BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis
USA - NASDAQ:BHRB - US12135Y1082 - Common Stock
60.4 USD
-0.02 (-0.03%)
60.4 USD
0 (0%)
Taking everything into account, BHRB scores 4 out of 10 in our fundamental rating. BHRB was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of BHRB have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on BHRB.
1. Profitability
1.1 Basic Checks
BHRB had positive earnings in the past year.
BHRB had a positive operating cash flow in the past year.
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
With a Return On Assets value of 0.72%, BHRB is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 7.49%, BHRB is in line with its industry, outperforming 41.28% of the companies in the same 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
BHRB's Profit Margin of 17.83% is on the low side compared to the rest of the industry. BHRB is outperformed by 70.26% of its industry peers.
BHRB's Profit Margin has declined in the last couple of years.
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
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.
BHRB has more shares outstanding than it did 5 years ago.
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.
Looking at the Debt to FCF ratio, with a value of 3.74, BHRB is doing worse than 62.05% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that BHRB is not too dependend on debt financing.
BHRB has a Debt to Equity ratio (0.15) which 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
WACC14.23%
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 1275.27% over the past year.
The earnings per share for BHRB have been decreasing by -49.41% on average. This is quite bad
Looking at the last year, BHRB shows a very strong growth in Revenue. The Revenue has grown by 124.34%.
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)1275.27%
EPS 3Y-16.68%
EPS 5Y-49.41%
EPS Q2Q%239.72%
Revenue 1Y (TTM)124.34%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%25.75%
3.2 Future
Based on estimates for the next years, BHRB will show a small growth in Earnings Per Share. The EPS will grow by 5.77% on average per year.
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 Y10.83%
EPS Next 2Y6.59%
EPS Next 3Y5.77%
EPS Next 5YN/A
Revenue Next Year29.81%
Revenue Next 2Y17.25%
Revenue Next 3Y13.14%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 8.21, which indicates a very decent valuation of BHRB.
BHRB's Price/Earnings ratio is rather cheap when compared to the industry. BHRB is cheaper than 91.28% of the companies in the same industry.
When comparing the Price/Earnings ratio of BHRB to the average of the S&P500 Index (26.06), we can say BHRB is valued rather cheaply.
BHRB is valuated cheaply with a Price/Forward Earnings ratio of 7.76.
BHRB's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHRB is cheaper than 85.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (32.73), we can say BHRB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHRB indicates a somewhat cheap valuation: BHRB is cheaper than 79.49% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.14 | ||
| 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)0.76
PEG (5Y)N/A
EPS Next 2Y6.59%
EPS Next 3Y5.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.64%, BHRB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.38, BHRB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.37, BHRB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
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.
The dividend of BHRB decreased recently.
Dividend Growth(5Y)-49.11%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
58.38% of the earnings are spent on dividend by BHRB. This is a bit on the high side, but may be sustainable.
DP58.38%
EPS Next 2Y6.59%
EPS Next 3Y5.77%
60.4
-0.02 (-0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.36%
Inst Owner Change1.4%
Ins Owners11.03%
Ins Owner Change3.45%
Market Cap907.21M
Revenue(TTM)336.42M
Net Income(TTM)56.80M
Analysts84.44
Price Target72.42 (19.9%)
Short Float %1.85%
Short Ratio5.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.64% |
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP58.38%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-0.93%
PT rev (3m)-0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 7.76 | ||
| P/S | 2.85 | ||
| P/FCF | 8.14 | ||
| P/OCF | 7.8 | ||
| P/B | 1.2 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.36
EY12.19%
EPS(NY)7.78
Fwd EY12.89%
FCF(TTM)7.42
FCFY12.29%
OCF(TTM)7.75
OCFY12.83%
SpS21.21
BVpS50.47
TBVpS44.75
PEG (NY)0.76
PEG (5Y)N/A
Graham Number91.42
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
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-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
WACC14.23%
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)1275.27%
EPS 3Y-16.68%
EPS 5Y-49.41%
EPS Q2Q%239.72%
EPS Next Y10.83%
EPS Next 2Y6.59%
EPS Next 3Y5.77%
EPS Next 5YN/A
Revenue 1Y (TTM)124.34%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%25.75%
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.
Can you provide the valuation status for BURKE & HERBERT FINANCIAL SE?
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 2 / 10.
Can you provide the PE and PB ratios for BHRB stock?
The Price/Earnings (PE) ratio for BURKE & HERBERT FINANCIAL SE (BHRB) is 8.21 and the Price/Book (PB) ratio is 1.2.
What is the expected EPS growth for BURKE & HERBERT FINANCIAL SE (BHRB) stock?
The Earnings per Share (EPS) of BURKE & HERBERT FINANCIAL SE (BHRB) is expected to grow by 10.83% in the next year.