HBT Financial, Inc. (HBT) vs Tompkins Financial Corporation (TMP)

HBT Financial, Inc. and Tompkins Financial Corporation are both Banks Regional companies. HBT Financial, Inc. and Tompkins Financial Corporation are of similar size ($1.4B and $1.3B). Tompkins Financial Corporation trades at the lower P/E: 7.9× against 15.2×. Tompkins Financial Corporation grew revenue faster over the last twelve months: 28.2% against 13.3%. Tompkins Financial Corporation has the higher net margin (30.1% vs 23.4%) and the higher return on invested capital (11.2% vs 8.43%). Both pay a dividend; Tompkins Financial Corporation yields more (2.76% vs 2.59%). Across the 19 metrics below, Tompkins Financial Corporation leads on 12 and HBT Financial, Inc. on 7.

Valuation

Metric HBT TMP Banks Regional median
P/E 15.21 7.94 11.98
P/S 3.90 2.39 2.34
P/B 1.69 1.45 1.19
Price to free cash flow 17.05 27.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.58% 12.59% 8.23%
Free cash flow yield 5.86% 3.66% 9.08%

Profitability

Metric HBT TMP Banks Regional median
Gross margin 80.95% 77.87% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.44% 30.13% 18.66%
Free cash flow margin 22.88% 8.73% 21.11%
Return on equity 11.56% 20.36% 10.65%
Return on assets 1.32% 2.04% 1.13%
Return on invested capital 8.43% 11.22% 8.35%

Growth

Metric HBT TMP Banks Regional median
Revenue growth (TTM) 13.30% 28.16% 6.98%
EPS growth (last fiscal year) 7.96% 126.16% 18.88%
Revenue growth, 5-year CAGR 13.15% 12.02% 12.38%
Net income growth, 5-year CAGR 15.94% 15.73% 9.71%

Health

Metric HBT TMP Banks Regional median
Debt to equity 0.20 0.57 0.22
Current ratio 0.84 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBT TMP Banks Regional median
Dividend yield 2.59% 2.76% 2.57%
Payout ratio 0.39 0.22 0.30

Size

Metric HBT TMP Banks Regional median
Market cap 1.29b 1.40b 913.33m

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