61.77 USD
-0.54 (-0.87%)
61.77 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BHRB. BHRB was compared to 387 industry peers in the Banks industry. BHRB has a medium profitability rating, but doesn't score so well on its financial health evaluation. BHRB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
BHRB had positive earnings in the past year.
In the past year BHRB had a positive cash flow from operations.
BHRB had positive earnings in each of the past 5 years.
BHRB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of BHRB (1.34%) is better than 83.98% of its industry peers.
BHRB's Return On Equity of 12.89% is amongst the best of the industry. BHRB outperforms 85.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 12.89% | ||
| ROIC | N/A |
ROA(3y)0.77%
ROA(5y)0.82%
ROE(3y)9.37%
ROE(5y)8.85%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 31.35%, BHRB belongs to the top of the industry, outperforming 83.72% of the companies in the same industry.
BHRB's Profit Margin has declined in the last couple of years.
BHRB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.35% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.05%
PM growth 5Y-3.31%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BHRB does not have a ROIC to compare to the WACC, probably because it is not profitable.
BHRB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BHRB has more shares outstanding
BHRB has a better debt/assets ratio than last year.
2.2 Solvency
BHRB has a debt to FCF ratio of 3.73. This is a good value and a sign of high solvency as BHRB would need 3.73 years to pay back of all of its debts.
The Debt to FCF ratio of BHRB (3.73) is worse than 65.37% of its industry peers.
BHRB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
BHRB's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. BHRB outperforms 65.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 295.20% over the past year.
Measured over the past years, BHRB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.41% on average per year.
BHRB shows a strong growth in Revenue. In the last year, the Revenue has grown by 63.61%.
The Revenue has been growing by 19.52% on average over the past years. This is quite good.
EPS 1Y (TTM)295.2%
EPS 3Y-16.68%
EPS 5Y-49.41%
EPS Q2Q%8.24%
Revenue 1Y (TTM)63.61%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%1.86%
3.2 Future
The Earnings Per Share is expected to grow by 5.62% on average over the next years.
Based on estimates for the next years, BHRB will show a quite strong growth in Revenue. The Revenue will grow by 13.14% on average per year.
EPS Next Y13.24%
EPS Next 2Y6.52%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue Next Year29.81%
Revenue Next 2Y17.25%
Revenue Next 3Y13.14%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.23, which indicates a very decent valuation of BHRB.
Based on the Price/Earnings ratio, BHRB is valued cheaper than 92.25% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, BHRB is valued rather cheaply.
The Price/Forward Earnings ratio is 7.95, which indicates a rather cheap valuation of BHRB.
87.08% of the companies in the same industry are more expensive than BHRB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (23.23), we can say BHRB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.23 | ||
| Fwd PE | 7.95 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHRB indicates a rather cheap valuation: BHRB is cheaper than 88.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y6.52%
EPS Next 3Y5.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.53%, BHRB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.78, BHRB pays a bit more dividend than its industry peers.
BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
5.2 History
The dividend of BHRB decreases each year by -49.11%.
BHRB has paid a dividend for at least 10 years, which is a reliable track record.
BHRB has decreased its dividend recently.
Dividend Growth(5Y)-49.11%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
31.98% of the earnings are spent on dividend by BHRB. This is a low number and sustainable payout ratio.
DP31.98%
EPS Next 2Y6.52%
EPS Next 3Y5.62%
61.77
-0.54 (-0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.53%
Inst Owner Change0%
Ins Owners11%
Ins Owner Change0.17%
Market Cap928.40M
Revenue(TTM)337.98M
Net Income(TTM)105.95M
Analysts84.44
Price Target73.78 (19.44%)
Short Float %2.04%
Short Ratio4.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.53% |
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP31.98%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.7%
Min EPS beat(2)5.23%
Max EPS beat(2)6.16%
EPS beat(4)2
Avg EPS beat(4)2.15%
Min EPS beat(4)-2.51%
Max EPS beat(4)6.16%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.96%
Min Revenue beat(2)-3.15%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-2.78%
Min Revenue beat(4)-4.61%
Max Revenue beat(4)-0.76%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)2.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.23 | ||
| Fwd PE | 7.95 | ||
| P/S | 2.75 | ||
| P/FCF | 6.42 | ||
| P/OCF | 6.03 | ||
| P/B | 1.13 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.51
EY12.16%
EPS(NY)7.77
Fwd EY12.58%
FCF(TTM)9.61
FCFY15.56%
OCF(TTM)10.24
OCFY16.57%
SpS22.49
BVpS54.71
TBVpS49.41
PEG (NY)0.62
PEG (5Y)N/A
Graham Number96.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 12.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.35% | ||
| GM | N/A | ||
| FCFM | 42.75% |
ROA(3y)0.77%
ROA(5y)0.82%
ROE(3y)9.37%
ROE(5y)8.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.05%
PM growth 5Y-3.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 40.31% | ||
| Cap/Sales | 2.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.2%
ROIC/WACCN/A
Cap/Depr(3y)426.06%
Cap/Depr(5y)280.76%
Cap/Sales(3y)11.2%
Cap/Sales(5y)7.41%
Profit Quality(3y)147.57%
Profit Quality(5y)133.78%
High Growth Momentum
Growth
EPS 1Y (TTM)295.2%
EPS 3Y-16.68%
EPS 5Y-49.41%
EPS Q2Q%8.24%
EPS Next Y13.24%
EPS Next 2Y6.52%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue 1Y (TTM)63.61%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%1.86%
Revenue Next Year29.81%
Revenue Next 2Y17.25%
Revenue Next 3Y13.14%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y187.45%
FCF growth 3Y14.67%
FCF growth 5Y27.71%
OCF growth 1Y101.84%
OCF growth 3Y16.01%
OCF growth 5Y27.29%
BURKE & HERBERT FINANCIAL SE / BHRB FAQ
What is the fundamental rating for BHRB stock?
ChartMill assigns a fundamental rating of 4 / 10 to BHRB.
What is the valuation status for BHRB stock?
ChartMill assigns a valuation rating of 7 / 10 to BURKE & HERBERT FINANCIAL SE (BHRB). This can be considered as Undervalued.
What is the profitability of BHRB stock?
BURKE & HERBERT FINANCIAL SE (BHRB) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for BHRB stock?
The Price/Earnings (PE) ratio for BURKE & HERBERT FINANCIAL SE (BHRB) is 8.23 and the Price/Book (PB) ratio is 1.13.
How financially healthy is BURKE & HERBERT FINANCIAL SE?
The financial health rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 2 / 10.