Contrasting HBT Financial (NASDAQ:HBT) and Associated Banc (NYSE:ASB)
Contrasting HBT Financial (NASDAQ:HBT) and Associated Banc (NYSE:ASB)
HBT Financial (NASDAQ:HBT – Get Rating) and Associated Banc (NYSE:ASB – Get Rating) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.
HBT Financial(纳斯达克代码：HBT-GET Rating)和联合银行(NYSE：ASB-GET Rating)都是金融公司，但哪一种投资更好？我们将根据这两家公司的估值、风险、分析师建议、盈利能力、机构所有权、股息和收益等方面的实力进行比较。
Institutional & Insider Ownership
机构与内部人持股
26.2% of HBT Financial shares are held by institutional investors. Comparatively, 81.1% of Associated Banc shares are held by institutional investors. 65.2% of HBT Financial shares are held by company insiders. Comparatively, 3.0% of Associated Banc shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
HBT Financial 26.2%的股份由机构投资者持有。相比之下，联合银行81.1%的股份由机构投资者持有。HBT Financial 65.2%的股份由公司内部人士持有。相比之下，联合银行3.0%的股份由公司内部人士持有。强大的机构持股表明，捐赠基金、大型基金经理和对冲基金相信，从长期来看，一只股票的表现将好于大盘。
Dividends
分红
HBT Financial pays an annual dividend of $0.64 per share and has a dividend yield of 3.6%. Associated Banc pays an annual dividend of $0.80 per share and has a dividend yield of 3.9%. HBT Financial pays out 33.2% of its earnings in the form of a dividend. Associated Banc pays out 38.5% 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. HBT Financial has increased its dividend for 1 consecutive years and Associated Banc has increased its dividend for 1 consecutive years.
HBT Financial的年度股息为每股0.64美元，股息率为3.6%。联营银行的年度股息为每股0.8美元，股息率为3.9%。HBT Financial以股息的形式支付其收益的33.2%。联合银行以股息的形式支付其收益的38.5%。这两家公司的派息率都很健康，应该能够在未来几年用收益来支付股息。HBT Financial连续1年增加股息，联合银行连续1年增加股息。
Profitability
盈利能力
| Net Margins | Return on Equity | Return on Assets | |
| HBT Financial | 31.99% | 14.14% | 1.30% |
| Associated Banc | 28.30% | 8.63% | 0.92% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| HBT财经 | 31.99% | 14.14% | 1.30% |
| 关联银行 | 28.30% | 8.63% | 0.92% |
Valuation and Earnings
估值和收益
This table compares HBT Financial and Associated Banc's top-line revenue, earnings per share (EPS) and valuation.
此表比较了HBT Financial和联合银行的营收、每股收益(EPS)和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| HBT Financial | $165.55 million | 3.13 | $56.27 million | $1.93 | 9.31 |
| Associated Banc | $1.13 billion | 2.70 | $350.99 million | $2.08 | 9.78 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| HBT财经 | 1.655亿美元 | 3.13 | 5627万美元 | $1.93 | 9.31 |
| 关联银行 | 11.3亿美元 | 2.70 | 3.5099亿美元 | $2.08 | 9.78 |
Associated Banc has higher revenue and earnings than HBT Financial. HBT Financial is trading at a lower price-to-earnings ratio than Associated Banc, indicating that it is currently the more affordable of the two stocks.
联合银行的收入和收益高于HBT Financial。HBT Financial的市盈率低于联合银行，表明它目前是两只股票中更负担得起的一只。
Analyst Recommendations
分析师建议
This is a summary of current ratings for HBT Financial and Associated Banc, as reported by MarketBeat.com.
据MarketBeat.com报道，这是HBT Financial和Associated Banc目前的评级摘要。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| HBT Financial | 1 | 0 | 0 | 0 | 1.00 |
| Associated Banc | 1 | 3 | 1 | 0 | 2.00 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| HBT财经 | 1 | 0 | 0 | 0 | 1.00 |
| 关联银行 | 1 | 3 | 1 | 0 | 2.00 |
HBT Financial presently has a consensus target price of $19.00, suggesting a potential upside of 5.79%. Associated Banc has a consensus target price of $23.67, suggesting a potential upside of 16.36%. Given Associated Banc's stronger consensus rating and higher possible upside, analysts clearly believe Associated Banc is more favorable than HBT Financial.
