Logo image of BHRB

BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis

NASDAQ:BHRB - Nasdaq - US12135Y1082 - Common Stock - Currency: USD

63.43  -1.4 (-2.16%)

After market: 63.43 0 (0%)

Fundamental Rating

4

Overall BHRB gets a fundamental rating of 4 out of 10. We evaluated BHRB against 397 industry peers in the Banks industry. BHRB may be in some trouble as it scores bad on both profitability and health. BHRB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year BHRB was profitable.
BHRB had a positive operating cash flow in the past year.
BHRB had positive earnings in each of the past 5 years.
Each year in the past 5 years BHRB had a positive operating cash flow.
BHRB Yearly Net Income VS EBIT VS OCF VS FCFBHRB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

BHRB has a Return On Assets of 0.72%. This is comparable to the rest of the industry: BHRB outperforms 40.55% of its industry peers.
The Return On Equity of BHRB (7.49%) is comparable to the rest of the industry.
Industry RankSector 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
BHRB Yearly ROA, ROE, ROICBHRB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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 69.52% of its industry peers.
In the last couple of years the Profit Margin of BHRB has declined.
BHRB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
BHRB Yearly Profit, Operating, Gross MarginsBHRB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

2

2. Health

2.1 Basic Checks

BHRB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BHRB has been increased compared to 1 year ago.
Compared to 5 years ago, BHRB has more shares outstanding
BHRB has a better debt/assets ratio than last year.
BHRB Yearly Shares OutstandingBHRB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
BHRB Yearly Total Debt VS Total AssetsBHRB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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.
The Debt to FCF ratio of BHRB (3.74) is worse than 66.75% of its industry peers.
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 RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACCN/A
WACC14.33%
BHRB Yearly LT Debt VS Equity VS FCFBHRB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BHRB Yearly Current Assets VS Current LiabilitesBHRB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

7

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.
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 191.97%.
Measured over the past years, BHRB shows a quite strong growth in Revenue. The Revenue has been growing by 19.52% on average per year.
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

BHRB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.11% yearly.
The Revenue is expected to grow by 16.85% on average over the next years. This is quite good.
EPS Next Y10.26%
EPS Next 2Y8.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.58%
Revenue Next 2Y16.85%
Revenue Next 3YN/A
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 Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
BHRB Yearly Revenue VS EstimatesBHRB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
BHRB Yearly EPS VS EstimatesBHRB Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2 4 6 8

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.94, which indicates a correct valuation of BHRB.
BHRB's Price/Earnings ratio is a bit more expensive when compared to the industry. BHRB is more expensive than 70.53% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.30, BHRB is valued a bit cheaper.
With a Price/Forward Earnings ratio of 7.92, the valuation of BHRB can be described as very cheap.
83.63% 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 (21.76), we can say BHRB is valued rather cheaply.
Industry RankSector Rank
PE 15.94
Fwd PE 7.92
BHRB Price Earnings VS Forward Price EarningsBHRB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 77.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.54
EV/EBITDA N/A
BHRB Per share dataBHRB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.55
PEG (5Y)N/A
EPS Next 2Y8.11%
EPS Next 3YN/A

More info and screens

4

5. Dividend

5.1 Amount

BHRB has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, BHRB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, BHRB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.39%

5.2 History

The dividend of BHRB decreases each year by -49.11%.
BHRB has been paying a dividend for at least 10 years, so it has a reliable track record.
BHRB has decreased its dividend recently.
Dividend Growth(5Y)-49.11%
Div Incr Years1
Div Non Decr Years1
BHRB Yearly Dividends per shareBHRB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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 2Y8.11%
EPS Next 3YN/A
BHRB Yearly Income VS Free CF VS DividendBHRB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
BHRB Dividend Payout.BHRB Dividend Payout, showing the Payout Ratio.BHRB Dividend Payout.PayoutRetained Earnings

More info and screens

BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (7/11/2025, 8:00:02 PM)

After market: 63.43 0 (0%)

63.43

-1.4 (-2.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25/bmo
Earnings (Next)N/A N/A
Inst Owners35.64%
Inst Owner Change0%
Ins Owners11.04%
Ins Owner Change16.62%
Market Cap952.08M
Analysts82.5
Price Target70.89 (11.76%)
Short Float %0.98%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP58.38%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-15 2025-05-15 (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)0%
PT rev (3m)-12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
Industry RankSector Rank
PE 15.94
Fwd PE 7.92
P/S 2.99
P/FCF 8.54
P/OCF 8.18
P/B 1.26
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)3.98
EY6.27%
EPS(NY)8.01
Fwd EY12.62%
FCF(TTM)7.43
FCFY11.71%
OCF(TTM)7.75
OCFY12.22%
SpS21.22
BVpS50.5
TBVpS44.78
PEG (NY)1.55
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC14.33%
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 Y10.26%
EPS Next 2Y8.11%
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 Year30.58%
Revenue Next 2Y16.85%
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%