BURKE & HERBERT FINANCIAL SE (BHRB)
US12135Y1082 - Common Stock
We assign a fundamental rating of 3 out of 10 to BHRB. BHRB was compared to 407 industry peers in the Banks industry. Both the profitability and financial health of BHRB have multiple concerns. BHRB has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years BHRB has been profitable.
Each year in the past 5 years BHRB had a positive operating cash flow.
1.2 Ratios
BHRB's Return On Assets of 0.26% is on the low side compared to the rest of the industry. BHRB is outperformed by 86.42% of its industry peers.
Looking at the Return On Equity, with a value of 2.78%, BHRB is doing worse than 85.43% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 9.94%, BHRB is doing worse than 84.44% 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) | 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
2. Health
2.1 Basic Checks
BHRB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BHRB remains at a similar level compared to 1 year ago.
BHRB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BHRB has been reduced compared to a year ago.
2.2 Solvency
BHRB has a debt to FCF ratio of 62.37. This is a negative value and a sign of low solvency as BHRB would need 62.37 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 62.37, BHRB is doing worse than 82.72% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that BHRB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, BHRB perfoms like the industry average, outperforming 53.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 62.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BHRB have decreased strongly by -56.75% in the last year.
BHRB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -55.44% yearly.
BHRB shows a strong growth in Revenue. In the last year, the Revenue has grown by 77.00%.
The Revenue has been decreasing by -0.19% on average over the past years.
EPS 1Y (TTM)-56.75%
EPS 3Y-71.64%
EPS 5Y-55.44%
EPS Q2Q%236.8%
Revenue 1Y (TTM)77%
Revenue growth 3Y0.88%
Revenue growth 5Y-0.19%
Sales Q2Q%208.32%
3.2 Future
BHRB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.89% yearly.
BHRB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 48.19% yearly.
EPS Next Y126.62%
EPS Next 2Y61.03%
EPS Next 3Y38.89%
EPS Next 5YN/A
Revenue Next Year142.73%
Revenue Next 2Y78.26%
Revenue Next 3Y48.19%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 35.67, the valuation of BHRB can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of BHRB indicates a rather expensive valuation: BHRB more expensive than 86.91% of the companies listed in the same industry.
BHRB is valuated rather expensively when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
BHRB is valuated reasonably with a Price/Forward Earnings ratio of 8.10.
BHRB's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHRB is cheaper than 88.64% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.99. BHRB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.67 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BHRB is valued more expensive than 80.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 136.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BHRB's 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 38.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y61.03%
EPS Next 3Y38.89%
5. Dividend
5.1 Amount
BHRB has a Yearly Dividend Yield of 3.42%. 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 3.21.
BHRB's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
5.2 History
The dividend of BHRB has a limited annual growth rate of 1.96%.
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)1.96%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
BHRB pays out 117.40% of its income as dividend. This is not a sustainable payout ratio.
BHRB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP117.4%
EPS Next 2Y61.03%
EPS Next 3Y38.89%
BURKE & HERBERT FINANCIAL SE
NASDAQ:BHRB (12/26/2024, 9:47:34 AM)
63.5
-0.38 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.84%
Inst Owner Change7.65%
Ins Owners11.93%
Ins Owner Change4.97%
Market Cap950.60M
Analysts80
Price Target75.48 (18.87%)
Short Float %0.7%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
Dividend Growth(5Y)1.96%
DP117.4%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-0.67%
PT rev (3m)1.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)7.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.67 | ||
| Fwd PE | 8.1 | ||
| P/S | 4.6 | ||
| P/FCF | 136.5 | ||
| P/OCF | 49.79 | ||
| P/B | 1.29 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.78
EY2.8%
EPS(NY)7.84
Fwd EY12.34%
FCF(TTM)0.47
FCFY0.73%
OCF(TTM)1.28
OCFY2.01%
SpS13.8
BVpS49.3
TBVpS43
PEG (NY)0.28
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC10.11%
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%236.8%
EPS Next Y126.62%
EPS Next 2Y61.03%
EPS Next 3Y38.89%
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 2Y78.26%
Revenue Next 3Y48.19%
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%