B+
Bull case
25%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
HBT
HBT FinancialCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Q3 EPS and revenue exceeded reported consensus; tax-equivalent net interest margin rose to 4.40%, and management reported strong credit quality and capital ratios. Three October 27 analyst target increases—D.A.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -3.7.
What can break
Higher funding costs and lower loan-accretion income partly offset Q3 asset-yield gains. [#SEC-8K-2026-10-26]
Momentum
75
Value
51
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $36.00 · Bull $42.00 · Bear $30.00Analysis 2026-10-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-30
Investment thesis
As of 2026-10-30
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $42.00
Why
Momentum75 · Δ7d +2.0
Value51 · Δ7d -0.4
Sentiment55 · Δ7d -3.7
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -3.7.
Contradictions & invalidation
- • Higher funding costs and lower loan-accretion income partly offset Q3 asset-yield gains. [#SEC-8K-2026-10-26]
- • Q3 noninterest income benefited from a nonrecurring $0.4 million excise-tax refund; the negative credit-loss provision may not recur. Company release.
- • The post-print rise did not hold: HBT closed at $37.21 on October 26, $36.75 on October 27 and $36.40 on October 28.
Catalyst clock
2026-10-26
Third-quarter earnings beat, but initial gain faded
Lead driver: Sentiment · See AI snapshot
Momentum
75
8% active weight
Current posture
7d trendSoftening
Δ7d
+2.0
Δ21d
-6.5
Value
51
47% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-0.6
Sentiment
55
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.7
Δ21d
-16.3
Why this grade
Composite grade C. Momentum 74.7 / Value 50.9 / Sentiment 55.3
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-29. Scenario method
Most likely
B
Base case
45%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$30.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-30
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.33B
Beta
0.57
Shares Out
36.37M
P/E (TTM)
10.6
P/S (TTM)
3.49
P/FCF (TTM)
18.20
Rev YoY
+37.3%
EPS YoY
+25.4%
Gross Margin
-
Op Margin
+31.9%
Net Debt
$40.79M
Current Ratio
0.05
As of 2026-10-30 • Updated nightlySource: Internal modelMethods & Data