62.31 USD
-0.14 (-0.22%)
62.31 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BHRB. BHRB was compared to 388 industry peers in the Banks industry. BHRB has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on BHRB.
1. Profitability
1.1 Basic Checks
In the past year BHRB was profitable.
BHRB had a positive operating cash flow in the past year.
BHRB had positive earnings in each of the past 5 years.
Each year in the past 5 years BHRB had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.34%, BHRB belongs to the best of the industry, outperforming 84.02% of the companies in the same industry.
With an excellent Return On Equity value of 12.89%, BHRB belongs to the best of the industry, outperforming 85.82% of the companies in the same industry.
| 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
With an excellent Profit Margin value of 31.35%, BHRB belongs to the best of the industry, outperforming 83.76% 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) | 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.
BHRB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BHRB has more shares outstanding
Compared to 1 year ago, BHRB has an improved debt to assets ratio.
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 65.21% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that BHRB is not too dependend on debt financing.
The Debt to Equity ratio of BHRB (0.11) is better than 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
WACC14.13%
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.
BHRB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -49.41% yearly.
The Revenue has grown by 63.61% in the past year. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 5.62% on average over the next years.
The Revenue is expected to grow by 13.14% on average over the next years. This is quite good.
EPS Next Y13.24%
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
Based on the Price/Earnings ratio of 8.30, the valuation of BHRB can be described as reasonable.
92.78% of the companies in the same industry are more expensive than BHRB, based on the Price/Earnings ratio.
BHRB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
With a Price/Forward Earnings ratio of 8.02, the valuation of BHRB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, BHRB is valued cheaply inside the industry as 87.11% of the companies are valued more expensively.
BHRB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.3 | ||
| Fwd PE | 8.02 |
4.2 Price Multiples
BHRB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BHRB is cheaper than 87.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.48 | ||
| 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)0.63
PEG (5Y)N/A
EPS Next 2Y6.52%
EPS Next 3Y5.62%
5. Dividend
5.1 Amount
BHRB has a Yearly Dividend Yield of 3.46%.
BHRB's Dividend Yield is a higher than the industry average which is at 2.74.
BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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
31.98% of the earnings are spent on dividend by BHRB. This is a low number and sustainable payout ratio.
DP31.98%
EPS Next 2Y6.52%
EPS Next 3Y5.62%
62.31
-0.14 (-0.22%)
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 Cap936.52M
Revenue(TTM)337.98M
Net Income(TTM)105.95M
Analysts84.44
Price Target73.78 (18.41%)
Short Float %2.04%
Short Ratio4.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP31.98%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)0%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)2.17%
EPS NY rev (3m)2.17%
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 | 8.3 | ||
| Fwd PE | 8.02 | ||
| P/S | 2.77 | ||
| P/FCF | 6.48 | ||
| P/OCF | 6.09 | ||
| P/B | 1.14 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.51
EY12.05%
EPS(NY)7.77
Fwd EY12.47%
FCF(TTM)9.61
FCFY15.43%
OCF(TTM)10.24
OCFY16.43%
SpS22.49
BVpS54.71
TBVpS49.41
PEG (NY)0.63
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
WACC14.13%
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 Y13.24%
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.
What is the valuation status for BHRB stock?
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 8.3 and the Price/Book (PB) ratio is 1.14.
How financially healthy is BURKE & HERBERT FINANCIAL SE?
The financial health rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 2 / 10.