Burke & Herbert Financial Services Corp. (BHRB) vs HBT Financial, Inc. (HBT)
A side-by-side comparison of Burke & Herbert Financial Services Corp. and HBT Financial, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BHRB vs HBT
growth of $100 · dividends reinvested · last 7yBHRB vs HBT: by the numbers
- •BHRB is the larger company ($1.40B vs $1.33B market cap).
- •BHRB trades at the lower trailing earnings multiple (11.11 vs 15.65 P/E), one valuation lens rather than an overall verdict.
- •HBT converts more revenue to profit (23.46% vs 21.89% net margin).
- •BHRB grew revenue faster over the past five years (30.19% vs 15.41% CAGR).
- •BHRB pays the higher dividend yield (3.18% vs 2.53%).
Metrics side by side
Valuation
| Metric | BHRB | HBT |
|---|---|---|
| P/E ratio | 11.11 | 15.65 |
| Forward P/E | 9.18 | 12.00 |
| PEG ratio | 0.60 | 1.23 |
| P/S ratio | 3.16 | 4.00 |
| P/B ratio | 1.18 | 1.73 |
Profitability
| Metric | BHRB | HBT |
|---|---|---|
| Operating margin | 27.12% | 31.83% |
| Net margin | 21.89% | 23.46% |
| ROE | 8.07% | 10.17% |
Burke & Herbert Financial Services Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
HBT Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BHRB | HBT |
|---|---|---|
| Dividend yield | 3.18% | 2.53% |
| Payout ratio | 35.14% | 39.48% |
Growth (annualized)
| Metric | BHRB | HBT |
|---|---|---|
| Revenue CAGR (5Y) | 30.19% | 15.41% |
| EPS CAGR (5Y) | 18.55% | 12.74% |
| Total return CAGR (5Y) | 8.92% | 21.72% |
Frequently asked
- Which has the lower trailing P/E, BHRB or HBT?
- BHRB has the lower trailing P/E: BHRB trades at 11.11 and HBT at 15.65. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BHRB or HBT?
- Over the past five years, BHRB grew revenue faster — BHRB at a 30.19% CAGR versus HBT at 15.41%.
- Does BHRB or HBT pay a bigger dividend?
- BHRB yields 3.18% and HBT yields 2.53% based on trailing dividends and the latest price.
- Is BHRB or HBT more profitable?
- HBT runs the higher net margin — BHRB at 21.89% versus HBT at 23.46%.
- How have BHRB and HBT total returns compared?
- Over the past 5 years, BHRB delivered 8.92% and HBT delivered 21.72% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Burke & Herbert Financial Services & HBT Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.