HBT Financial, Inc. (HBT) vs Old Second Bancorp, Inc. (OSBC)

HBT Financial, Inc. and Old Second Bancorp, Inc. are both Banks Regional companies. HBT Financial, Inc. and Old Second Bancorp, Inc. are of similar size ($1.3B and $1.3B). Old Second Bancorp, Inc. trades at the lower P/E: 14.0× against 15.5×. Old Second Bancorp, Inc. grew revenue faster over the last twelve months: 33.1% against 13.3%. HBT Financial, Inc. has the higher net margin (23.4% vs 20.2%) and the lower return on invested capital (8.43% vs 9.36%). Both pay a dividend; HBT Financial, Inc. yields more (3.99% vs 1.60%). Across the 20 metrics below, Old Second Bancorp, Inc. leads on 16 and HBT Financial, Inc. on 4.

Valuation

Metric HBT OSBC Banks Regional median
P/E 15.49 14.02 12.15
P/S 3.98 2.80 2.37
P/B 1.72 1.42 1.21
Price to free cash flow 17.38 10.10 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.03 2.64 2.27
Earnings yield 6.46% 7.13% 8.11%
Free cash flow yield 5.76% 9.91% 8.98%

Profitability

Metric HBT OSBC Banks Regional median
Gross margin 80.95% 83.46% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.44% 20.22% 18.66%
Free cash flow margin 22.88% 27.71% 21.18%
Return on equity 11.56% 11.40% 10.64%
Return on assets 1.32% 1.47% 1.13%
Return on invested capital 8.43% 9.36% 8.33%

Growth

Metric HBT OSBC Banks Regional median
Revenue growth (TTM) 13.30% 33.08% 6.61%
EPS growth (last fiscal year) 7.96% (13.37%) —
Revenue growth, 5-year CAGR 13.15% 23.16% 12.30%
Net income growth, 5-year CAGR 15.94% 23.61% 9.71%

Health

Metric HBT OSBC Banks Regional median
Debt to equity 0.20 0.08 0.22
Current ratio 0.84 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBT OSBC Banks Regional median
Dividend yield 3.99% 1.60% 3.75%
Payout ratio 0.35 0.10 0.27

Size

Metric HBT OSBC Banks Regional median
Market cap 1.30b 1.26b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack