HBT Financial (HBT) Competitors

HBT Financial (NASDAQ:HBT) and Bread Financial (NYSE:BFH) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, analyst recommendations, community ranking, valuation, media sentiment, institutional ownership, risk, earnings and dividends.

Does the media prefer HBT or BFH?

In the previous week, Bread Financial had 6 more articles in the media than HBT Financial. MarketBeat recorded 9 mentions for Bread Financial and 3 mentions for HBT Financial. Bread Financial's average media sentiment score of 0.56 beat HBT Financial's score of 0.09 indicating that Bread Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
HBT Financial	1 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Bread Financial	3 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is HBT or BFH more profitable?

HBT Financial has a net margin of 24.99% compared to Bread Financial's net margin of 5.75%. HBT Financial's return on equity of 14.57% beat Bread Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HBT Financial	24.99%	14.57%	1.50%
Bread Financial	5.75%	12.41%	1.72%

Which has higher valuation & earnings, HBT or BFH?

Bread Financial has higher revenue and earnings than HBT Financial. Bread Financial is trading at a lower price-to-earnings ratio than HBT Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HBT Financial	$287.27M	2.74	$71.78M	$2.26	11.05
Bread Financial	$4.80B	0.58	$277M	$5.55	10.25

Which has more volatility & risk, HBT or BFH?

HBT Financial has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.93, indicating that its stock price is 93% more volatile than the S&P 500.

Do analysts rate HBT or BFH?

HBT Financial presently has a consensus target price of $24.80, indicating a potential downside of 0.72%. Bread Financial has a consensus target price of $59.69, indicating a potential upside of 4.97%. Given Bread Financial's higher probable upside, analysts plainly believe Bread Financial is more favorable than HBT Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HBT Financial	1 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.20
Bread Financial	2 Sell rating(s)	9 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.19

Does the MarketBeat Community favor HBT or BFH?

HBT Financial received 10 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 42.19% of users gave HBT Financial an outperform vote while only 22.08% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
HBT Financial	Outperform Votes 27 42.19%	Underperform Votes 37 57.81%
Bread Financial	Outperform Votes 17 22.08%	Underperform Votes 60 77.92%

Is HBT or BFH a better dividend stock?

HBT Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.4%. Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.5%. HBT Financial pays out 37.2% of its earnings in the form of a dividend. Bread Financial pays out 15.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Do insiders and institutionals believe in HBT or BFH?

78.6% of HBT Financial shares are owned by institutional investors. Comparatively, 99.5% of Bread Financial shares are owned by institutional investors. 59.8% of HBT Financial shares are owned by insiders. Comparatively, 0.6% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Bread Financial beats HBT Financial on 11 of the 20 factors compared between the two stocks.