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

Burke & Herbert Financial Services Corp. and Triumph Financial, Inc. are both Banks Regional companies. Burke & Herbert Financial Services Corp. and Triumph Financial, Inc. are of similar size ($1.5B and $1.4B). Burke & Herbert Financial Services Corp. trades at the lower P/E: 11.5× against 31.0×. Burke & Herbert Financial Services Corp. grew revenue faster over the last twelve months: 13.9% against 12.5%. Burke & Herbert Financial Services Corp. has the higher net margin (18.3% vs 8.39%) and the higher return on invested capital (7.91% vs 0.00%). Across the 16 metrics below, Burke & Herbert Financial Services Corp. leads on 11 and Triumph Financial, Inc. on 5.

Valuation

Metric BHRB TFIN Banks Regional median
P/E 11.46 31.03 11.87
P/S 2.51 2.60 2.35
P/B 1.23 1.57 1.23
Price to free cash flow 15.72 8.78 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.72% 3.22% 8.34%
Free cash flow yield 6.36% 11.39% 9.37%

Profitability

Metric BHRB TFIN Banks Regional median
Gross margin 70.88% 83.95% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.27% 8.39% 18.99%
Free cash flow margin 17.82% 29.64% 18.19%
Return on equity 10.49% 5.22% 10.45%
Return on assets 1.08% 0.67% 1.15%
Return on invested capital 7.91% 0.00% 8.54%

Growth

Metric BHRB TFIN Banks Regional median
Revenue growth (TTM) 13.88% 12.47% 6.56%
EPS growth (last fiscal year) 173.76% 72.22% 18.85%
Revenue growth, 5-year CAGR — 6.29% 12.65%
Net income growth, 5-year CAGR — (18.69%) 9.81%

Health

Metric BHRB TFIN Banks Regional median
Debt to equity 0.00 0.04 0.14
Current ratio 0.84 1.02 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHRB TFIN Banks Regional median
Dividend yield 3.15% — 2.51%
Payout ratio 0.36 — 0.30

Size

Metric BHRB TFIN Banks Regional median
Market cap 1.41b 1.49b 915.17m

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