BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis
USA - NASDAQ:BHRB - US12135Y1082 - Common Stock
60.94 USD
-0.43 (-0.7%)
We assign a fundamental rating of 4 out of 10 to BHRB. BHRB was compared to 390 industry peers in the Banks industry. BHRB may be in some trouble as it scores bad on both profitability and health. BHRB has a correct valuation and a medium growth rate.
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
BHRB has a Return On Assets of 0.72%. This is comparable to the rest of the industry: BHRB outperforms 40.51% of its industry peers.
With a Return On Equity value of 7.49%, BHRB perfoms like the industry average, outperforming 41.54% 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
Looking at the Profit Margin, with a value of 17.83%, BHRB is doing worse than 69.74% of the companies in the same industry.
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.
Compared to 1 year ago, BHRB has more shares outstanding
Compared to 5 years ago, BHRB has more shares outstanding
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's Debt to FCF ratio of 3.74 is on the low side compared to the rest of the industry. BHRB is outperformed by 62.31% 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 of 0.15. This is comparable to the rest of the industry: BHRB outperforms 56.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 3.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.16%
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.
BHRB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.41% yearly.
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
BHRB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.81% yearly.
The Revenue is expected to grow by 12.98% on average over the next years. This is quite good.
EPS Next Y10.27%
EPS Next 2Y6.73%
EPS Next 3Y5.81%
EPS Next 5YN/A
Revenue Next Year30.07%
Revenue Next 2Y16.88%
Revenue Next 3Y12.98%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.28, the valuation of BHRB can be described as reasonable.
Based on the Price/Earnings ratio, BHRB is valued cheaply inside the industry as 90.26% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.08. BHRB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.81, the valuation of BHRB can be described as very cheap.
BHRB's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHRB is cheaper than 84.10% of the companies in the same industry.
BHRB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.28 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
BHRB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BHRB is cheaper than 79.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.21 | ||
| 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)0.81
PEG (5Y)N/A
EPS Next 2Y6.73%
EPS Next 3Y5.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.57%, BHRB has a reasonable but not impressive dividend return.
BHRB's Dividend Yield is a higher than the industry average which is at 3.50.
BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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
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 2Y6.73%
EPS Next 3Y5.81%
NASDAQ:BHRB (10/28/2025, 1:56:14 PM)
60.94
-0.43 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.36%
Inst Owner Change-0.13%
Ins Owners11.03%
Ins Owner Change2.82%
Market Cap915.32M
Revenue(TTM)336.42M
Net Income(TTM)56.80M
Analysts84.44
Price Target73.1 (19.95%)
Short Float %1.85%
Short Ratio5.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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)0%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.28 | ||
| Fwd PE | 7.81 | ||
| P/S | 2.87 | ||
| P/FCF | 8.21 | ||
| P/OCF | 7.87 | ||
| P/B | 1.21 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.36
EY12.08%
EPS(NY)7.8
Fwd EY12.81%
FCF(TTM)7.42
FCFY12.18%
OCF(TTM)7.75
OCFY12.71%
SpS21.21
BVpS50.47
TBVpS44.75
PEG (NY)0.81
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
WACC14.16%
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 Y10.27%
EPS Next 2Y6.73%
EPS Next 3Y5.81%
EPS Next 5YN/A
Revenue 1Y (TTM)124.34%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%25.75%
Revenue Next Year30.07%
Revenue Next 2Y16.88%
Revenue Next 3Y12.98%
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 6 / 10 to BURKE & HERBERT FINANCIAL SE (BHRB). This can be considered as Fairly Valued.
What is the profitability of BHRB stock?
BURKE & HERBERT FINANCIAL SE (BHRB) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for BHRB stock?
The Price/Earnings (PE) ratio for BURKE & HERBERT FINANCIAL SE (BHRB) is 8.28 and the Price/Book (PB) ratio is 1.21.
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 10.27% in the next year.