HBT Financial目前的共识目标价为19.00美元，暗示潜在上涨5.79%。联合银行的共识目标价为23.67美元，暗示潜在上涨16.36%。考虑到联合银行更强的共识评级和更高的可能上行空间，分析师显然认为联合银行比HBT Financial更有利。
Volatility & Risk
波动性与风险
HBT Financial has a beta of 1.06, meaning that its share price is 6% more volatile than the S&P 500. Comparatively, Associated Banc has a beta of 1.04, meaning that its share price is 4% more volatile than the S&P 500.
HBT Financial的贝塔系数为1.06，这意味着其股价的波动性比标准普尔500指数高出6%。相比之下，联合银行的贝塔系数为1.04，这意味着其股价的波动性比标准普尔500指数高出4%。
Summary
摘要
Associated Banc beats HBT Financial on 9 of the 16 factors compared between the two stocks.
在比较两只股票的16个指标中，有9个指标联合银行击败了HBT Financial。
About HBT Financial
关于HBT财经
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HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
HBT金融公司作为哈特兰银行和信托公司的银行控股公司，向个人、企业和市政实体提供商业、商业和零售银行产品和服务。该公司的存款账户包括无息活期存款、有息交易账户、货币市场账户、储蓄账户、存单、健康储蓄账户和个人退休账户。它提供的贷款包括业主和非业主自住型商业房地产；建筑和土地开发以及多户；商业和工业；农业和农田；一至四户家庭住房贷款，以及市政、消费和其他贷款。该公司还提供财富管理服务，包括面向消费者、信托基金和房地产的财务规划；受托人和托管人；投资管理；企业退休计划咨询和管理；以及零售经纪服务。此外，它还提供农田管理、农田销售和农作物保险服务；以及国库管理服务，以及发放和销售住房抵押贷款。此外，该公司还提供数字银行服务，如在线和移动银行，数字支付服务，以及个人财务管理工具。它在伊利诺伊州中部和东北部的57个分支机构以及爱荷华州东部的4个地点开展业务。该公司前身为哈特兰银行公司，并于2019年9月更名为HBT金融公司。HBT金融公司成立于1920年，总部设在伊利诺伊州的布鲁明顿。
About Associated Banc
关于关联银行
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Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company operates through three segments: Corporate and Commercial Specialty; Community, Consumer, and Business; and Risk Management and Shared Services. Its Corporate and Commercial Specialty segment offers lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset based lending, and loan syndications; deposit and cash management solutions, such as commercial checking and interest-bearing deposit products, cash vault and night depository services, liquidity solutions, payables and receivables solutions, and information services; specialized financial services such as interest rate risk management, foreign exchange solutions, and commodity hedging; fiduciary services such as administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management; and investable funds solutions such as savings, money market deposit accounts, IRA accounts, CDs, fixed and variable annuities, full-service, discount and online investment brokerage; investment advisory services; and trust and investment management accounts. The company's Community, Consumer, and Business segment offers lending solutions, such as residential mortgages, home equity loans and lines of credit, personal and installment loans, auto loans, business loans, and business lines of credit; and deposit and transactional solutions such as checking, credit, debit and pre-paid cards, online banking and bill pay; and money transfer services. As of December 31, 2021, the company operated 215 banking branches. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.
联合银行是一家银行控股公司，为威斯康星州、伊利诺伊州和明尼苏达州的个人和企业提供各种银行和非银行产品。该公司通过三个部门运营：企业和商业专业；社区、消费者和企业；以及风险管理和共享服务。其企业和商业专业部门提供贷款解决方案，包括商业贷款和信用额度、商业房地产融资、建筑贷款、信用证、租赁、资产贷款和银团贷款；存款和现金管理解决方案，如商业支票和计息存款产品、现金金库和夜间存管服务、流动性解决方案、应收账款和应收账款解决方案，以及信息服务；专业金融服务，如利率风险管理、外汇解决方案和商品对冲；信托服务，如管理养恤金、利润分享和其他雇员福利计划、信托和公司代理服务，以及机构资产管理；可投资基金解决方案，如储蓄、货币市场存款账户、个人退休账户、存单、固定和可变年金、全方位服务、贴现和在线投资经纪；投资咨询服务；以及信托和投资管理账户。该公司的社区、消费者和商业部门提供贷款解决方案，如住宅抵押贷款、房屋净值贷款和信用额度、个人和分期付款贷款、汽车贷款、商业贷款和商业信用额度；以及存款和交易解决方案，如支票、信用卡、借记卡和预付卡、网上银行和账单支付；以及转账服务。截至2021年12月31日，该公司经营着215家银行分支机构。联合银行成立于1861年，总部设在威斯康星州的格林湾。
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