BHRB Stock Analysis: Burke & Herbert Financial | NASDAQ

Banks - Regional | NASDAQ, USA | Market Cap: 1.404m USD | 12M Return: 15.5% | Charts, Fundamentals & Technical Analysis

Consumer Banking, Commercial Lending, Digital Banking, Wealth Management
Total Rating 40
Safety 60
Buy Signal -0.54
Banks - Regional
Industry Rotation: +3.8
Market Cap: 1.40B
Avg Turnover: 14.5M
Risk 3d forecast
Volatility27.4%
VaR 5th Pctl4.48%
VaR vs Median-0.76%
Reward TTM
Sharpe Ratio0.53
Rel. Str. IBD55.7
Rel. Str. Peer Group26.3
Character TTM
Beta0.714
Beta Downside0.753
Hurst Exponent0.537
Drawdowns 3y
Max DD30.83%
CAGR/Max DD0.39
CAGR/Mean DD1.04
EPS (Earnings per Share) EPS (Earnings per Share) of BHRB over the last years for every Quarter: "2021-06": 49.88, "2021-09": null, "2021-12": null, "2022-03": 1.22, "2022-06": 56.0201, "2022-09": 1.5002, "2022-12": 1.78, "2023-03": 1.0026, "2023-06": 0.8029, "2023-09": 0.5409, "2023-12": 0.67, "2024-03": 0.6924, "2024-06": 2.04, "2024-09": 1.98, "2024-12": 1.77, "2025-03": 1.8, "2025-06": 1.97, "2025-09": 1.97, "2025-12": 1.98, "2026-03": 1.79,
EPS CAGR: 39.61%
EPS Trend: 78.5%
Last SUE: -0.08
Qual. Beats: 0
Revenue Revenue of BHRB over the last years for every Quarter: 2021-06: 29.774, 2021-09: 29.883, 2021-12: 29.193, 2022-03: 28.367, 2022-06: 31.038, 2022-09: 33.526, 2022-12: 36.789, 2023-03: 38.113, 2023-06: 41.258, 2023-09: 41.087, 2023-12: 42.228, 2024-03: 42.448, 2024-06: 104.494, 2024-09: 127.502, 2024-12: 122.485, 2025-03: 119.677, 2025-06: 123.421, 2025-09: 121.594, 2025-12: 122.774, 2026-03: 118.308999,
Rev. CAGR: 71.63%
Rev. Trend: 94.4%
Last SUE: 0.53
Qual. Beats: 0

Warnings

Choppy

Tailwinds

No distinct edge detected

Seasonality 10.5 years of data

Jan +1.5% 26
Feb +0.1% 2
Mar -1.5% 25
Apr -0.1% 0
May -0.1% 11
Jun -0.7% 12
Jul -1.8% 23
Aug +1.0% 11
Sep -0.7% 11
Oct +0.5% 6
Nov +5.3% 52
Dec -0.3% 11

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.

Description: BHRB Burke & Herbert Financial

Burke & Herbert Financial Services Corp. (NASDAQ: BHRB) is a bank holding company that operates Burke & Herbert Bank & Trust Company, a community bank founded in 1852 and headquartered in Alexandria, Virginia. The company provides traditional community banking services across consumer and commercial segments, including a full suite of deposit products (checking, savings, money market, and certificates of deposit) and a diverse loan portfolio covering commercial real estate, residential mortgages, commercial and industrial, consumer loans, and acquisition/construction/development lending.

In addition to core lending and deposit services, BHRB generates fee-based revenue through wealth and trust services, cash management, and digital banking tools for retail and business clients. Its business solutions platform offers treasury management features such as ACH processing, wires, remote deposit capture, fraud protection, merchant services, and cash flow automation, positioning the bank as a relationship-based provider for small businesses and commercial customers within its footprint. As a regional bank holding company under the GICS Financials classification, BHRB operates under the dual regulatory framework applicable to U.S. bank holding companies and state-chartered banks.

Headlines to Watch Out For
  • Net interest margin compresses as Fed cuts rates
  • Commercial real estate loan concentration raises credit risk
  • Wealth and trust fee income diversifies beyond lending
Piotroski VR-10 (Strict) 3.5
Net Income: 117.5m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.01 > 1.0
NWC/Revenue: -85.95% < 20% (prev 260.4%; Δ -346.3% < -1%)
CFO/TA 0.01 > 3% & CFO 96.8m > Net Income 117.5m
Net Debt (544.2m) to EBITDA (167.7m): 3.25 < 3
Current Ratio: 0.20 > 1.5 & < 3
Outstanding Shares: last quarter (15.1m) vs 12m ago 0.70% < -2%
Gross Margin: 69.98% > 18% (prev 60.57%; Δ 9.41% > 0.5%)
Asset Turnover: 6.17% > 50% (prev 6.05%; Δ 0.12% > 0%)
Interest Coverage Ratio: 1.00 > 6 (EBIT TTM 145.4m / Interest Expense TTM 144.9m)
Altman Z'' 0.13
A: -0.05 (Total Current Assets 107.2m - Total Current Liabilities 525.0m) / Total Assets 7.93b
B: 0.07 (Retained Earnings 535.8m / Total Assets 7.93b)
C: 0.02 (EBIT TTM 145.4m / Avg Total Assets 7.88b)
D: 0.12 (Book Value of Equity 864.5m / Total Liabilities 7.06b)
Altman-Z'' = 0.13 = B
Beneish M -2.94
DSRI: 1.06 (Receivables 37.6m/34.5m, Revenue 486.1m/474.2m)
GMI: 0.87 (GM 60.57% / 69.98%)
AQI: 1.23 (AQ_t 0.97 / AQ_t-1 0.79)
SGI: 1.03 (Revenue 486.1m / 474.2m)
TATA: 0.00 (NI 117.5m - CFO 96.8m) / TA 7.93b)
Beneish M = -2.94 (Cap -4..+1) = A
What is the price of BHRB shares?

