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HBT vs V

HBT
HBT Financial, Inc.
NEUTRAL
Price
$28.25
Market Cap
$1.03B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HBT
11.58
V
28.35
Forward P/E
HBT
9.21
V
20.79
P/B Ratio
HBT
1.44
V
15.09
P/S Ratio
HBT
4.4
V
14.08
EV/EBITDA
HBT
--
V
20.06

Profitability

Gross Margin
HBT
0.0%
V
97.78%
Operating Margin
HBT
46.08%
V
68.3%
Profit Margin
HBT
32.92%
V
50.23%
ROE
HBT
13.28%
V
53.95%
ROA
HBT
1.52%
V
18.36%

Growth

Revenue Growth
HBT
1.1%
V
14.6%
Earnings Growth
HBT
-6.3%
V
17.4%

Financial Health

Debt/Equity
HBT
--
V
0.55
Current Ratio
HBT
--
V
1.11
Quick Ratio
HBT
--
V
0.72

Dividends

Dividend Yield
HBT
3.26%
V
0.89%
Payout Ratio
HBT
34.43%
V
22.91%

AI Verdict

HBT NEUTRAL

HBT presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a Graham Number ($32.79) suggesting undervaluation, yet an Intrinsic Value ($17.08) that indicates significant overvaluation. While the company maintains a strong track record of earnings beats and a sustainable dividend, current growth metrics are concerning with negative YoY earnings growth (-6.30%). The bearish insider sentiment and low technical trend score offset the positive analyst recommendations, suggesting a period of stagnation or correction.

Strengths
Low P/E ratio (11.58) and Forward P/E (9.21) relative to broader financial sector averages
Consistent history of beating quarterly earnings estimates over 25 quarters
Sustainable dividend profile with a conservative payout ratio of 34.43%
Risks
Negative earnings growth both YoY (-6.30%) and Q/Q (-6.60%)
Stagnant revenue growth (1.10% YoY) indicating a lack of expansion
Bearish insider activity with four sell transactions and zero buys in the last 6 months
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HBT vs V: Head-to-Head Comparison

This page compares HBT Financial, Inc. (HBT) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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