BURKE & HERBERT FINANCIAL SE (BHRB) Stock Fundamental Analysis

NASDAQ:BHRB • US12135Y1082

68.24 USD
-0.26 (-0.38%)
At close: Feb 13, 2026
68.24 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BHRB scores 4 out of 10 in our fundamental rating. BHRB was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of BHRB while its profitability can be described as average. BHRB is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

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.
  • Of the past 5 years BHRB 4 years were profitable.
  • 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 Return On Assets of 1.34%. This is amongst the best in the industry. BHRB outperforms 83.99% of its industry peers.
  • BHRB's Return On Equity of 12.89% is amongst the best of the industry. BHRB outperforms 85.83% of its industry peers.
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 83.20% of its industry peers.
  • 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • BHRB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for BHRB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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's Debt to FCF ratio of 3.73 is on the low side compared to the rest of the industry. BHRB is outperformed by 65.62% 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 65.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 3.73
Altman-Z N/A
ROIC/WACCN/A
WACC13.75%
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. 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

  • BHRB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.03% yearly.
  • Based on estimates for the next years, BHRB will show a very strong growth in Revenue. The Revenue will grow by 21.53% on average per year.
EPS Next Y7.68%
EPS Next 2Y9.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.64%
Revenue Next 2Y21.53%
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.84 indicates a reasonable valuation of BHRB.
  • BHRB's Price/Earnings ratio is rather cheap when compared to the industry. BHRB is cheaper than 90.03% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.97. BHRB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.21, the valuation of BHRB can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, BHRB is valued cheaply inside the industry as 91.34% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. BHRB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.84
Fwd PE 8.21
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHRB indicates a rather cheap valuation: BHRB is cheaper than 86.61% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.1
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)N/A
EPS Next 2Y9.03%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • BHRB has a Yearly Dividend Yield of 3.18%.
  • BHRB's Dividend Yield is a higher than the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.79, BHRB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.18%

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
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

  • BHRB pays out 31.98% of its income as dividend. This is a sustainable payout ratio.
DP31.98%
EPS Next 2Y9.03%
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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Find the best dividend stocksShow peers with best dividend

BURKE & HERBERT FINANCIAL SE

NASDAQ:BHRB (2/13/2026, 8:00:01 PM)

After market: 68.24 0 (0%)

68.24

-0.26 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners39.53%
Inst Owner Change-0.64%
Ins Owners11%
Ins Owner Change7.06%
Market Cap1.03B
Revenue(TTM)N/A
Net Income(TTM)105.95M
Analysts84.44
Price Target74.97 (9.86%)
Short Float %3.46%
Short Ratio5.93
Dividend
Industry RankSector Rank
Dividend Yield 3.18%
Yearly Dividend2.56
Dividend Growth(5Y)-49.11%
DP31.98%
Div Incr Years1
Div Non Decr Years1
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)1.61%
PT rev (3m)3.52%
EPS NQ rev (1m)0.79%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)0.18%
EPS NY rev (3m)2.36%
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 8.84
Fwd PE 8.21
P/S 3.03
P/FCF 7.1
P/OCF 6.67
P/B 1.25
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)7.72
EY11.31%
EPS(NY)8.31
Fwd EY12.18%
FCF(TTM)9.61
FCFY14.09%
OCF(TTM)10.24
OCFY15%
SpS22.49
BVpS54.71
TBVpS49.41
PEG (NY)1.15
PEG (5Y)N/A
Graham Number97.48
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
WACC13.75%
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 Y7.68%
EPS Next 2Y9.03%
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 Year32.64%
Revenue Next 2Y21.53%
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 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 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 8.84 and the Price/Book (PB) ratio is 1.25.


How financially healthy is BURKE & HERBERT FINANCIAL SE?

The financial health rating of BURKE & HERBERT FINANCIAL SE (BHRB) is 2 / 10.