HBT Financial, Inc. (HBT) vs Peoples Bancorp Inc. (PEBO)

HBT Financial, Inc. and Peoples Bancorp Inc. are both Banks Regional companies. HBT Financial, Inc. and Peoples Bancorp Inc. are of similar size ($1.4B and $1.3B). Peoples Bancorp Inc. trades at the lower P/E: 11.7× against 15.5×. HBT Financial, Inc. grew revenue faster over the last twelve months: 13.3% against −0.12%. HBT Financial, Inc. has the higher net margin (23.4% vs 19.2%) and the higher return on invested capital (8.43% vs 7.67%). Both pay a dividend; Peoples Bancorp Inc. yields more (5.66% vs 3.99%). Across the 20 metrics below, Peoples Bancorp Inc. leads on 12 and HBT Financial, Inc. on 8.

Valuation

Metric HBT PEBO Banks Regional median
P/E 15.49 11.74 12.15
P/S 3.98 2.24 2.37
P/B 1.72 1.12 1.21
Price to free cash flow 17.38 10.11 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.03 2.20 2.27
Earnings yield 6.46% 8.52% 8.11%
Free cash flow yield 5.76% 9.89% 8.98%

Profitability

Metric HBT PEBO Banks Regional median
Gross margin 80.95% 75.31% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.44% 19.17% 18.66%
Free cash flow margin 22.88% 22.13% 21.18%
Return on equity 11.56% 9.89% 10.64%
Return on assets 1.32% 1.24% 1.13%
Return on invested capital 8.43% 7.67% 8.33%

Growth

Metric HBT PEBO Banks Regional median
Revenue growth (TTM) 13.30% (0.12%) 6.61%
EPS growth (last fiscal year) 7.96% (9.67%) —
Revenue growth, 5-year CAGR 13.15% 22.87% 12.30%
Net income growth, 5-year CAGR 15.94% 25.16% 9.71%

Health

Metric HBT PEBO Banks Regional median
Debt to equity 0.20 0.13 0.22
Current ratio 0.84 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBT PEBO Banks Regional median
Dividend yield 3.99% 5.66% 3.75%
Payout ratio 0.35 0.44 0.27

Size

Metric HBT PEBO Banks Regional median
Market cap 1.30b 1.40b 921.07m

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