66.17 USD
-3.62 (-5.19%)
66.17 USD
0 (0%)
BHRB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. While BHRB is still in line with the averages on profitability rating, there are concerns on its financial health. BHRB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
In the past 5 years BHRB has always been profitable.
In the past 5 years BHRB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.34%, BHRB belongs to the top of the industry, outperforming 84.02% of the companies in the same industry.
BHRB has a Return On Equity of 12.89%. This is amongst the best in the industry. BHRB outperforms 85.82% 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 83.76% of the companies in the same industry.
In the last couple of years the Profit Margin of BHRB has declined.
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) | 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.
Compared to 1 year ago, BHRB has more shares outstanding
The number of shares outstanding for BHRB has been increased compared to 5 years ago.
Compared to 1 year ago, BHRB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BHRB is 3.73, which is a good value as it means it would take BHRB, 3.73 years of fcf income to pay off all of its debts.
BHRB has a worse Debt to FCF ratio (3.73) than 64.43% of its industry peers.
BHRB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
BHRB's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. BHRB outperforms 65.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.91%
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 295.20% over the past year.
The earnings per share for BHRB have been decreasing by -49.41% on average. This is quite bad
Looking at the last year, BHRB shows a very strong growth in Revenue. The Revenue has grown by 63.61%.
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)295.2%
EPS 3Y-16.68%
EPS 5Y-49.41%
EPS Q2Q%8.24%
Revenue 1Y (TTM)63.61%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%1.86%
3.2 Future
Based on estimates for the next years, BHRB will show a small growth in Earnings Per Share. The EPS will grow by 5.62% on average per year.
Based on estimates for the next years, BHRB will show a quite strong growth in Revenue. The Revenue will grow by 13.14% on average per year.
EPS Next Y13.31%
EPS Next 2Y6.52%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue Next Year29.81%
Revenue Next 2Y17.25%
Revenue Next 3Y13.14%
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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.81, which indicates a very decent valuation of BHRB.
Based on the Price/Earnings ratio, BHRB is valued cheaply inside the industry as 92.78% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.39. BHRB is valued rather cheaply when compared to this.
BHRB is valuated reasonably with a Price/Forward Earnings ratio of 8.51.
85.82% of the companies in the same industry are more expensive than BHRB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.84. BHRB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.81 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
BHRB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BHRB is cheaper than 86.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.88 | ||
| 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)0.66
PEG (5Y)N/A
EPS Next 2Y6.52%
EPS Next 3Y5.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.15%, BHRB has a reasonable but not impressive dividend return.
BHRB's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, BHRB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
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 2Y6.52%
EPS Next 3Y5.62%
66.17
-3.62 (-5.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.68%
Inst Owner Change6.78%
Ins Owners11.03%
Ins Owner Change0.18%
Market Cap994.54M
Revenue(TTM)337.98M
Net Income(TTM)105.95M
Analysts84.44
Price Target73.78 (11.5%)
Short Float %1.94%
Short Ratio4.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP31.98%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.7%
Min EPS beat(2)5.23%
Max EPS beat(2)6.16%
EPS beat(4)2
Avg EPS beat(4)2.15%
Min EPS beat(4)-2.51%
Max EPS beat(4)6.16%
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)-1.96%
Min Revenue beat(2)-3.15%
Max Revenue beat(2)-0.76%
Revenue beat(4)0
Avg Revenue beat(4)-2.78%
Min Revenue beat(4)-4.61%
Max Revenue beat(4)-0.76%
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)1.88%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)2.24%
EPS NY rev (3m)2.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.81 | ||
| Fwd PE | 8.51 | ||
| P/S | 2.94 | ||
| P/FCF | 6.88 | ||
| P/OCF | 6.46 | ||
| P/B | 1.21 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.51
EY11.35%
EPS(NY)7.77
Fwd EY11.75%
FCF(TTM)9.61
FCFY14.53%
OCF(TTM)10.24
OCFY15.47%
SpS22.49
BVpS54.71
TBVpS49.41
PEG (NY)0.66
PEG (5Y)N/A
Graham Number96.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.34% | ||
| ROE | 12.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.35% | ||
| GM | N/A | ||
| FCFM | 42.75% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 40.31% | ||
| Cap/Sales | 2.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.91%
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)295.2%
EPS 3Y-16.68%
EPS 5Y-49.41%
EPS Q2Q%8.24%
EPS Next Y13.31%
EPS Next 2Y6.52%
EPS Next 3Y5.62%
EPS Next 5YN/A
Revenue 1Y (TTM)63.61%
Revenue growth 3Y32.02%
Revenue growth 5Y19.52%
Sales Q2Q%1.86%
Revenue Next Year29.81%
Revenue Next 2Y17.25%
Revenue Next 3Y13.14%
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 7 / 10 to BURKE & HERBERT FINANCIAL SE (BHRB). This can be considered as Undervalued.
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 8.81 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 13.31% in the next year.