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HBT

HBT FinancialB
Nasdaq / Banks
Last Price
Quote time unavailable
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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, 7D delta -5.5.
What can break
CNB-acquired deposits raise funding costs and could pressure margins.
Momentum
83
Value
52
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $38.20 · Bull $43.00 · Bear $31.50Analysis 2026-07-30; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-16 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-30 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-16

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-16. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $40.40
Why
Momentum83 · Δ7d +2.7
Value52 · Δ7d 0.0
Sentiment65 · Δ7d -5.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -5.5.

Contradictions & invalidation

  • • CNB-acquired deposits raise funding costs and could pressure margins.
  • • Insider Form 4 activity included an open-market sale; this is a secondary sentiment signal, not operating evidence. [#SEC-FORM4-2026-04-30]
  • • The quarter benefited partly from higher-than-expected loan accretion, while the acquired deposit base increased funding costs.

Catalyst clock

2026-07-27

Q2 earnings and CNB integration validate operating momentum

Lead driver: Sentiment · See AI snapshot
Momentum
83
9% active weight
Current posture
7d trendFlat
Δ7d
+2.7
Δ21d
+3.1
Value
52
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.0
Sentiment
65
62% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
-7.3
Why this grade

Composite grade B. Momentum 83.3 / Value 51.9 / Sentiment 65.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-30. Scenario method

B+
Bull case
25%
Probability
Target price
$43.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$38.20
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$31.50
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.34B
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 2026-09-16 • Updated nightlySource: Internal modelMethods & Data