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Burke & Herbert Bank & Company
(NASDAQ:BHRB)
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Rating:68Neutral
Price Target:
$76.00
▲(6.01% Upside)
Action:Reiterated
Date:10/22/26
BHRB scores as moderately attractive: solid profitability and improved leverage metrics drive the result, supported by reasonable valuation (P/E ~11) and a ~3.17% dividend yield. The score is held back by cooling top-line momentum (TTM revenue down ~8.8%), mixed cash flow consistency, and largely neutral technicals with a negative MACD.
Positive Factors
Durable profitability
Healthy net and EBIT margins indicate that the bank retains meaningful earnings power despite a softer revenue backdrop. Improved profitability from 2024 provides internal capacity to absorb costs, support capital formation, and fund customer and balance-sheet growth over the next several quarters.
Negative Factors
Cooling revenue momentum
The reversal from earlier growth to an approximately 8.8% TTM revenue decline signals weaker near-term business momentum. If sustained, slower top-line expansion could limit operating leverage, constrain earnings growth, and make the bank more dependent on margin management and expense control.
Read all positive and negative factors
Positive Factors
Negative Factors
Durable profitability
Healthy net and EBIT margins indicate that the bank retains meaningful earnings power despite a softer revenue backdrop. Improved profitability from 2024 provides internal capacity to absorb costs, support capital formation, and fund customer and balance-sheet growth over the next several quarters.
Read all positive factors
Burke & Herbert Bank & Company (BHRB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.42B
Dividend Yield3.17%
Average Volume (3M)145.79K
Price to Earnings (P/E)11.1
Beta (1Y)0.81
Revenue Growth3.09%
EPS Growth-9.19%
CountryUS
Employees1,051
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding20,187,033
10 Day Avg. Volume175,452
30 Day Avg. Volume145,790
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 Cap1.37
Enterprise Value/Revenue4.36
Enterprise Value/Gross Profit6.40
Enterprise Value/Ebitda13.33
Forecast
1Y Price Target
$78.00Price Target Upside8.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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
BHRB primarily makes money through traditional bank revenue streams: (1) Net interest income: the spread between interest earned on interest-earning assets (primarily loans and, where applicable, investment securities) and interest paid on funding...
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 | 145.07M | 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
Positive
71.69
Price Trends
70.56
Negative
69.82
Negative
66.51
Positive
Market Momentum
-0.23
Negative
48.61
Neutral
53.51
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 71.69 is above the 20-day moving average (MA) of 69.24, above the 50-day MA of 70.56, and above the 200-day MA of 66.51, indicating a neutral trend. The MACD of -0.23 indicates Negative momentum. The RSI at 48.61 is Neutral, neither overbought nor oversold. The STOCH value of 53.51 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $668.91M | 5.16 | 27.40% | 0.66% | 40.09% | 327.11% | |
76 Outperform | $659.60M | 11.76 | 13.85% | 1.24% | 11.76% | 26.80% | |
70 Outperform | $323.73M | 13.26 | 9.16% | 1.22% | 5.41% | 29.77% | |
68 Neutral | $1.42B | 11.06 | 10.37% | 3.17% | 3.09% | -9.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $350.84M | 37.31 | 3.40% | 24.36% | -10.98% | ― | |
57 Neutral | $870.62M | -22.64 | -3.36% | 0.14% | -11.54% | -24.79% |
* Financial Sector Average
BHRB
Burke & Herbert Bank & Company
69.47
10.49
17.79%
EGBN
Eagle Bancorp
28.53
11.61
68.61%
CARE
Carter Bankshares
30.37
12.75
72.37%
CBNK
Capital Bancorp
40.34
11.35
39.17%
BRBS
Blue Ridge Bankshares
4.00
0.50
14.29%
JMSB
John Marshall Bancorp
22.94
4.11
21.79%
Burke & Herbert Bank & Company Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresM&A TransactionsPrivate Placements and Financing
Burke & Herbert declares quarterly dividend, affirms strength
Positive
Oct 22, 2026
Burke Herbert Financial Services Corp. reported strong results for the quarter ended September 30, 2026, highlighting net income applicable to common shares of $36.2 million and diluted EPS of $1.78, with adjusted operating net income of $43.4 mi...
Business Operations and StrategyPrivate Placements and Financing
Burke & Herbert completes $100 million subordinated notes offering
Positive
Sep 30, 2026
On September 30, 2026, Burke Herbert Financial Services completed a $100 million underwritten public offering of 7.00% fixed-to-floating rate subordinated notes due 2036 at par, following pricing announced on September 28, 2026. The notes will pa...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Burke & Herbert Plans Subordinated Notes Offering Amid Merger
Neutral
Sep 28, 2026
On September 28, 2026, Burke Herbert Financial Services Corp. filed a preliminary prospectus supplement outlining a proposed offering of a new series of fixed-to-floating rate subordinated notes due 2036, under an effective shelf registration. Th...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Burke & Herbert Releases Q3 Fixed-Income Investor Presentation
Neutral
Sep 18, 2026
Burke Herbert Financial Services Corp. has released a fixed-income investor presentation dated September 1, 2026, to be used by management during third-quarter 2026 meetings with investors, analysts and other stakeholders, providing an overview o...
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....
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.