market. However, the probability of bankruptcy stands at 42.51%, which investors should consider in their risk assessment. The company's total assets amount to a substantial $4.28B, with retained earnings of $232M. The firm's current valuation is $659.78M, which, given its strong financial performance and potential upside of 3.14, suggests that HBT Financial could be a solid addition to a diversified investment portfolio.

Hbt Financial is likely to close below $19.55 next week

Based on the most recent data, Hbt Financial's latest Jensen Alpha has risen to 0.09, suggesting a potential for returns higher than anticipated. However, market indicators hint at a possible downtrend in the near future. This implies that Hbt Financial's stock, currently trading above $19.55, is likely to experience downward pressure in the coming week. Investors should closely monitor this stock for potential selling opportunities. As of July 23rd, Hbt Financial maintains a Market Risk Adjusted Performance of 0.1472, a risk-adjusted performance of 0.0587, and a Downside Deviation of 1.69. Hbt Financial's technical analysis allows you to use historical prices and volume momentum to identify a pattern that can predict the direction of the company's future prices. In simple terms, this information can be used to determine if the company will indeed follow its model of historical price patterns, or if the prices will eventually revert. We have analyzed nineteen technical drivers for Hbt Financial, which can be compared to its rivals.
We recommend checking out Hbt Financial's information ratio, potential upside, as well as the relationship between the Potential Upside and Kurtosis to determine if Hbt Financial is priced fairly, given that the market reflects its last-minute price of $19.95 per share. Considering that Hbt Financial has a Jensen Alpha of 0.0862, we strongly advise you to verify Hbt Financial's regular market performance to ensure the company can sustain itself in the future. In conclusion, HBT Financial's (USA Stocks:HBT) stock performance in August may not be as volatile as the title suggests. The analyst overall consensus indicates a 'Hold' with an estimated target price of 20.333, which is relatively close to the current market value of 19.95. The highest estimated target price is 21, suggesting a possible upside price of 22.85, while the possible downside price is 19.09. The number of analyst holds, strong buys, and strong sells are evenly distributed, indicating a mixed sentiment among analysts. Therefore, while there is potential for growth, investors should exercise caution and closely monitor market trends before making any decisions. .

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Editorial Staff

Gabriel Shpitalnik is a Member of Macroaxis Editorial Board. Gabriel is a young entrepreneur and writes predominantly on the business, technology, and finance sector. He likes to analyze different equity instruments across a wide range of industries focusing primarily on consumer products and evolving technologies. View Profile
This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Gabriel Shpitalnik do not own shares of Hbt Financial. Please refer to our Terms of Use for any information regarding our disclosure principles.

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