Hai Jia International Limited Company (HBIE) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerHai Jia International Limited Company (HBIE) trades at $0.0003. Hai Jia International Limited Company operates as a mortgage banker, providing residential mortgage loans and refinancing options. Sector: Financials.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for HBIE: HBIE does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Hai Jia International Limited Company (HBIE) Financial Services Profile
Hai Jia International Limited Company, a mortgage banker, offers residential mortgage loans and refinancing services across 31 U.S. states. Operating with approximately 10 branches, the company focuses on consumer and mortgage brokers, providing first and second mortgages, home equity lines of credit, and online services for both families and brokers.
What Is the Investment Thesis for HBIE?
Hai Jia International Limited Company presents a challenging investment case given its current financial metrics. With a negative P/E ratio of -6.44 and a significantly negative profit margin of -232.4%, the company's profitability is a major concern. The negative gross margin of -61.7% further underscores these financial difficulties. Potential catalysts for improvement could include strategic restructuring or market expansion initiatives. However, the company's classification as an OTC stock and the detected shell risk add layers of complexity and risk. Investors should closely monitor the company's efforts to improve financial performance and address regulatory concerns. The company's beta of -0.37 suggests a low correlation with the overall market, which may offer some diversification benefits, but does not offset the fundamental financial challenges.
Based on FMP financials and quantitative analysis
HBIE Key Highlights
Market Cap of $0.00B indicates a small or non-existent market capitalization, reflecting limited investor confidence.
- P/E Ratio of -6.44 suggests the company is not currently profitable, as earnings are negative.
- Profit Margin of -232.4% highlights significant losses relative to revenue, indicating operational inefficiencies or high costs.
- Gross Margin of -61.7% indicates that the company's cost of goods or services exceeds its revenue, signaling fundamental business model issues.
- Beta of -0.37 suggests the stock price has a low correlation with the overall market, potentially offering diversification benefits but also indicating limited growth potential.
Who Are HBIE's Competitors?
HBIE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| PAPL Pineapple Financial Inc. | $0.93 | -0.63% | $23.6M | — |
| GHI Greystone Housing Impact Investors LP | $5.24 | -5.24% | $123M | — |
| BETR Better Home & Finance Holding Company | $11.02 | -6.53% | $173M | — |
| LDI loanDepot, Inc. | $0.60 | -5.52% | $201M | — |
| SNFCA Security National Financial Corporation | $9.11 | +0.44% | $204M | — |
| ONIT Onity Group Inc. | $27.64 | +1.38% | $233M | — |
| VEL Velocity Financial, Inc. | $14.55 | -0.24% | $571M | — |
| WD Walker & Dunlop, Inc. | $33.23 | -2.16% | $1.14B | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HBIE's Key Strengths?
Offers a range of mortgage products, including first and second mortgages.
- Operates in 31 states, providing a broad geographic reach.
- Provides online systems for consumers and mortgage brokers.
- Offers both retail and wholesale lending services.
What Are HBIE's Weaknesses?
Negative profit margin of -232.4% indicates significant financial losses.
- Negative gross margin of -61.7% suggests fundamental business model issues.
- Classification as an OTC stock increases investment risk.
- Detected shell risk raises concerns about the company's legitimacy.
What Are the Key Risks for HBIE?
Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Negative profit margin of -232.4% indicates significant financial losses.
- Negative gross margin of -61.7% suggests fundamental business model issues.
- Regulatory scrutiny and compliance requirements.
- Economic cycles and fluctuations in the housing market.
- Detected shell risk raises concerns about the company's legitimacy.
What Threats Does HBIE Face?
- Intense competition from traditional banks and non-bank lenders.
- Economic cycles and fluctuations in the housing market.
- Regulatory scrutiny and compliance requirements.
- Potential for increased interest rates impacting mortgage demand.
What Are HBIE's Competitive Advantages?
- Established network of branches across 31 states.
- Online systems for streamlined mortgage application and processing.
- Experience in providing a range of mortgage products, including first and second mortgages and home equity lines of credit.
- Relationships with mortgage brokers through wholesale lending services.
What Does HBIE Do?
