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BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis

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

56.92  -1.83 (-3.11%)

After market: 56.92 0 (0%)

Fundamental Rating

4

Overall BHRB gets a fundamental rating of 4 out of 10. We evaluated BHRB against 396 industry peers in the Banks industry. BHRB may be in some trouble as it scores bad on both profitability and health. BHRB is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BHRB was profitable.
In the past year BHRB had a positive cash flow from operations.
In the past 5 years BHRB has always been profitable.
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

With a Return On Assets value of 0.72%, BHRB perfoms like the industry average, outperforming 40.66% of the companies in the same industry.
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 has a worse Profit Margin (17.83%) than 69.70% of its industry peers.
BHRB's Profit Margin has declined in the last couple of years.
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

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2

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.
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

The Debt to FCF ratio of BHRB is 3.74, which is a good value as it means it would take BHRB, 3.74 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BHRB (3.74) is worse than 66.67% 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.
Looking at the Debt to Equity ratio, with a value of 0.15, BHRB is in line with its industry, outperforming 54.80% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACCN/A
WACC15.26%
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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 29.67% over the past year.
Measured over the past years, BHRB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.41% on average per year.
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

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

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.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.30, which indicates a correct valuation of BHRB.
Compared to the rest of the industry, the Price/Earnings ratio of BHRB indicates a slightly more expensive valuation: BHRB is more expensive than 68.18% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, BHRB is valued a bit cheaper.
With a Price/Forward Earnings ratio of 7.11, the valuation of BHRB can be described as very cheap.
Based on the Price/Forward Earnings ratio, BHRB is valued cheaper than 85.61% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (22.13), we can say BHRB is valued rather cheaply.
Industry RankSector Rank
PE 14.3
Fwd PE 7.11
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

BHRB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BHRB is cheaper than 79.55% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.66
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)1.39
PEG (5Y)N/A
EPS Next 2Y8.11%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

BHRB has a Yearly Dividend Yield of 3.74%. 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 3.51.
BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.74%

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

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BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (6/13/2025, 8:00:02 PM)

After market: 56.92 0 (0%)

56.92

-1.83 (-3.11%)

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 Change0.05%
Ins Owners11.04%
Ins Owner Change17.21%
Market Cap854.37M
Analysts82.5
Price Target70.89 (24.54%)
Short Float %1.05%
Short Ratio3.77
Dividend
Industry RankSector Rank
Dividend Yield 3.74%
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)-10.32%
PT rev (3m)-12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)-0.94%
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 14.3
Fwd PE 7.11
P/S 2.68
P/FCF 7.66
P/OCF 7.34
P/B 1.13
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)3.98
EY6.99%
EPS(NY)8.01
Fwd EY14.07%
FCF(TTM)7.43
FCFY13.05%
OCF(TTM)7.75
OCFY13.62%
SpS21.22
BVpS50.5
TBVpS44.78
PEG (NY)1.39
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
WACC15.26%
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%