BHRB Stock Analysis: Burke & Herbert Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.384m USD | 12M Return: 16.4% | US12135Y1082 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.18M
EPS Trend: 86.3%
Qual. Beats: 0
Rev. Trend: 89.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Burke & Herbert Financial Services Corp. (BHRB) is a bank holding company that operates Burke & Herbert Bank & Trust Company, a community bank offering consumer and commercial deposit products-including checking, money market, savings accounts, and certificates of deposit-alongside a broad lending portfolio spanning commercial real estate, residential mortgages, commercial and industrial loans, and consumer credit.
In addition to traditional banking, the company provides digital and mobile banking, cash management, treasury management, merchant services, and wealth and trust services for both retail and small business customers. Founded in 1852, the bank is headquartered in Alexandria, Virginia, and is classified within the regional banks sub-industry of the financials sector, serving primarily the Mid-Atlantic community banking market.
- Net interest margin compression pressures profitability as rates decline
- CRE loan concentration draws heightened regulatory scrutiny
- Deposit costs rise amid intense regional banking competition
| Net Income: 97.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.81 > 1.0 |
| NWC/Revenue: 361.9% < 20% (prev -1.05k%; Δ 1.41k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 97.1m > Net Income 97.1m |
| Net Debt (-1.40b) to EBITDA (131.3m): -10.68 < 3 |
| Current Ratio: 4.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.1m) vs 12m ago 0.72% < -2% |
| Gross Margin: 68.13% > 18% (prev 66.55%; Δ 1.58% > 0.5%) |
| Asset Turnover: 4.66% > 50% (prev 6.12%; Δ -1.47% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBIT TTM 120.2m / Interest Expense TTM 140.8m) |
| A: 0.15 (Total Current Assets 2.13b - Total Current Liabilities 525.0m) / Total Assets 11.0b |
| B: 0.05 (Retained Earnings 533.9m / Total Assets 11.0b) |
| C: 0.01 (EBIT TTM 120.2m / Avg Total Assets 9.52b) |
| D: 0.12 (Book Value of Equity 1.20b / Total Liabilities 9.79b) |
| Altman-Z'' = 1.33 = BB |
| DSRI: 1.57 (Receivables 50.0m/35.5m, Revenue 443.3m/493.1m) |
| GMI: 0.98 (GM 66.55% / 68.13%) |
| AQI: 1.06 (AQ_t 0.79 / AQ_t-1 0.75) |
| SGI: 0.90 (Revenue 443.3m / 493.1m) |
| TATA: -0.00 (NI 97.1m - CFO 97.1m) / TA 11.0b) |
| Beneish M = -2.62 (Cap -4..+1) = A |
As of October 06, 2026, the stock is trading at USD 69.28 with a total of 113,466 shares traded. Over the past week, the price has changed by +0.32%, over one month by -3.24%, over three months by +0.16% and over the past year by +16.36%.
Current recommended Stop Loss: 66.40 (which is 4.2% or 2.1 ATR below the current price).
Burke & Herbert Financial has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy BHRB.
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 80 | 15.5% |
P/E Trailing = 11.2193
P/S = 3.8426
P/B = 1.1767
Revenue TTM = 443.3m USD
EBIT TTM = 120.2m USD
EBITDA TTM = 131.3m USD
Long Term Debt = 152.2m USD (from longTermDebt, last quarter)
Short Term Debt = 525.0m USD (from shortTermDebt, last quarter)
Debt = 677.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.40b USD (calculated: Debt 677.2m - CCE 2.08b)
Enterprise Value = 1.38b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.85 (Ebit TTM 120.2m / Interest Expense TTM 140.8m)
EV/FCF = 16.00x (Enterprise Value 1.38b / FCF TTM 86.5m)
FCF Yield = 6.25% (FCF TTM 86.5m / Enterprise Value 1.38b)
FCF Margin = 19.51% (FCF TTM 86.5m / Revenue TTM 443.3m)
Net Margin = 21.89% (Net Income TTM 97.1m / Revenue TTM 443.3m)
Gross Margin = 68.13% ((Revenue TTM 443.3m - Cost of Revenue TTM 141.3m) / Revenue TTM)
Gross Margin QoQ = 58.30% (prev 71.58%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.38b / Total Assets 11.0b)
Interest Expense / Debt = 20.79% (Interest Expense 140.8m / Debt 677.2m)
Taxrate = 19.28% (23.2m / 120.2m)
NOPAT = 97.1m (EBIT 120.2m * (1 - 19.28%))
Current Ratio = 4.06 (Total Current Assets 2.13b / Total Current Liabilities 525.0m)
Debt / Equity = 0.56 (Debt 677.2m / totalStockholderEquity, last quarter 1.20b)
Debt / EBITDA = -10.68 (Net Debt -1.40b / EBITDA 131.3m)
Debt / FCF = -16.21 (Net Debt -1.40b / FCF TTM 86.5m)
Total Stockholder Equity = 936.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 97.1m / Total Assets 11.0b)
RoE = 10.37% (Net Income TTM 97.1m / Total Stockholder Equity 936.2m)
RoCE = 11.05% (EBIT 120.2m / Capital Employed (Equity 936.2m + L.T.Debt 152.2m))
RoIC = 0.88% (NOPAT 97.1m / Invested Capital 11.0b)
WACC = 10.99% (E(1.38b)/V(2.06b) * Re(8.16%) + D(677.2m)/V(2.06b) * Rd(20.79%) * (1-Tc(0.19)))
Discount Rate = 8.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 70.32 | Cagr: 36.39%
[DCF] Terminal Value 63.91% ; FCFF base≈103.3m ; Y1≈90.6m ; Y5≈73.2m
[DCF] Fair Price = 110.1 (EV 820.4m - Net Debt -1.40b = Equity 2.22b / Shares 20.2m; r=10.99% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 86.26 | EPS CAGR: 46.14% | SUE: -0.27 | # QB: 0
Revenue Correlation: 89.72 | Revenue CAGR: 60.89% | SUE: -0.56 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.06 | Chg30d=-4.92% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=6.84 | Chg30d=-10.67% | Revisions=-40% | GrowthEPS=-11.4% | GrowthRev=+26.6%
EPS next Year (2027-12-31): EPS=8.75 | Chg30d=-0.72% | Revisions=-17% | GrowthEPS=+9.8% | GrowthRev=+12.6%
[Analyst] Revisions Ratio: -50% (up=1, down=6)