HBT

HBT FinancialB

Nasdaq / Banks

At close

2026-08-01

Current thesis

The first full quarter after the CNB acquisition produced stronger earnings, expanding NIM, strong credit metrics, and realized cost savings. Continued synergy capture and capital-supported growth could support modest multiple expansion.

Posture

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite.

What can break

CNB-acquired deposits raise funding costs and could pressure margins.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $38.20 · Bull $43.00 · Bear $31.50

Data freshness

Prices

As of 2026-08-01

Fundamentals

As of 2026-07-31 • Vendor: Data Vendor v1

Scores

As of 2026-08-01 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-30 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-08-01

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $38.20

Why

Momentum78 · Δ7d +12.8

Value53 · Δ7d -2.3

Sentiment54 · Δ7d -

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

10% active weight

Current posture

7d trendImproving

Δ7d

+12.8

Δ21d

+13.4

Value

40% active weight

Current posture

7d trendSoftening

Δ7d

-2.3

Δ21d

-3.6

Sentiment

49% active weight

Current posture

7d trendImproving

Δ7d

Δ21d

Why this grade

Composite grade B. Momentum 78.2 / Value 52.7 / Sentiment 54.2

Fundamentals (TTM)

As of 2026-07-31

Market Cap

$1.3B

Beta

0.57

Shares Out

36.38M

P/E (TTM)

10.6

P/S (TTM)

3.49

P/FCF (TTM)

18.20

Rev YoY

+14.4%

EPS YoY

-44.1%

Gross Margin

Op Margin

+45.0%

Net Debt

$40.79M

Current Ratio

0.07

As of 2026-08-01 • Updated nightlySource: Internal modelMethodology