BURKE & HERBERT FINANCIAL SE (BHRB) Fundamental Analysis & Valuation

NASDAQ:BHRB • US12135Y1082

Current stock price

62.83 USD
-0.12 (-0.19%)
Last:

This BHRB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BHRB Profitability Analysis

1.1 Basic Checks

  • BHRB had positive earnings in the past year.
  • BHRB had a positive operating cash flow in the past year.
  • 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.
BHRB Yearly Net Income VS EBIT VS OCF VS FCFBHRB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

  • BHRB has a better Return On Assets (1.34%) than 82.11% 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 85.26% of the companies in the same industry.
Industry RankSector 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
BHRB Yearly ROA, ROE, ROICBHRB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of BHRB (31.35%) is better than 79.74% 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 RankSector 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
BHRB Yearly Profit, Operating, Gross MarginsBHRB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. BHRB Health Analysis

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.
BHRB Yearly Shares OutstandingBHRB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
BHRB Yearly Total Debt VS Total AssetsBHRB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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 Debt to FCF ratio of 3.73. This is in the lower half of the industry: BHRB underperforms 64.47% of its industry peers.
  • 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 64.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 3.73
Altman-Z N/A
ROIC/WACCN/A
WACC14.24%
BHRB Yearly LT Debt VS Equity VS FCFBHRB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BHRB Yearly Current Assets VS Current LiabilitesBHRB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BHRB Growth Analysis

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 7.36% on average over the next years.
  • The Revenue is expected to grow by 20.26% on average over the next years. This is a very strong growth
EPS Next Y7.42%
EPS Next 2Y7.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.41%
Revenue Next 2Y20.26%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

BHRB Yearly Revenue VS EstimatesBHRB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
BHRB Yearly EPS VS EstimatesBHRB Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 2 4 6 8

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7

4. BHRB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.14, which indicates a very decent valuation of BHRB.
  • Compared to the rest of the industry, the Price/Earnings ratio of BHRB indicates a rather cheap valuation: BHRB is cheaper than 92.37% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, BHRB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.58, which indicates a rather cheap valuation of BHRB.
  • 92.11% of the companies in the same industry are more expensive than BHRB, based on the Price/Forward Earnings ratio.
  • 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 RankSector Rank
PE 8.14
Fwd PE 7.58
BHRB Price Earnings VS Forward Price EarningsBHRB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BHRB is valued cheaply inside the industry as 87.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.54
EV/EBITDA N/A
BHRB Per share dataBHRB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)1.1
PEG (5Y)N/A
EPS Next 2Y7.36%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BHRB Dividend Analysis

5.1 Amount

  • BHRB has a Yearly Dividend Yield of 3.62%.
  • Compared to an average industry Dividend Yield of 2.73, BHRB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, BHRB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.62%

5.2 History

  • The dividend of BHRB decreases each year by -49.11%.
  • BHRB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of BHRB decreased in the last 3 years.
Dividend Growth(5Y)-49.11%
Div Incr Years2
Div Non Decr Years2
BHRB Yearly Dividends per shareBHRB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20 40 60

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 2Y7.36%
EPS Next 3YN/A
BHRB Yearly Income VS Free CF VS DividendBHRB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
BHRB Dividend Payout.BHRB Dividend Payout, showing the Payout Ratio.BHRB Dividend Payout.PayoutRetained Earnings

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BHRB Fundamentals: All Metrics, Ratios and Statistics

BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (4/7/2026, 10:13:06 AM)

62.83

-0.12 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners40.54%
Inst Owner Change0%
Ins Owners11.43%
Ins Owner Change7.74%
Market Cap944.96M
Revenue(TTM)N/A
Net Income(TTM)105.95M
Analysts78
Price Target75.99 (20.95%)
Short Float %4.28%
Short Ratio6.51
Dividend
Industry RankSector Rank
Dividend Yield 3.62%
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP31.98%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-13
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)1.36%
PT rev (3m)3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)0.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.14
Fwd PE 7.58
P/S 2.8
P/FCF 6.54
P/OCF 6.14
P/B 1.15
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)7.72
EY12.29%
EPS(NY)8.29
Fwd EY13.2%
FCF(TTM)9.61
FCFY15.29%
OCF(TTM)10.23
OCFY16.28%
SpS22.47
BVpS54.67
TBVpS49.38
PEG (NY)1.1
PEG (5Y)N/A
Graham Number97.45
Profitability
Industry RankSector 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 RankSector 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
WACC14.24%
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)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%11.86%
EPS Next Y7.42%
EPS Next 2Y7.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.92%
Revenue Next Year31.41%
Revenue Next 2Y20.26%
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 Fundamental Analysis 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.


How profitable is BURKE & HERBERT FINANCIAL SE (BHRB) stock?

BURKE & HERBERT FINANCIAL SE (BHRB) has a profitability rating of 4 / 10.


What is the earnings growth outlook for BURKE & HERBERT FINANCIAL SE?

The Earnings per Share (EPS) of BURKE & HERBERT FINANCIAL SE (BHRB) is expected to grow by 7.42% in the next year.


Is the dividend of BURKE & HERBERT FINANCIAL SE sustainable?

The dividend rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 5 / 10 and the dividend payout ratio is 31.98%.