BURKE & HERBERT FINANCIAL SE (BHRB) Fundamental Analysis & Valuation

NASDAQ:BHRB • US12135Y1082

63.085 USD
-0.35 (-0.56%)
At close: Mar 9, 2026
63.085 USD
0 (0%)
After Hours: 3/9/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This BHRB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall BHRB gets a fundamental rating of 4 out of 10. We evaluated BHRB against 381 industry peers in the Banks industry. While BHRB is still in line with the averages on profitability rating, there are concerns on its financial health. BHRB is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. BHRB Profitability Analysis

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 4 of the past 5 years.
  • BHRB had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of BHRB (1.34%) is better than 83.20% of its industry peers.
  • BHRB has a better Return On Equity (12.89%) than 84.78% of its industry peers.
Industry RankSector 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
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 has a Profit Margin of 31.35%. This is amongst the best in the industry. BHRB outperforms 82.68% 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 RankSector 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
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. BHRB Health Analysis

2.1 Basic Checks

  • BHRB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for BHRB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 3.73. 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 65.35% 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 has a Debt to Equity ratio of 0.11. This is in the better half of the industry: BHRB outperforms 65.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 3.73
Altman-Z N/A
ROIC/WACCN/A
WACC14.08%
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BHRB Growth Analysis

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%11.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.92%

3.2 Future

  • BHRB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.36% yearly.
  • The Revenue is expected to grow by 20.26% on average over the next years. This is a very strong growth
EPS Next Y7.42%
EPS Next 2Y7.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.41%
Revenue Next 2Y20.26%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

BHRB Yearly Revenue VS EstimatesBHRB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
BHRB Yearly EPS VS EstimatesBHRB Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 2 4 6 8

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7

4. BHRB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.17, 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 91.60% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.46. BHRB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 7.61 indicates a rather cheap valuation of BHRB.
  • Based on the Price/Forward Earnings ratio, BHRB is valued cheaper than 90.81% of the companies in the same industry.
  • BHRB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.65.
Industry RankSector Rank
PE 8.17
Fwd PE 7.61
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 rather cheap valuation: BHRB is cheaper than 87.66% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.57
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)1.1
PEG (5Y)N/A
EPS Next 2Y7.36%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BHRB Dividend Analysis

5.1 Amount

  • BHRB has a Yearly Dividend Yield of 3.43%.
  • Compared to an average industry Dividend Yield of 2.86, BHRB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, BHRB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.43%

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
BHRB Yearly Dividends per shareBHRB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20 40 60

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 2Y7.36%
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

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Find the best dividend stocksShow peers with best dividend

BHRB Fundamentals: All Metrics, Ratios and Statistics

BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (3/9/2026, 8:00:02 PM)

After market: 63.085 0 (0%)

63.085

-0.35 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners40.54%
Inst Owner Change2.95%
Ins Owners11.43%
Ins Owner Change7.74%
Market Cap948.80M
Revenue(TTM)N/A
Net Income(TTM)105.95M
Analysts77.78
Price Target74.97 (18.84%)
Short Float %3.82%
Short Ratio6.16
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP31.98%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
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)1.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.17
Fwd PE 7.61
P/S 2.81
P/FCF 6.57
P/OCF 6.17
P/B 1.15
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)7.72
EY12.24%
EPS(NY)8.29
Fwd EY13.15%
FCF(TTM)9.61
FCFY15.23%
OCF(TTM)10.23
OCFY16.22%
SpS22.47
BVpS54.67
TBVpS49.38
PEG (NY)1.1
PEG (5Y)N/A
Graham Number97.45
Profitability
Industry RankSector 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 RankSector 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
WACC14.08%
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)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%11.86%
EPS Next Y7.42%
EPS Next 2Y7.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.92%
Revenue Next Year31.41%
Revenue Next 2Y20.26%
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 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 8.17 and the Price/Book (PB) ratio is 1.15.


How financially healthy is BURKE & HERBERT FINANCIAL SE?

The financial health rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 2 / 10.