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BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis

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

60.29  +0.15 (+0.25%)

After market: 60.29 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BHRB. BHRB was compared to 402 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.


Dividend Valuation Growth Profitability Health

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2

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.
BHRB had a positive operating cash flow in each 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 20M 40M 60M

1.2 Ratios

The Return On Assets of BHRB (0.26%) is worse than 83.42% of its industry peers.
With a Return On Equity value of 2.78%, BHRB is not doing good in the industry: 82.92% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.26%
ROE 2.78%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.85%
ROE(3y)10.86%
ROE(5y)8.86%
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 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 9.94%, BHRB is doing worse than 82.67% of the companies in the same industry.
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) 9.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.87%
PM growth 5Y-7.81%
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 10 20 30

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1

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 about the same amount of shares outstanding.
The number of shares outstanding for BHRB has been increased compared to 5 years ago.
The debt/assets ratio for BHRB has been reduced compared to a year ago.
BHRB Yearly Shares OutstandingBHRB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
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 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BHRB is 62.37, which is on the high side as it means it would take BHRB, 62.37 years of fcf income to pay off all of its debts.
BHRB has a worse Debt to FCF ratio (62.37) than 84.16% of its industry peers.
BHRB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
BHRB has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 62.37
Altman-Z N/A
ROIC/WACCN/A
WACC9.95%
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 100M 200M 300M 400M

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 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

BHRB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.75%.
BHRB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -55.44% yearly.
The Revenue has grown by 77.00% in the past year. This is a very strong growth!
BHRB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.19% yearly.
EPS 1Y (TTM)-56.75%
EPS 3Y-71.64%
EPS 5Y-55.44%
EPS Q2Q%236.77%
Revenue 1Y (TTM)77%
Revenue growth 3Y0.88%
Revenue growth 5Y-0.19%
Sales Q2Q%208.32%

3.2 Future

Based on estimates for the next years, BHRB will show a very strong growth in Earnings Per Share. The EPS will grow by 38.32% on average per year.
Based on estimates for the next years, BHRB will show a very strong growth in Revenue. The Revenue will grow by 48.81% on average per year.
EPS Next Y126.62%
EPS Next 2Y58.82%
EPS Next 3Y38.32%
EPS Next 5YN/A
Revenue Next Year142.73%
Revenue Next 2Y77.58%
Revenue Next 3Y48.81%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

BHRB is valuated quite expensively with a Price/Earnings ratio of 33.87.
Based on the Price/Earnings ratio, BHRB is valued more expensive than 85.15% of the companies in the same industry.
When comparing the Price/Earnings ratio of BHRB to the average of the S&P500 Index (29.35), we can say BHRB is valued inline with the index average.
A Price/Forward Earnings ratio of 7.91 indicates a rather cheap valuation of BHRB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BHRB indicates a rather cheap valuation: BHRB is cheaper than 91.09% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (22.10), we can say BHRB is valued rather cheaply.
Industry RankSector Rank
PE 33.87
Fwd PE 7.91
BHRB Price Earnings VS Forward Price EarningsBHRB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHRB is valued expensively inside the industry as 82.67% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 129.6
EV/EBITDA N/A
BHRB Per share dataBHRB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
BHRB's earnings are expected to grow with 38.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y58.82%
EPS Next 3Y38.32%

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5

5. Dividend

5.1 Amount

BHRB has a Yearly Dividend Yield of 3.66%. 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 3.37.
BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.66%

5.2 History

The dividend of BHRB has a limited annual growth rate of 1.96%.
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)1.96%
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

117.40% of the earnings are spent on dividend by BHRB. This is not a sustainable payout ratio.
The dividend of BHRB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP117.4%
EPS Next 2Y58.82%
EPS Next 3Y38.32%
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 10M 20M 30M 40M 50M
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 (3/7/2025, 8:07:29 PM)

After market: 60.29 0 (0%)

60.29

+0.15 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24/amc
Earnings (Next)N/A N/A
Inst Owners35.58%
Inst Owner Change4.22%
Ins Owners10.32%
Ins Owner Change13.52%
Market Cap902.54M
Analysts82.5
Price Target80.58 (33.65%)
Short Float %0.8%
Short Ratio2.28
Dividend
Industry RankSector Rank
Dividend Yield 3.66%
Yearly Dividend2.12
Dividend Growth(5Y)1.96%
DP117.4%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-14 2025-02-14 (0.55)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-103.44%
Min EPS beat(2)-208.85%
Max EPS beat(2)1.96%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)1
Avg Revenue beat(2)2.23%
Min Revenue beat(2)-4.42%
Max Revenue beat(2)8.87%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)6.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 33.87
Fwd PE 7.91
P/S 4.37
P/FCF 129.6
P/OCF 47.27
P/B 1.22
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)1.78
EY2.95%
EPS(NY)7.62
Fwd EY12.65%
FCF(TTM)0.47
FCFY0.77%
OCF(TTM)1.28
OCFY2.12%
SpS13.8
BVpS49.3
TBVpS43
PEG (NY)0.27
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 2.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.94%
GM N/A
FCFM 3.37%
ROA(3y)0.95%
ROA(5y)0.85%
ROE(3y)10.86%
ROE(5y)8.86%
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-5.87%
PM growth 5Y-7.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 62.37
Debt/EBITDA N/A
Cap/Depr 99.77%
Cap/Sales 5.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 33.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC9.95%
ROIC/WACCN/A
Cap/Depr(3y)428.58%
Cap/Depr(5y)287.16%
Cap/Sales(3y)10.94%
Cap/Sales(5y)7.39%
Profit Quality(3y)119.93%
Profit Quality(5y)115.54%
High Growth Momentum
Growth
EPS 1Y (TTM)-56.75%
EPS 3Y-71.64%
EPS 5Y-55.44%
EPS Q2Q%236.77%
EPS Next Y126.62%
EPS Next 2Y58.82%
EPS Next 3Y38.32%
EPS Next 5YN/A
Revenue 1Y (TTM)77%
Revenue growth 3Y0.88%
Revenue growth 5Y-0.19%
Sales Q2Q%208.32%
Revenue Next Year142.73%
Revenue Next 2Y77.58%
Revenue Next 3Y48.81%
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 1Y-25.6%
FCF growth 3Y11.35%
FCF growth 5Y-2.37%
OCF growth 1Y-30.38%
OCF growth 3Y22.42%
OCF growth 5Y4.14%