63.59 USD
+0.48 (+0.76%)
We assign a fundamental rating of 4 out of 10 to BHRB. BHRB was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of BHRB while its profitability can be described as average. BHRB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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
The Return On Assets of BHRB (1.34%) is better than 84.02% of its industry peers.
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
The Profit Margin of BHRB (31.35%) is better than 83.76% 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) | 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.
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's Debt to FCF ratio of 3.73 is on the low side compared to the rest of the industry. BHRB is outperformed by 64.43% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that BHRB is not too dependend on debt financing.
BHRB's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. BHRB outperforms 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
WACC14.08%
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.
The earnings per share for BHRB have been decreasing by -49.41% on average. This is quite bad
BHRB shows a strong growth in Revenue. In the last year, the Revenue has grown by 63.61%.
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
BHRB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.62% yearly.
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 Y13.31%
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.
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 8.47 indicates a reasonable valuation of BHRB.
BHRB's Price/Earnings ratio is rather cheap when compared to the industry. BHRB is cheaper than 93.30% of the companies in the same industry.
When comparing the Price/Earnings ratio of BHRB to the average of the S&P500 Index (26.59), we can say BHRB is valued rather cheaply.
BHRB is valuated reasonably with a Price/Forward Earnings ratio of 8.18.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BHRB indicates a rather cheap valuation: BHRB is cheaper than 87.37% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BHRB to the average of the S&P500 Index (24.03), we can say BHRB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.47 | ||
| Fwd PE | 8.18 |
4.2 Price Multiples
87.63% 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 | 6.61 | ||
| 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)0.64
PEG (5Y)N/A
EPS Next 2Y6.52%
EPS Next 3Y5.62%
5. Dividend
5.1 Amount
BHRB has a Yearly Dividend Yield of 3.15%.
Compared to an average industry Dividend Yield of 2.74, BHRB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, BHRB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
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
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%
NASDAQ:BHRB (12/24/2025, 8:15:13 PM)
63.59
+0.48 (+0.76%)
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 Cap955.76M
Revenue(TTM)337.98M
Net Income(TTM)105.95M
Analysts84.44
Price TargetN/A
Short Float %1.94%
Short Ratio4.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
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)1.88%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.03%
EPS NY rev (1m)2.24%
EPS NY rev (3m)2.28%
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 | 8.47 | ||
| Fwd PE | 8.18 | ||
| P/S | 2.83 | ||
| P/FCF | 6.61 | ||
| P/OCF | 6.21 | ||
| P/B | 1.16 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.51
EY11.81%
EPS(NY)7.77
Fwd EY12.22%
FCF(TTM)9.61
FCFY15.12%
OCF(TTM)10.24
OCFY16.1%
SpS22.49
BVpS54.71
TBVpS49.41
PEG (NY)0.64
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
WACC14.08%
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 Y13.31%
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.
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 8.47 and the Price/Book (PB) ratio is 1.16.
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 13.31% in the next year.