65.48 USD
+1.08 (+1.68%)
At close: Jan 30, 2026
65.48 USD
0 (0%)
After Hours: 1/30/2026, 8:00:02 PM
We assign a fundamental rating of 3 out of 10 to BHRB. BHRB was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of BHRB while its profitability can be described as average. BHRB is valued correctly, but it does not seem to be growing.
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.
- Of the past 5 years BHRB 4 years were profitable.
- Of the past 5 years BHRB 4 years had a positive operating cash flow.
1.2 Ratios
- BHRB has a Return On Assets of 1.34%. This is amongst the best in the industry. BHRB outperforms 83.81% of its industry peers.
- BHRB has a better Return On Equity (12.89%) than 85.90% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 31.35%, BHRB belongs to the top of the industry, outperforming 83.55% of the companies in the same industry.
- In the last couple of years the Profit Margin of BHRB has declined.
- BHRB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
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.
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.
- BHRB has a Debt to FCF ratio of 3.73. This is in the lower half of the industry: BHRB underperforms 65.54% of its industry peers.
- A Debt/Equity ratio of 0.11 indicates that BHRB is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.11, BHRB is doing good in the industry, outperforming 65.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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 7.17% yearly.
- Based on estimates for the next years, BHRB will show a quite strong growth in Revenue. The Revenue will grow by 14.71% on average per year.
EPS Next Y4.14%
EPS Next 2Y7.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.73%
Revenue Next 2Y14.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.48, the valuation of BHRB can be described as very reasonable.
- Based on the Price/Earnings ratio, BHRB is valued cheaper than 92.17% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. BHRB is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 8.14, which indicates a very decent valuation of BHRB.
- 89.30% of the companies in the same industry are more expensive than BHRB, based on the Price/Forward Earnings ratio.
- BHRB is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.48 | ||
| Fwd PE | 8.14 |
4.2 Price Multiples
- 87.47% of the companies in the same industry are more expensive than BHRB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.05
PEG (5Y)N/A
EPS Next 2Y7.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.42%, BHRB has a reasonable but not impressive dividend return.
- BHRB's Dividend Yield is a higher than the industry average which is at 2.67.
- BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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 31.98% of its income as dividend. This is a sustainable payout ratio.
DP31.98%
EPS Next 2Y7.17%
EPS Next 3YN/A
BURKE & HERBERT FINANCIAL SE / BHRB FAQ
What is the fundamental rating for BHRB stock?
ChartMill assigns a fundamental rating of 3 / 10 to BHRB.
What is the valuation status for BHRB stock?
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 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 8.48 and the Price/Book (PB) ratio is 1.2.
How financially healthy is BURKE & HERBERT FINANCIAL SE?
The financial health rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 2 / 10.