FinWise Bancorp (NASDAQ:FINW – Get Free Report) and HBT Financial (NASDAQ:HBT – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, profitability, dividends, analyst recommendations, risk, valuation and institutional ownership.
Insider & Institutional Ownership
35.4% of FinWise Bancorp shares are held by institutional investors. Comparatively, 78.6% of HBT Financial shares are held by institutional investors. 19.2% of FinWise Bancorp shares are held by insiders. Comparatively, 59.8% of HBT Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a breakdown of current ratings and recommmendations for FinWise Bancorp and HBT Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FinWise Bancorp | 0 | 0 | 4 | 0 | 3.00 |
| HBT Financial | 1 | 3 | 2 | 0 | 2.17 |
Earnings and Valuation
This table compares FinWise Bancorp and HBT Financial”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FinWise Bancorp | $82.02 million | 2.29 | $12.74 million | $0.94 | 15.11 |
| HBT Financial | $228.13 million | 3.31 | $71.78 million | $2.38 | 10.03 |
HBT Financial has higher revenue and earnings than FinWise Bancorp. HBT Financial is trading at a lower price-to-earnings ratio than FinWise Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares FinWise Bancorp and HBT Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FinWise Bancorp | 13.23% | 7.67% | 2.00% |
| HBT Financial | 24.99% | 14.57% | 1.50% |
Volatility and Risk
FinWise Bancorp has a beta of 0.84, suggesting that its stock price is 16% less volatile than the S&P 500. Comparatively, HBT Financial has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500.
Summary
HBT Financial beats FinWise Bancorp on 8 of the 14 factors compared between the two stocks.
About FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
About HBT Financial
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 in Central and Northeastern Illinois, and Eastern Iowa. 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, and farmland sales and services; commercial checking accounts; 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. 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.
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