BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis
USA - NASDAQ:BHRB - US12135Y1082 - Common Stock
60.18 USD
+1.43 (+2.43%)
60.18 USD
0 (0%)
Overall BHRB gets a fundamental rating of 4 out of 10. We evaluated BHRB against 391 industry peers in the Banks industry. Both the profitability and financial health of BHRB have multiple concerns. BHRB has a decent growth rate and is not valued too expensively.
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.
In the past 5 years BHRB has always been profitable.
BHRB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.72%, BHRB perfoms like the industry average, outperforming 40.92% of the companies in the same industry.
BHRB has a Return On Equity of 7.49%. This is comparable to the rest of the industry: BHRB outperforms 43.22% of its industry peers.
| 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 has a worse Profit Margin (17.83%) than 68.29% 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.
The number of shares outstanding for BHRB has been increased compared to 5 years ago.
BHRB has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio of 3.74. This is in the lower half of the industry: BHRB underperforms 62.92% of its industry peers.
BHRB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.15, BHRB perfoms like the industry average, outperforming 56.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 3.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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
The Revenue has grown by 191.97% in the past year. This is a very strong growth!
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
Based on estimates for the next years, BHRB will show a small growth in Earnings Per Share. The EPS will grow by 6.76% on average per year.
BHRB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.10% yearly.
EPS Next Y10.83%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.12, BHRB is valued correctly.
Based on the Price/Earnings ratio, BHRB is valued a bit more expensive than the industry average as 70.08% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.69. BHRB is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 7.71 indicates a rather cheap valuation of BHRB.
Based on the Price/Forward Earnings ratio, BHRB is valued cheaper than 84.91% of the companies in the same industry.
BHRB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.18, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.12 | ||
| Fwd PE | 7.71 |
4.2 Price Multiples
BHRB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BHRB is cheaper than 80.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.11 | ||
| 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)1.4
PEG (5Y)N/A
EPS Next 2Y6.76%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BHRB has a Yearly Dividend Yield of 3.79%. Purely for dividend investing, there may be better candidates out there.
BHRB's Dividend Yield is a higher than the industry average which is at 3.57.
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 | 3.79% |
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
60.18
+1.43 (+2.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.36%
Inst Owner Change-0.23%
Ins Owners11.03%
Ins Owner Change4.47%
Market Cap903.90M
Analysts84.44
Price Target73.1 (21.47%)
Short Float %1.63%
Short Ratio4.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
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%
PT rev (3m)2.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.41%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.12 | ||
| Fwd PE | 7.71 | ||
| P/S | 2.84 | ||
| P/FCF | 8.11 | ||
| P/OCF | 7.77 | ||
| P/B | 1.19 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.98
EY6.61%
EPS(NY)7.81
Fwd EY12.97%
FCF(TTM)7.42
FCFY12.34%
OCF(TTM)7.75
OCFY12.87%
SpS21.21
BVpS50.47
TBVpS44.75
PEG (NY)1.4
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
WACC14.29%
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 Y10.83%
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%