Burke & Herbert Financial Services Corp. (BHRB) vs Pathward Financial, Inc. (CASH)

Burke & Herbert Financial Services Corp. and Pathward Financial, Inc. are both Banks Regional companies. Burke & Herbert Financial Services Corp. and Pathward Financial, Inc. are of similar size ($1.5B and $1.4B). Pathward Financial, Inc. trades at the lower P/E: 9.1× against 11.1×. Burke & Herbert Financial Services Corp. grew revenue faster over the last twelve months: 3.09% against −1.26%. Pathward Financial, Inc. has the higher net margin (21.0% vs 18.7%) and the higher return on invested capital (18.2% vs 6.33%). Both pay a dividend; Burke & Herbert Financial Services Corp. yields more (3.16% vs 0.27%). Across the 17 metrics below, Pathward Financial, Inc. leads on 12 and Burke & Herbert Financial Services Corp. on 5.

Valuation

Metric BHRB CASH Banks Regional median
P/E 11.10 9.10 11.98
P/S 2.49 1.84 2.34
P/B 1.08 1.81 1.19
Price to free cash flow 14.81 2.28 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.01% 10.98% 8.23%
Free cash flow yield 6.75% 43.78% 9.08%

Profitability

Metric BHRB CASH Banks Regional median
Gross margin 70.62% 98.77% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.68% 21.00% 18.66%
Free cash flow margin 16.84% 80.46% 21.11%
Return on equity 9.80% 21.03% 10.65%
Return on assets 1.01% 2.41% 1.13%
Return on invested capital 6.33% 18.19% 8.35%

Growth

Metric BHRB CASH Banks Regional median
Revenue growth (TTM) 3.09% (1.26%) 6.98%
EPS growth (last fiscal year) 173.76% 18.88% 18.88%
Revenue growth, 5-year CAGR — 9.84% 12.38%
Net income growth, 5-year CAGR — 12.60% 9.71%

Health

Metric BHRB CASH Banks Regional median
Debt to equity 0.13 0.04 0.22
Current ratio 0.84 0.82 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHRB CASH Banks Regional median
Dividend yield 3.16% 0.27% 2.57%
Payout ratio 0.35 0.03 0.30

Size

Metric BHRB CASH Banks Regional median
Market cap 1.41b 1.50b 913.33m

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