
HBT Stock Forecast & Price Target
HBT Analyst Ratings
Bulls say
HBT Finl is a solid bank with strong credit and profitability profiles, positioning them well to gain excess capital flexibility and enhance EPS growth through consolidating sub-scale Illinois banks. Despite a more conservative outlook on loan growth, recent acquisitions and continued strong commercial Real Estate and Agriculture standings should drive continued earning and dividend growth in upcoming quarters. Elevated efficiency ratio due to predominant share of Illinois activities and $271 Million agriculture and farmland loan book is somewhat risky, but currently at solid credit levels and solid profitability.
Bears say
HBT Finl is a community bank that operates in Central and Northeastern Illinois and Eastern Iowa, generating revenue through card income, wealth management fees, and service charges on deposit accounts. The company's acquisition and integration of CNBN this quarter is expected to bring cost savings and a boost to core fee income, but a decline in NIM is anticipated in the next quarter. With a legacy loan portfolio that is expected to shrink and relatively low asset quality, HBT Finl's profitability outlook remains above average.
This aggregate rating is based on analysts' research of HBT Financial Inc and is not a guaranteed prediction by Public.com or investment advice.
HBT Analyst Forecast & Price Prediction
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