HBT Financial, Inc. (HBT) vs Peoples Bancorp Inc. (PEBO)
A side-by-side comparison of HBT Financial, Inc. and Peoples Bancorp 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 — HBT vs PEBO
growth of $100 · dividends reinvested · last 7yHBT vs PEBO: by the numbers
- •PEBO is the larger company ($1.32B vs $1.32B market cap).
- •PEBO trades at the lower trailing earnings multiple (11.10 vs 15.58 P/E), one valuation lens rather than an overall verdict.
- •HBT converts more revenue to profit (23.46% vs 19.75% net margin).
- •PEBO grew revenue faster over the past five years (22.72% vs 15.41% CAGR).
- •PEBO pays the higher dividend yield (4.47% vs 2.53%).
Metrics side by side
Valuation
| Metric | HBT | PEBO |
|---|---|---|
| P/E ratio | 15.58 | 11.10 |
| Forward P/E | 11.95 | 10.07 |
| PEG ratio | 1.22 | 0.96 |
| P/S ratio | 3.98 | 2.19 |
| P/B ratio | 1.73 | 1.07 |
Profitability
| Metric | HBT | PEBO |
|---|---|---|
| Operating margin | 31.83% | 21.65% |
| Net margin | 23.46% | 19.75% |
| ROE | 10.17% | 9.64% |
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.
Peoples Bancorp 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 | HBT | PEBO |
|---|---|---|
| Dividend yield | 2.53% | 4.47% |
| Payout ratio | 39.48% | 50.15% |
Growth (annualized)
| Metric | HBT | PEBO |
|---|---|---|
| Revenue CAGR (5Y) | 15.41% | 22.72% |
| EPS CAGR (5Y) | 12.74% | 11.73% |
| Total return CAGR (5Y) | 21.72% | 7.96% |
Frequently asked
- Which has the lower trailing P/E, HBT or PEBO?
- PEBO has the lower trailing P/E: HBT trades at 15.58 and PEBO at 11.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, HBT or PEBO?
- Over the past five years, PEBO grew revenue faster — HBT at a 15.41% CAGR versus PEBO at 22.72%.
- Does HBT or PEBO pay a bigger dividend?
- HBT yields 2.53% and PEBO yields 4.47% based on trailing dividends and the latest price.
- Is HBT or PEBO more profitable?
- HBT runs the higher net margin — HBT at 23.46% versus PEBO at 19.75%.
- How have HBT and PEBO total returns compared?
- Over the past 5 years, HBT delivered 21.72% and PEBO delivered 7.96% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
HBT Financial & Peoples Bancorp 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.