Burke & Herbert Bank & Trust Company (BHRB)
NASDAQ:BHRB
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Burke & Herbert Bank & Company
(NASDAQ:BHRB)
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Rating:73Outperform
Price Target:
$73.00
â–²(10.19% Upside)
Action:Upgraded
Date:06/19/26
Overall score reflects solid financial performance with some near-term revenue/cash-flow softness, strong valuation support from a low P/E and healthy dividend yield, and a generally positive technical backdrop (price above key moving averages with positive MACD). Corporate events are supportive due to the completed merger, though integration execution remains a key watch item.
Positive Factors
High profitability and ROE
Sustained TTM net margin near 24% and ROE about 14% indicate durable earnings power for a regional bank. That profitability supports recurring dividends, internal capital generation, and the capacity to fund growth or absorb credit stress without immediate capital raises.
Negative Factors
Top-line momentum weakness
A recent TTM revenue decline after prior growth introduces structural uncertainty in sustaining earnings. Weaker top-line trends constrain margin expansion and capital accumulation, making profitability more sensitive to credit margins and requiring successful growth or cross-sell initiatives to restore durable revenue momentum.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and ROE
Sustained TTM net margin near 24% and ROE about 14% indicate durable earnings power for a regional bank. That profitability supports recurring dividends, internal capital generation, and the capacity to fund growth or absorb credit stress without immediate capital raises.
Read all positive factors
Burke & Herbert Bank & Company (BHRB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.32B
Dividend Yield3.49%
Average Volume (3M)180.21K
Price to Earnings (P/E)8.4
Beta (1Y)0.86
Revenue Growth1.77%
EPS Growth119.62%
CountryUS
Employees814
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.75
Shares Outstanding20,149,805
10 Day Avg. Volume220,428
30 Day Avg. Volume180,212
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.10
Price to Sales (P/S)1.92
P/FCF Ratio9.81
Enterprise Value/Market Cap1.15
Enterprise Value/Revenue3.13
Enterprise Value/Gross Profit4.47
Enterprise Value/Ebitda9.07
Forecast
1Y Price Target
$72.67Price Target Upside9.69% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)7.91
Revenue Forecast (FY)$452.50M
Burke & Herbert Bank & Company Business Overview & Revenue Model
Company Description
Burke & Herbert Financial Services Corp. operates as a bank holding company, offering a comprehensive range of banking products and financial solutions. Its client base includes small to medium-sized businesses, along with their owners and employe...
How the Company Makes Money
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Burke & Herbert Bank & Company Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
67
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 486.10M | 491.11M | 396.93M | 162.28M | 127.48M | 119.13M |
| Gross Profit | 340.17M | 340.51M | 232.33M | 108.93M | 126.00M | 115.92M |
| EBITDA | 167.70M | 167.66M | 57.30M | 27.93M | 55.56M | 43.65M |
| Net Income | 117.46M | 117.32M | 35.71M | 22.69M | 44.01M | 36.16M |
Balance Sheet | ||||||
| Total Assets | 7.93B | 7.92B | 7.81B | 3.62B | 3.56B | 3.62B |
| Cash, Cash Equivalents and Short-Term Investments | 69.59M | 1.67B | 467.69M | 550.44M | 1.42B | 1.68B |
| Total Debt | 613.84M | 537.49M | 476.88M | 544.00M | 686.20M | 550.00M |
| Total Liabilities | 7.06B | 7.07B | 7.08B | 3.30B | 3.29B | 3.23B |
| Stockholders Equity | 864.50M | 854.65M | 730.16M | 314.75M | 273.45M | 389.63M |
Cash Flow | ||||||
| Free Cash Flow | 84.99M | 96.23M | 81.23M | 28.26M | 37.98M | 53.87M |
| Operating Cash Flow | 96.79M | 107.93M | 86.15M | 42.51M | 61.06M | 54.95M |
| Investing Cash Flow | -126.86M | 136.72M | 123.56M | -43.17M | -127.41M | -384.13M |
| Financing Cash Flow | -49.18M | -90.84M | -118.54M | -5.14M | 39.29M | 177.83M |
Burke & Herbert Bank & Company Technical Analysis
Positive
66.25
Price Trends
63.90
Positive
63.96
Positive
62.74
Positive
Market Momentum
0.79
Negative
55.88
Neutral
46.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BHRB, the sentiment is Positive. The current price of 66.25 is above the 20-day moving average (MA) of 64.51, above the 50-day MA of 63.90, and above the 200-day MA of 62.74, indicating a bullish trend. The MACD of 0.79 indicates Negative momentum. The RSI at 55.88 is Neutral, neither overbought nor oversold. The STOCH value of 46.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BHRB.