As of July 08, 2026, the stock is trading at USD 69.76 with a total of 137,018 shares traded. Over the past week, the price has changed by -3.07%, over one month by +6.91%, over three months by +11.91% and over the past year by +15.48%.

Current recommended Stop Loss: 65.30 (which is 6.4% or 2.6 ATR below the current price).

Is BHRB a buy, sell or hold?

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

What are the forecasts/targets for the BHRB price?
Analysts Target Price 73.3 5%
Burke & Herbert Financial (BHRB) - Fundamental Data Overview as of 08 July 2026
Market Cap USD = 1.40b (1.40b USD * 1.0 USD.USD)
P/E Trailing = 9.0507
P/S = 4.1192
P/B = 1.6562
Revenue TTM = 486.1m USD
EBIT TTM = 145.4m USD
EBITDA TTM = 167.7m USD
Long Term Debt = 88.8m USD (from longTermDebt, last quarter)
Short Term Debt = 525.0m USD (from shortTermDebt, last quarter)
Debt = 613.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 544.2m USD (calculated: Debt 613.8m - CCE 69.6m)
Enterprise Value = 1.95b USD (1.40b + Debt 613.8m - CCE 69.6m)
Interest Coverage Ratio = 1.00 (Ebit TTM 145.4m / Interest Expense TTM 144.9m)
EV/FCF = 22.93x (Enterprise Value 1.95b / FCF TTM 85.0m)
FCF Yield = 4.36% (FCF TTM 85.0m / Enterprise Value 1.95b)
FCF Margin = 17.48% (FCF TTM 85.0m / Revenue TTM 486.1m)
Net Margin = 24.16% (Net Income TTM 117.5m / Revenue TTM 486.1m)
Gross Margin = 69.98% ((Revenue TTM 486.1m - Cost of Revenue TTM 145.9m) / Revenue TTM)
Gross Margin QoQ = 71.58% (prev 70.39%)
Tobins Q-Ratio = 0.25 (Enterprise Value 1.95b / Total Assets 7.93b)
Interest Expense / Debt = 23.60% (Interest Expense 144.9m / Debt 613.8m)
Taxrate = 19.22% (27.9m / 145.4m)
NOPAT = 117.5m (EBIT 145.4m * (1 - 19.22%))
Current Ratio = 0.20 (Total Current Assets 107.2m / Total Current Liabilities 525.0m)
Debt / Equity = 0.71 (Debt 613.8m / totalStockholderEquity, last quarter 864.5m)
Debt / EBITDA = 3.25 (Net Debt 544.2m / EBITDA 167.7m)
Debt / FCF = 6.40 (Net Debt 544.2m / FCF TTM 85.0m)
Total Stockholder Equity = 830.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 117.5m / Total Assets 7.93b)
RoE = 14.15% (Net Income TTM 117.5m / Total Stockholder Equity 830.4m)
RoCE = 15.82% (EBIT 145.4m / Capital Employed (Equity 830.4m + L.T.Debt 88.8m))
RoIC = 1.49% (NOPAT 117.5m / Invested Capital 7.90b)
WACC = 11.71% (E(1.40b)/V(2.02b) * Re(8.49%) + D(613.8m)/V(2.02b) * Rd(23.60%) * (1-Tc(0.19)))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 49.44 | Cagr: 35.97%
[DCF] Terminal Value 64.64% ; FCFF base≈85.0m ; Y1≈85.4m ; Y5≈90.6m
[DCF] Fair Price = 17.49 (EV 896.7m - Net Debt 544.2m = Equity 352.4m / Shares 20.1m; r=11.71% [WACC]; 5y FCF grow 0.09% → 2.50% )
EPS Correlation: 78.54 | EPS CAGR: 39.61% | SUE: -0.08 | # QB: 0
Revenue Correlation: 94.36 | Revenue CAGR: 71.63% | SUE: 0.53 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.99 | Chg30d=+0.00% | Revisions=+17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.05 | Chg30d=+0.00% | Revisions=-40% | Analysts=4
EPS current Year (2026-12-31): EPS=7.66 | Chg30d=+0.00% | Revisions=+29% | GrowthEPS=-0.8% | GrowthRev=+28.5%
EPS next Year (2027-12-31): EPS=8.82 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+9.2% | GrowthRev=+12.5%
[Analyst] Revisions Ratio: +7% (up=6, down=5)