64.97 USD
-0.23 (-0.35%)
64.97 USD
0 (0%)
Overall BHRB gets a fundamental rating of 4 out of 10. We evaluated BHRB against 387 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 may be a bit undervalued, certainly considering the very reasonable score on growth
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.
In the past 5 years BHRB has always been profitable.
BHRB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BHRB has a better Return On Assets (1.34%) than 84.75% of its industry peers.
BHRB has a Return On Equity of 12.89%. This is amongst the best in the industry. BHRB outperforms 85.79% 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 83.98% 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.
The number of shares outstanding for BHRB has been increased compared to 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 3.73. 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.
Looking at the Debt to FCF ratio, with a value of 3.73, BHRB is doing worse than 63.57% of the companies in the same industry.
BHRB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
BHRB has a better Debt to Equity ratio (0.11) than 65.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.88%
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.
Measured over the past years, BHRB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -49.41% on average per year.
The Revenue has grown by 63.61% in the past year. This is a very strong growth!
The Revenue has been growing by 19.52% on average over the past years. This is quite good.
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 5.77% 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 Y10.83%
EPS Next 2Y6.59%
EPS Next 3Y5.77%
EPS Next 5YN/A
Revenue Next Year29.81%
Revenue Next 2Y17.25%
Revenue Next 3Y13.14%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.65 indicates a reasonable valuation of BHRB.
89.92% of the companies in the same industry are more expensive than BHRB, based on the Price/Earnings ratio.
BHRB is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.35, which indicates a very decent valuation of BHRB.
81.14% of the companies in the same industry are more expensive than BHRB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (36.12), we can say BHRB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHRB indicates a rather cheap valuation: BHRB is cheaper than 86.56% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.75 | ||
| 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.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y6.59%
EPS Next 3Y5.77%
5. Dividend
5.1 Amount
BHRB has a Yearly Dividend Yield of 3.62%. 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 3.33.
BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
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 31.98% of its income as dividend. This is a sustainable payout ratio.
DP31.98%
EPS Next 2Y6.59%
EPS Next 3Y5.77%
64.97
-0.23 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.36%
Inst Owner Change6.78%
Ins Owners11.03%
Ins Owner Change0.71%
Market Cap975.85M
Revenue(TTM)337.98M
Net Income(TTM)105.95M
Analysts84.44
Price Target73.78 (13.56%)
Short Float %1.85%
Short Ratio5.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
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)0.93%
PT rev (3m)0.93%
EPS NQ rev (1m)0.72%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)0.5%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)-1.24%
Revenue NQ rev (3m)-1.03%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 8.35 | ||
| P/S | 2.89 | ||
| P/FCF | 6.75 | ||
| P/OCF | 6.34 | ||
| P/B | 1.19 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.51
EY11.56%
EPS(NY)7.78
Fwd EY11.98%
FCF(TTM)9.62
FCFY14.81%
OCF(TTM)10.24
OCFY15.77%
SpS22.5
BVpS54.74
TBVpS49.44
PEG (NY)0.8
PEG (5Y)N/A
Graham Number96.18
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
WACC13.88%
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 Y10.83%
EPS Next 2Y6.59%
EPS Next 3Y5.77%
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 8.65 and the Price/Book (PB) ratio is 1.19.
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 10.83% in the next year.