Burke & Herbert Bank & Company Risk Analysis
Burke & Herbert Bank & Company disclosed 53 risk factors in its most recent earnings report. Burke & Herbert Bank & Company reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Burke & Herbert Bank & Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.16B | 12.23 | 10.19% | 2.59% | 3.92% | 25.09% | |
76 Outperform | $980.83M | 18.14 | 18.23% | 0.66% | 20.11% | 11.08% | |
73 Outperform | $1.32B | 8.40 | 14.15% | 3.49% | 1.77% | 119.62% | |
73 Outperform | $1.13B | 13.40 | 10.20% | 1.24% | 26.26% | -8.61% | |
70 Outperform | $1.22B | 11.85 | 9.93% | 2.43% | 5.91% | 17.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.00B | 14.09 | 8.49% | 4.59% | -6.76% | -18.82% |
* Financial Sector Average
BHRB
Burke & Herbert Bank & Company
65.51
9.52
16.99%
OSBC
Old Second Bancorp
21.89
4.94
29.16%
SBSI
Southside Bancshares
33.63
6.07
22.02%
UVSP
Univest Of Pennsylvania
41.64
12.32
42.01%
FMBH
First Mid-Illinois Bancshares
45.86
10.32
29.03%
ESQ
Esquire Financial Holdings
113.53
20.49
22.02%
Burke & Herbert Bank & Company Corporate Events
Executive/Board ChangesShareholder Meetings
Burke & Herbert Shareholders Reelect Board, Ratify Auditors
Positive
Jun 18, 2026
Burke Herbert Financial Services Corp. reported the results of its Annual Meeting of shareholders held on June 18, 2026, where 11,508,176 of 15,046,137 eligible shares were represented, constituting a quorum. Shareholders elected fourteen directo...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Burke & Herbert Completes LINKBANCORP Merger, Expands Leadership
Positive
May 1, 2026
On May 1, 2026, Burke Herbert Financial Services Corp. completed its previously announced merger with LINKBANCORP, Inc., followed immediately by the merger of LINKBANK into Burke Herbert Bank Trust Company, with Burke Herbert and its bank subs...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Burke & Herbert Advances LINKBANCORP Merger After Approval
Positive
Apr 23, 2026
Burke Herbert Financial Services Corp., parent of Burke Herbert Bank Trust Company, reported first-quarter 2026 net income applicable to common shares of $27.1 million, or $1.79 per diluted share, down from $30.0 million and $1.98 in the prior ...
Business Operations and StrategyM&A Transactions
Burke & Herbert Gains Final Approvals for LINKBANCORP Merger
Positive
Apr 13, 2026
On April 13, 2026, Burke Herbert Financial Services Corp. and LINKBANCORP, Inc. announced they had obtained all required regulatory approvals or waivers for LINK’s merger into Burke Herbert. The deal, originally agreed on December 18, 2025...
Business Operations and StrategyM&A TransactionsShareholder Meetings
Burke & Herbert Shareholders Approve LINKBANCORP Merger Plan
Positive
Mar 25, 2026
On March 25, 2026, Burke Herbert Financial Services Corp. shareholders met in a special meeting to vote on the proposed merger under which LINKBANCORP, Inc. will merge into Burke Herbert, with Burke Herbert as the surviving corporation. Of 15,0...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.