BHRB Fundamental Analysis - BURKE & HERBERT FINANCIAL SE

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BHRB. BHRB was compared to 397 industry peers in the Banks industry. Both the profitability and financial health of BHRB have multiple concerns. BHRB is growing strongly while it is still valued neutral. This is a good combination!

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year BHRB was profitable.

BHRB had a positive operating cash flow in the past year.

Each year in the past 5 years BHRB has been profitable.

In the past 5 years BHRB always reported a positive cash flow from operatings.

1.2 Ratios

BHRB has a Return On Assets (0.72%) which is in line with its industry peers.

BHRB has a Return On Equity of 7.49%. This is comparable to the rest of the industry: BHRB outperforms 43.58% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.72%
ROE	7.49%
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

BHRB has a worse Profit Margin (17.83%) than 69.52% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	17.83%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

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.

2.2 Solvency

BHRB has a debt to FCF ratio of 3.74. This is a good value and a sign of high solvency as BHRB would need 3.74 years to pay back of all of its debts.

The Debt to FCF ratio of BHRB (3.74) is worse than 66.75% of its industry peers.

A Debt/Equity ratio of 0.15 indicates that BHRB is not too dependend on debt financing.

BHRB has a Debt to Equity ratio (0.15) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	3.74
Altman-Z	N/A

ROIC/WACCN/A

WACC14.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 29.67% 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 191.97%.

BHRB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.52% yearly.

EPS 1Y (TTM)29.67%

EPS 3Y-16.68%

EPS 5Y-49.41%

EPS Q2Q%159.27%

Revenue 1Y (TTM)191.97%

Revenue growth 3Y32.02%

Revenue growth 5Y19.52%

Sales Q2Q%214.61%

3.2 Future

The Earnings Per Share is expected to grow by 8.11% on average over the next years. This is quite good.

Based on estimates for the next years, BHRB will show a quite strong growth in Revenue. The Revenue will grow by 16.85% on average per year.

EPS Next Y10.26%

EPS Next 2Y8.11%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year30.58%

Revenue Next 2Y16.85%

Revenue Next 3YN/A

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 stable.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.94 indicates a correct valuation of BHRB.

BHRB's Price/Earnings ratio is a bit more expensive when compared to the industry. BHRB is more expensive than 70.53% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.30, BHRB is valued a bit cheaper.

A Price/Forward Earnings ratio of 7.92 indicates a rather cheap valuation of BHRB.

Based on the Price/Forward Earnings ratio, BHRB is valued cheaper than 83.63% of the companies in the same industry.

BHRB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	15.94
Fwd PE	7.92

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHRB is valued a bit cheaper than the industry average as 77.83% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	8.54
EV/EBITDA	N/A

4.3 Compensation for Growth

BHRB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.55

PEG (5Y)N/A

EPS Next 2Y8.11%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BHRB has a Yearly Dividend Yield of 3.44%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.30, BHRB pays a bit more dividend than its industry peers.

BHRB's Dividend Yield is a higher than the S&P500 average which is at 2.37.

		Industry Rank	Sector Rank
Dividend Yield	3.44%

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

BHRB pays out 58.38% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP58.38%

EPS Next 2Y8.11%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (7/11/2025, 8:00:02 PM)

After market: 63.43 0 (0%)

63.43

-1.4 (-2.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-25 2025-04-25/bmo

Earnings (Next)N/A N/A

Inst Owners35.64%

Inst Owner Change0%

Ins Owners11.04%

Ins Owner Change16.62%

Market Cap952.08M

Analysts82.5

Price Target70.89 (11.76%)

Short Float %0.98%

Short Ratio2.79

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.44%

Yearly Dividend2.56

Dividend Growth(5Y)-49.11%

DP58.38%

Div Incr Years1

Div Non Decr Years1

Ex-Date05-15 2025-05-15 (0.55)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-1.39%

Min EPS beat(2)-2.51%

Max EPS beat(2)-0.27%

EPS beat(4)1

Avg EPS beat(4)-52.42%

Min EPS beat(4)-208.85%

Max EPS beat(4)1.96%

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)-3.6%

Min Revenue beat(2)-4.61%

Max Revenue beat(2)-2.58%

Revenue beat(4)1

Avg Revenue beat(4)-0.69%

Min Revenue beat(4)-4.61%

Max Revenue beat(4)8.87%

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)-12.03%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.75%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.94%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.65%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.51%

Valuation

		Industry Rank	Sector Rank
PE	15.94
Fwd PE	7.92
P/S	2.99
P/FCF	8.54
P/OCF	8.18
P/B	1.26
P/tB	1.42
EV/EBITDA	N/A

EPS(TTM)3.98

EY6.27%

EPS(NY)8.01

Fwd EY12.62%

FCF(TTM)7.43

FCFY11.71%

OCF(TTM)7.75

OCFY12.22%

SpS21.22

BVpS50.5

TBVpS44.78

PEG (NY)1.55

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.72%
ROE	7.49%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.83%
GM	N/A
FCFM	35%

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

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-25.05%

PM growth 5Y-3.31%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	3.74
Debt/EBITDA	N/A
Cap/Depr	21.44%
Cap/Sales	1.52%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	196.34%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC14.27%

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)29.67%

EPS 3Y-16.68%

EPS 5Y-49.41%

EPS Q2Q%159.27%

EPS Next Y10.26%

EPS Next 2Y8.11%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)191.97%

Revenue growth 3Y32.02%

Revenue growth 5Y19.52%

Sales Q2Q%214.61%

Revenue Next Year30.58%

Revenue Next 2Y16.85%

Revenue Next 3YN/A

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens