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Burke & Herbert Bank & Company
(NASDAQ:BHRB)
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Rating:73Outperform
Price Target:
$82.00
▲(16.36% Upside)
Action:Reiterated
Date:08/08/26
The score is driven primarily by solid (but not elite) financial performance—strong profitability offset by declining TTM revenue and uneven operating cash flow strength. Technicals add support with a clear uptrend and positive momentum indicators, while reasonable valuation (low-teens P/E with a ~3% dividend yield) and favorable post-merger corporate updates provide additional tailwinds.
Positive Factors
Post-merger scale and capital strength
The LINKBANCORP merger materially expands BHRB's operating scale and geographic reach while adding a substantial capital base. Larger scale can improve funding diversity, product breadth, and operating leverage over the medium term.
Negative Factors
TTM revenue contraction
The recent top-line decline signals that growth momentum has cooled despite prior expansion. Sustained revenue pressure could limit operating leverage and make it harder for BHRB to absorb merger-related costs while maintaining current profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Post-merger scale and capital strength
The LINKBANCORP merger materially expands BHRB's operating scale and geographic reach while adding a substantial capital base. Larger scale can improve funding diversity, product breadth, and operating leverage over the medium term.
Read all positive factors
Burke & Herbert Bank & Company (BHRB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.45B
Dividend Yield3.07%
Average Volume (3M)183.01K
Price to Earnings (P/E)11.4
Beta (1Y)0.84
Revenue Growth3.09%
EPS Growth-9.19%
CountryUS
Employees1,051
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.28
Shares Outstanding20,187,033
10 Day Avg. Volume134,302
30 Day Avg. Volume183,015
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.10
Price to Sales (P/S)1.91
P/FCF Ratio9.73
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$78.00Price Target Upside10.69% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)7.64
Revenue Forecast (FY)$441.00M
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
74
Positive
Balance Sheet
71
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 443.31M | 491.11M | 396.93M | 162.28M | 127.48M | 119.13M |
| Gross Profit | 302.01M | 340.51M | 232.33M | 108.93M | 126.00M | 115.92M |
| EBITDA | 131.26M | 167.66M | 57.30M | 27.93M | 55.56M | 43.65M |
| Net Income | 97.06M | 117.32M | 35.71M | 22.69M | 44.01M | 36.16M |
Balance Sheet | ||||||
| Total Assets | 10.99B | 7.92B | 7.81B | 3.62B | 3.56B | 3.62B |
| Cash, Cash Equivalents and Short-Term Investments | 2.08B | 1.67B | 467.69M | 550.44M | 1.42B | 1.68B |
| Total Debt | 677.18M | 537.49M | 476.88M | 544.00M | 686.20M | 550.00M |
| Total Liabilities | 9.79B | 7.07B | 7.08B | 3.30B | 3.29B | 3.23B |
| Stockholders Equity | 1.20B | 854.65M | 730.16M | 314.75M | 273.45M | 389.63M |
Cash Flow | ||||||
| Free Cash Flow | 86.49M | 96.23M | 81.23M | 28.26M | 37.98M | 53.87M |
| Operating Cash Flow | 97.06M | 107.93M | 86.15M | 42.51M | 61.06M | 54.95M |
| Investing Cash Flow | 96.85M | 136.72M | 123.56M | -43.17M | -127.41M | -384.13M |
| Financing Cash Flow | -351.90M | -90.84M | -118.54M | -5.14M | 39.29M | 177.83M |
Burke & Herbert Bank & Company Technical Analysis
Neutral
70.47
Price Trends
70.78
Positive
67.02
Positive
65.10
Positive
Market Momentum
0.26
Positive
49.68
Neutral
46.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BHRB, the sentiment is Neutral. The current price of 70.47 is below the 20-day moving average (MA) of 72.53, below the 50-day MA of 70.78, and above the 200-day MA of 65.10, indicating a neutral trend. The MACD of 0.26 indicates Positive momentum. The RSI at 49.68 is Neutral, neither overbought nor oversold. The STOCH value of 46.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
86 Outperform | $1.37B | 17.77 | 17.82% | 0.62% | 19.99% | 10.00% | |
75 Outperform | $1.28B | 14.19 | 10.39% | 1.09% | 33.92% | -4.91% | |
74 Outperform | $1.14B | 11.94 | 10.41% | 2.11% | 2.41% | 26.67% | |
73 Outperform | $1.45B | 11.42 | 10.37% | 3.12% | 3.09% | -9.19% | |
72 Outperform | $1.33B | 12.45 | 9.86% | 1.96% | 10.34% | 14.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $951.17M | 12.62 | 8.89% | 4.21% | -4.09% | -9.75% |
* Financial Sector Average
BHRB
Burke & Herbert Bank & Company
71.69
10.21
16.60%
OSBC
Old Second Bancorp
25.25
6.97
38.13%
SBSI
Southside Bancshares
32.06
2.13
7.11%
UVSP
Univest Of Pennsylvania
41.66
10.69
34.53%
FMBH
First Mid-Illinois Bancshares
50.30
10.73
27.12%
ESQ
Esquire Financial Holdings
112.66
13.07
13.12%
Burke & Herbert Bank & Company Corporate Events
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Burke & Herbert Establishes Change-in-Control Pact With CFO
Neutral
Aug 11, 2026
On July 6, 2026, Burke Herbert Financial Services Corp. and its banking subsidiary entered into a change in control agreement with Executive Vice President and Chief Financial Officer Kirtan Parikh, outlining severance protections tied to a poten...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Burke & Herbert Declares Quarterly Dividend After Merger
Positive
Jul 23, 2026
Burke Herbert Financial Services Corp., a regional financial holding company and community bank operator, reported second-quarter 2026 results reflecting its expanded scale following the May 1, 2026 completion of its merger with LINKBANCORP, Inc....
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Burke & Herbert Bank Formalizes President Maddy’s Separation
Neutral
Jul 7, 2026
Burke Herbert Financial Services Corp. previously disclosed that President H. Charles Maddy, III would retire from the company and Burke Herbert Bank Trust Company effective June 30, 2026, triggering separation benefits under his existing emplo...
Executive/Board ChangesShareholder Meetings
Burke & Herbert Names Roy Halyama as President
Neutral
Jun 23, 2026
At its June 22, 2026 organizational meeting following the annual shareholders’ gathering, Burke Herbert Financial Services Corp. named current Executive Vice President and Chief Financial Officer Roy E. Halyama as president of both the comp...
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...
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.