HBT Financial vs MID Penn Bancorp
HBT Financial and MID Penn Bancorp are similar in size: $237m and $226m of revenue in their latest fiscal years. MID Penn Bancorp grew faster (26.1% against 5.6%). HBT Financial kept more of each dollar of sales as profit: a net margin of 32.5% against 24.9%.
| Latest fiscal year | HBT FinancialHBT, 2025 | MID Penn BancorpMPB, 2025 |
|---|---|---|
| Revenue | $237m | $226m |
| Revenue growth | 5.6% | 26.1% |
| Net income | $77.0m | $56.2m |
| Operating margin | — | — |
| Net margin | 32.5% | 24.9% |
| Return on equity | 13.3% | 7.7% |
| Free cash flow | $85.1m | $71.8m |
| Cash | $122m | — |
| Total debt | $0 | $20.8m |
| Debt to equity | — | — |
| Dividend per share | $0.84 | $0.84 |
| Dividend yield | 2.1% | 2.5% |
| Share buybacks | $4.5m | $2.3m |
| Employees | 826 | — |
| Market value | $1.35bn | $865m |
| Price vs our value range | — | — |
| Moat score | 73 (Strong) | 51 (Moderate) |
| Insider trades, 12 months | 1 buys, 5 sales | 38 buys, 1 sales |