BHRB Fundamental Analysis - BURKE & HERBERT FINANCIAL SE

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BHRB. BHRB was compared to 393 industry peers in the Banks industry. BHRB has a bad profitability rating. Also its financial health evaluation is rather negative. BHRB is not valued too expensively and it also shows a decent growth rate.

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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.

In the past 5 years BHRB always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of BHRB (0.72%) is comparable to the rest of the industry.

BHRB has a Return On Equity (7.49%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.72%
ROE	7.49%
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

With a Profit Margin value of 17.83%, BHRB is not doing good in the industry: 68.70% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of BHRB has declined.

The Operating Margin and Gross Margin are not available for BHRB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.83%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BHRB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BHRB has more shares outstanding

Compared to 5 years ago, BHRB has more shares outstanding

The debt/assets ratio for BHRB has been reduced compared to a year ago.

2.2 Solvency

BHRB has a debt to FCF ratio of 3.74. This is a good value and a sign of high solvency as BHRB would need 3.74 years to pay back of all of its debts.

BHRB's Debt to FCF ratio of 3.74 is on the low side compared to the rest of the industry. BHRB is outperformed by 62.85% of its industry peers.

A Debt/Equity ratio of 0.15 indicates that BHRB is not too dependend on debt financing.

The Debt to Equity ratio of BHRB (0.15) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	3.74
Altman-Z	N/A

ROIC/WACCN/A

WACC14.18%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BHRB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.67%, which is quite impressive.

BHRB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.41% yearly.

Looking at the last year, BHRB shows a very strong growth in Revenue. The Revenue has grown by 191.97%.

BHRB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.52% yearly.

EPS 1Y (TTM)29.67%

EPS 3Y-16.68%

EPS 5Y-49.41%

EPS Q2Q%159.27%

Revenue 1Y (TTM)191.97%

Revenue growth 3Y32.02%

Revenue growth 5Y19.52%

Sales Q2Q%214.61%

3.2 Future

The Earnings Per Share is expected to grow by 6.76% on average over the next years.

The Revenue is expected to grow by 16.10% on average over the next years. This is quite good.

EPS Next Y10.78%

EPS Next 2Y6.76%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year30.14%

Revenue Next 2Y16.1%

Revenue Next 3YN/A

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 16.04, BHRB is valued correctly.

BHRB's Price/Earnings ratio is a bit more expensive when compared to the industry. BHRB is more expensive than 70.48% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.14. BHRB is valued slightly cheaper when compared to this.

BHRB is valuated reasonably with a Price/Forward Earnings ratio of 8.17.

Based on the Price/Forward Earnings ratio, BHRB is valued cheaply inside the industry as 85.24% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, BHRB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	16.04
Fwd PE	8.17

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHRB is valued a bit cheaper than the industry average as 79.64% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	8.6
EV/EBITDA	N/A

4.3 Compensation for Growth

BHRB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.49

PEG (5Y)N/A

EPS Next 2Y6.76%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BHRB has a Yearly Dividend Yield of 3.66%.

BHRB's Dividend Yield is a higher than the industry average which is at 3.30.

BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	3.66%

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

BHRB pays out 58.38% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP58.38%

EPS Next 2Y6.76%

EPS Next 3YN/A

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BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (8/27/2025, 8:00:01 PM)

After market: 63.82 0 (0%)

63.82

+0.28 (+0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23

Inst Owners36.02%

Inst Owner Change4.17%

Ins Owners11.04%

Ins Owner Change5.13%

Market Cap958.58M

Analysts84.44

Price Target73.1 (14.54%)

Short Float %1.5%

Short Ratio2.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.66%

Yearly Dividend2.56

Dividend Growth(5Y)-49.11%

DP58.38%

Div Incr Years1

Div Non Decr Years1

Ex-Date08-15 2025-08-15 (0.55)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-1.39%

Min EPS beat(2)-2.51%

Max EPS beat(2)-0.27%

EPS beat(4)1

Avg EPS beat(4)-52.42%

Min EPS beat(4)-208.85%

Max EPS beat(4)1.96%

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)-3.6%

Min Revenue beat(2)-4.61%

Max Revenue beat(2)-2.58%

Revenue beat(4)1

Avg Revenue beat(4)-0.69%

Min Revenue beat(4)-4.61%

Max Revenue beat(4)8.87%

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)2.87%

PT rev (3m)3.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.41%

EPS NY rev (1m)0.81%

EPS NY rev (3m)0.47%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.29%

Revenue NY rev (3m)-0.34%

Valuation

		Industry Rank	Sector Rank
PE	16.04
Fwd PE	8.17
P/S	3.01
P/FCF	8.6
P/OCF	8.24
P/B	1.26
P/tB	1.43
EV/EBITDA	N/A

EPS(TTM)3.98

EY6.24%

EPS(NY)7.81

Fwd EY12.23%

FCF(TTM)7.42

FCFY11.63%

OCF(TTM)7.75

OCFY12.14%

SpS21.21

BVpS50.47

TBVpS44.75

PEG (NY)1.49

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.72%
ROE	7.49%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.83%
GM	N/A
FCFM	35%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	3.74
Debt/EBITDA	N/A
Cap/Depr	21.44%
Cap/Sales	1.52%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	196.34%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC14.18%

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)29.67%

EPS 3Y-16.68%

EPS 5Y-49.41%

EPS Q2Q%159.27%

EPS Next Y10.78%

EPS Next 2Y6.76%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)191.97%

Revenue growth 3Y32.02%

Revenue growth 5Y19.52%

Sales Q2Q%214.61%

Revenue Next Year30.14%

Revenue Next 2Y16.1%

Revenue Next 3YN/A

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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