HBT Latest Report

Key Financial Data

1. HBT Financial's total operating revenue in December 2024 was RMB590.31 million, up 4.92% from RMB562.89 million in the same period of 2023, indicating stable revenue generation growth for the company.

2. Interest income in 2024 was RMB474.01 million, showing stable interest income for the company, which may have a positive impact on total operating revenue.

3. HBT Financial's total customer base exceeded 16 million in 2024, up 6.7% year-on-year, indicating a significant expansion of the customer base.

Peer Comparison

1. Industry-wide analysis: The overall operating revenue of the financial services industry is affected by interest rates, economic growth, and customer demand. In 2024, the industry's overall revenue recovery trend is obvious, showing market vitality under economic recovery and policy support. HBT Financial's growth is consistent with industry trends, indicating its good position in the market competition.

2. Peer evaluation analysis: HBT Financial's 4.92% revenue growth rate is good in the industry, especially considering the significant growth of the customer base and stable interest income, showing the company's adaptability and competitiveness in the market.

Summary

HBT Financial showed stable revenue growth and customer base expansion in 2024, reflecting the company's ability to actively respond to changes in the market environment. Although the competition is fierce, its revenue growth rate and customer income improvement show its good performance in the industry.

Opportunities

1. With the continuous growth of market demand, HBT Financial can further expand the range of products and services to meet customer needs.

2. The company can seize the trend of customer digital transformation through investment in digital banking platforms to enhance its market share.

3. With the expansion of the customer base, HBT Financial has the opportunity to enhance cross-selling and customer loyalty, thus increasing operating revenue.

Risks

1. The Federal Reserve's interest rate hike policy may affect the company's net interest income, thus affecting overall revenue performance.

2. The rapid development of competitors in the fintech field may pose a threat to HBT Financial's market share.

3. If the company fails to launch new products or services in time, it may miss market opportunities and affect its long-term growth potential.