64 USD
-2.95 (-4.41%)
64 USD
0 (0%)
Taking everything into account, BHRB scores 3 out of 10 in our fundamental rating. BHRB was compared to 383 industry peers in the Banks industry. BHRB has a medium profitability rating, but doesn't score so well on its financial health evaluation. BHRB is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- BHRB had positive earnings in the past year.
- In the past year BHRB had a positive cash flow from operations.
- BHRB had positive earnings in 4 of the past 5 years.
- Of the past 5 years BHRB 4 years had a positive operating cash flow.
1.2 Ratios
- BHRB's Return On Assets of 1.34% is amongst the best of the industry. BHRB outperforms 83.81% of its industry peers.
- Looking at the Return On Equity, with a value of 12.89%, BHRB belongs to the top of the industry, outperforming 85.90% 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
- Looking at the Profit Margin, with a value of 31.35%, BHRB belongs to the top of the industry, outperforming 83.81% 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.
- BHRB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- Looking at the Debt to FCF ratio, with a value of 3.73, BHRB is doing worse than 65.54% of the companies in the same industry.
- A Debt/Equity ratio of 0.11 indicates that BHRB is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.11, BHRB is in the better half of the industry, outperforming 65.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 3.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%11.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.92%
3.2 Future
- The Earnings Per Share is expected to grow by 7.17% on average over the next years.
- The Revenue is expected to grow by 14.71% on average over the next years. This is quite good.
EPS Next Y4.14%
EPS Next 2Y7.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.73%
Revenue Next 2Y14.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 8.29, which indicates a very decent valuation of BHRB.
- Based on the Price/Earnings ratio, BHRB is valued cheaply inside the industry as 92.69% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.21. BHRB is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 7.96, the valuation of BHRB can be described as very cheap.
- Based on the Price/Forward Earnings ratio, BHRB is valued cheaply inside the industry as 90.60% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (25.98), we can say BHRB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
- 87.73% of the companies in the same industry are more expensive than BHRB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2
PEG (5Y)N/A
EPS Next 2Y7.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BHRB has a Yearly Dividend Yield of 3.29%.
- Compared to an average industry Dividend Yield of 2.61, BHRB pays a bit more dividend than its industry peers.
- BHRB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.29% |
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 2Y7.17%
EPS Next 3YN/A
BURKE & HERBERT FINANCIAL SE / BHRB FAQ
What is the fundamental rating for BHRB stock?
ChartMill assigns a fundamental rating of 3 / 10 to BHRB.
What is the valuation status for BHRB stock?
ChartMill assigns a valuation rating of 6 / 10 to BURKE & HERBERT FINANCIAL SE (BHRB). This can be considered as Fairly Valued.
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 8.29 and the Price/Book (PB) ratio is 1.17.
How financially healthy is BURKE & HERBERT FINANCIAL SE?
The financial health rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 2 / 10.