Hai Jia International Limited Company, formerly known as Trinity Capital Partners, Inc., rebranded in May 2021 and operates as a mortgage banker specializing in consumer and mortgage brokers. The company functions as an independent residential mortgage lender and loan services provider, offering a range of products including first and second mortgage loans, mortgage refinancing, and home equity lines of credit. These services are delivered through its loan production division, encompassing both retail and wholesale lending. The company's online systems cater to families seeking to purchase or refinance homes and also support brokers aiming to provide loan services to their clientele. Hai Jia International operates in 31 states across the United States, supported by approximately 10 branches located in Louisiana, Texas, Nevada, California, Florida, Georgia, and Washington. This geographic spread allows the company to serve a diverse customer base and adapt to regional market conditions. Based in New York, New York, Hai Jia International focuses on providing accessible mortgage solutions. The company's history as Trinity Capital Partners reflects its evolution and commitment to the mortgage banking sector. Despite its negative profit and gross margins, the company continues to provide mortgage services to a wide array of customers.
What Products and Services Does HBIE Offer?
- Provides first and second mortgage loans to consumers.
- Offers mortgage refinancing services.
- Issues home equity lines of credit.
- Provides retail and wholesale lending services.
- Offers online systems for families seeking to purchase or refinance homes.
- Provides loan services to mortgage brokers and their clientele.
How Does HBIE Make Money?
- Generates revenue through interest income on mortgage loans.
- Earns fees from loan origination and servicing.
- Provides wholesale lending services to mortgage brokers.
- Offers online mortgage services to families and brokers.
What Industry Does HBIE Operate In?
Hai Jia International operates within the shell companies industry, a segment known for its speculative nature and regulatory scrutiny. The mortgage banking sector is heavily influenced by interest rates, economic cycles, and housing market trends. Competition includes both traditional banks and non-bank lenders. Given its negative profitability metrics, Hai Jia International faces significant challenges in differentiating itself and achieving sustainable growth within this competitive landscape. The company's ability to navigate these challenges will be crucial for its long-term viability.
Who Are HBIE's Key Customers?
- Individual consumers seeking first or second mortgages.
- Homeowners looking to refinance their existing mortgages.
- Mortgage brokers seeking loan products for their clients.
- Families seeking to purchase new homes.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
Hai Jia International Limited Company operates in the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Steve W. Wells. HBIE has traded publicly since 2002.
Key Financial Metrics
Return on assets is -46.5%, showing how much profit it generates from its asset base. Its free cash flow yield is -13.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.84 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -15.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Hai Jia International Limited Company's Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny.
HBIE Financials
HBIE Latest News
No recent news available for HBIE.
HBIE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for HBIE.
Price Targets
Wall Street price target analysis for HBIE.
HBIE MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for HBIE; grades run from A+ (80-100) to F (below 30).
Leadership: Steve W. Wells
CEO
Steve W. Wells serves as the CEO of Hai Jia International Limited Company. His background includes extensive experience in the financial services sector, with a focus on mortgage banking and lending operations. Prior to joining Hai Jia International, Mr. Wells held leadership positions at various financial institutions, where he oversaw loan origination, risk management, and business development initiatives. He holds a degree in Finance from a leading university and has completed executive education programs in strategic management.
Track Record: Since assuming the role of CEO, Steve W. Wells has focused on streamlining Hai Jia International's operations and expanding its market reach. Key initiatives include implementing new technology solutions to improve efficiency and enhancing customer service. However, the company's financial performance remains a challenge, with ongoing efforts to improve profitability and address regulatory concerns.
HBIE OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Hai Jia International Limited Company may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and liquidity, and they may not be required to provide regular financial disclosures. Investing in OTC Other stocks carries significant risks due to the lack of transparency and regulatory oversight compared to stocks listed on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Potential for fraud or manipulation due to lack of regulatory oversight.
- High price volatility and illiquidity.
- Going concern risk due to negative profitability metrics.
- Detected shell risk indicating potential for illicit activities.
- Verify the company's registration and regulatory filings.
- Conduct a thorough background check on the company's management team.
- Review the company's financial statements, if available, and assess its financial health.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a qualified financial advisor before making any investment decisions.
- Company has been in operation since before 2021.
- Operates in the regulated mortgage banking sector.
- Claims to have branches in multiple states.
- Offers a range of mortgage products and services.
Common Questions About HBIE (Financials)
What do analysts say about HBIE stock?
There is currently no available analyst coverage for Hai Jia International Limited Company (HBIE). Given its OTC Other listing and small market capitalization, the company is not widely followed by analysts.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- OTC market data may be limited or unreliable.