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

Burke & Herbert Financial Services Corp. and HBT Financial, Inc. are both Banks Regional companies. Burke & Herbert Financial Services Corp. and HBT Financial, Inc. are of similar size ($1.4B and $1.4B). Burke & Herbert Financial Services Corp. trades at the lower P/E: 11.2× against 15.9×. HBT Financial, Inc. grew revenue faster over the last twelve months: 13.3% against 3.09%. HBT Financial, Inc. has the higher net margin (23.4% vs 18.7%) and the higher return on invested capital (8.43% vs 6.33%). Both pay a dividend; Burke & Herbert Financial Services Corp. yields more (3.14% vs 1.91%). Across the 17 metrics below, Burke & Herbert Financial Services Corp. leads on 9 and HBT Financial, Inc. on 8.

Valuation

Metric BHRB HBT Banks Regional median
P/E 11.17 15.90 12.02
P/S 2.51 4.08 2.36
P/B 1.08 1.77 1.23
Price to free cash flow 14.90 17.83 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.96% 6.29% 8.21%
Free cash flow yield 6.71% 5.61% 9.23%

Profitability

Metric BHRB HBT Banks Regional median
Gross margin 70.62% 80.95% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.68% 23.44% 18.82%
Free cash flow margin 16.84% 22.88% 17.97%
Return on equity 9.80% 11.56% 10.28%
Return on assets 1.01% 1.32% 1.13%
Return on invested capital 6.33% 8.43% 8.45%

Growth

Metric BHRB HBT Banks Regional median
Revenue growth (TTM) 3.09% 13.30% 6.37%
EPS growth (last fiscal year) 173.76% 7.96% 18.85%
Revenue growth, 5-year CAGR — 13.15% 12.65%
Net income growth, 5-year CAGR — 15.94% 9.81%

Health

Metric BHRB HBT Banks Regional median
Debt to equity 0.13 0.20 0.17
Current ratio 0.84 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHRB HBT Banks Regional median
Dividend yield 3.14% 1.91% 2.49%
Payout ratio 0.35 0.30 0.29

Size

Metric BHRB HBT Banks Regional median
Market cap 1.41b 1.35b 934.85m

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