(BHRB) Burke & Herbert Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.253m USD | Total Return: 16.9% in 12m
Avg Turnover: 9.48M
EPS Trend: 78.5%
Qual. Beats: 0
Rev. Trend: 94.4%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Burke & Herbert Financial Services Corp. (BHRB) is a bank holding company for Burke & Herbert Bank & Trust Company, providing community banking, wealth management, and treasury services. Headquartered in Alexandria, Virginia, the institution serves consumer and commercial clients through a diverse portfolio of deposit products and loan structures, including commercial real estate and residential mortgages.
Operating within the regional banking sector, the company utilizes a relationship-based business model that prioritizes localized credit decisions and deposit gathering. Regional banks often face unique regulatory requirements and interest rate sensitivities compared to larger money-center institutions. Investors can further evaluate these risk factors and historical performance metrics on ValueRay.
The companys service suite extends to sophisticated cash management and fraud protection for small businesses and commercial enterprises. Founded in 1852, it remains one of the oldest continuously operating banks in the Commonwealth of Virginia, maintaining a long-standing presence in the Mid-Atlantic market.
- Commercial real estate loan performance impacts credit quality and provision for losses
- Net interest margin fluctuates with Federal Reserve interest rate policy shifts
- Integration of Summit Financial Group merger determines long-term operational efficiency
- Wealth and trust services growth provides critical non-interest fee revenue
- Northern Virginia economic health dictates regional loan demand and deposit growth
| 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 0.61%; Δ 6.94k% > 0.5%) |
| Asset Turnover: 6.17% > 50% (prev 6.05%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 1.00 > 6 (EBITDA TTM 167.7m / Interest Expense TTM 144.9m) |
| 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: 0.07 (Book Value of Equity 474.6m / Total Liabilities 7.06b) |
| Altman-Z'' = 0.07 = B |
| DSRI: 1.06 (Receivables 37.6m/34.5m, Revenue 486.1m/474.2m) |
| GMI: 0.87 (GM 69.98% / 60.57%) |
| 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 |
As of May 24, 2026, the stock is trading at USD 62.77 with a total of 146,082 shares traded.
Over the past week, the price has changed by +2.11%,
over one month by -1.68%,
over three months by -2.97% and
over the past year by +16.94%.
Burke & Herbert Financial has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy BHRB.
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 73.3 | 16.7% |
P/S = 3.6753
P/B = 1.4502
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 = 1.80b USD (1.25b + Debt 613.8m - CCE 69.6m)
Interest Coverage Ratio = 1.00 (Ebit TTM 145.4m / Interest Expense TTM 144.9m)
EV/FCF = 21.15x (Enterprise Value 1.80b / FCF TTM 85.0m)
FCF Yield = 4.73% (FCF TTM 85.0m / Enterprise Value 1.80b)
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 = 0.23 (Enterprise Value 1.80b / Total Assets 7.93b)
Interest Expense / Debt = 23.60% (Interest Expense 144.9m / Debt 613.8m)
Taxrate = 17.88% (5.95m / 33.3m)
NOPAT = 119.4m (EBIT 145.4m * (1 - 17.88%))
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 = 1.52% (NOPAT 119.4m / Invested Capital 7.86b)
WACC = 12.25% (E(1.25b)/V(1.87b) * Re(8.75%) + D(613.8m)/V(1.87b) * Rd(23.60%) * (1-Tc(0.18)))
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 49.44 | Cagr: 35.97%
[DCF] Terminal Value 63.08% ; FCFF base≈85.0m ; Y1≈85.4m ; Y5≈90.6m
[DCF] Fair Price = 15.04 (EV 847.3m - Net Debt 544.2m = Equity 303.1m / Shares 20.1m; r=12.25% [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=+7.36% | Revisions=+14% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.05 | Chg30d=-11.15% | Revisions=-14% | Analysts=4
EPS current Year (2026-12-31): EPS=7.66 | Chg30d=-1.89% | Revisions=+43% | GrowthEPS=-0.8% | GrowthRev=+28.6%
EPS next Year (2027-12-31): EPS=8.82 | Chg30d=-0.19% | Revisions=+0% | GrowthEPS=+9.2% | GrowthRev=+12.5%
[Analyst] Revisions Ratio: +43%