Burke & Herbert Bank & Company (BHRB) AI Stock Analysis

• Market Cap: $882.57M
• Dividend Yield: 3.74%
• Average Volume (3M): 44.29K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 0.85
• Revenue Growth: 113.60%
• EPS Growth: 1224.38%
• Country: US
• Employees: 814
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.97
• Shares Outstanding: 15,022,457
• 10 Day Avg. Volume: 43,044
• 30 Day Avg. Volume: 44,290
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.84
• Enterprise Value/Revenue: 3.30
• Enterprise Value/Gross Profit: 4.96
• Enterprise Value/Ebitda: 11.06
• 1Y Price Target: $69.67
• Price Target Upside: 18.59% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 72 Outperform
• Price Target: $64.00 ▲(8.94% Upside)

Burke & Herbert Bank & Company has a solid overall stock score driven primarily by strong financial performance and attractive valuation. The company's consistent revenue growth, profitability, and cash flow generation are significant strengths. However, technical analysis indicates a lack of strong upward momentum, which slightly tempers the overall score.

Burke & Herbert Bank & Company Business Overview & Revenue Model

Company Description

Burke & Herbert Bank & Company (BHRB) is a community bank based in Virginia, offering a range of financial services primarily to individuals and small businesses. Established in 1852, it operates in the banking sector and focuses on providing personalized banking services, including checking and savings accounts, loans, mortgages, and investment services. BHRB prides itself on its local roots and commitment to serving the community with tailored financial solutions and exceptional customer service.

How the Company Makes Money

Burke & Herbert Bank & Company generates revenue through several key streams. The primary source of income comes from net interest income, which is earned from the difference between interest earned on loans and interest paid on deposits. The bank offers various loan products, including personal, auto, and mortgage loans, which contribute significantly to its interest income. Additionally, BHRB earns non-interest income through fees for services such as account maintenance, overdrafts, and transaction fees. The bank may also generate revenue through investment services and wealth management products. Strategic partnerships with local businesses and community organizations enhance its service offerings and attract new customers, further supporting its revenue model.

Burke & Herbert Bank & Company Financial Statement Overview

Summary

Burke & Herbert Bank shows solid financial health with consistent revenue growth and efficient cash flow management. While profitability and leverage are generally well-managed, further improvements in net profit margins and debt reduction could enhance financial stability and performance.

Income Statement

Burke & Herbert Bank exhibits consistent revenue growth, with a notable increase in total revenue from previous years. Gross profit margin remains strong, reflecting efficient cost management. Although net profit margin shows improvement, it could be enhanced further. EBIT and EBITDA margins indicate healthy operational efficiency.

Balance Sheet

The company's balance sheet shows a solid equity ratio, indicating financial stability. The debt-to-equity ratio is moderate, suggesting a reasonable level of leverage. Return on equity has improved, reflecting enhanced profitability. There is room for improvement in reducing total debt to strengthen financial positioning.

Cash Flow

Cash flow analysis reveals a robust free cash flow growth rate, indicating strong cash generation. Operating cash flow to net income ratio is favorable, showcasing efficient cash management. The company maintains a healthy free cash flow to net income ratio, supporting sustainable growth and financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	493.08M	396.93M	162.28M	127.48M	117.28M	120.00M
Gross Profit	328.13M	232.33M	108.93M	126.00M	114.06M	97.45M
EBITDA	147.02M	57.30M	27.93M	55.56M	43.65M	31.38M
Net Income	104.51M	35.71M	22.69M	44.01M	36.16M	26.50M
Balance Sheet
Total Assets	8.06B	7.81B	3.62B	3.56B	3.62B	3.42B
Cash, Cash Equivalents and Short-Term Investments	1.59B	467.69M	550.44M	1.42B	1.68B	1.39B
Total Debt	764.69M	476.88M	544.00M	686.20M	550.00M	450.00M
Total Liabilities	7.28B	7.08B	3.30B	3.29B	3.23B	3.04B
Stockholders Equity	780.02M	730.16M	314.75M	273.45M	389.63M	384.88M
Cash Flow
Free Cash Flow	128.51M	81.23M	28.26M	37.98M	53.72M	20.49M
Operating Cash Flow	136.11M	86.15M	42.51M	61.06M	54.80M	23.19M
Investing Cash Flow	-6.48M	123.56M	-43.17M	-127.41M	-384.13M	-405.74M
Financing Cash Flow	-16.05M	-118.54M	-5.14M	39.44M	177.99M	527.50M

Burke & Herbert Bank & Company Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 58.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BHRB, the sentiment is Negative. The current price of 58.75 is below the 20-day moving average (MA) of 60.67, below the 50-day MA of 61.29, and below the 200-day MA of 58.75, indicating a bearish trend. The MACD of -0.74 indicates Positive momentum. The RSI at 42.92 is Neutral, neither overbought nor oversold. The STOCH value of 35.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BHRB.

Burke & Herbert Bank & Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESQ	79 Outperform	$852.83M	18.47	19.30%	0.68%	16.76%	12.84%
OSBC	78 Outperform	$898.74M	9.32	12.51%	1.41%	2.02%	-2.80%
BHRB	72 Outperform	$882.57M	8.52	14.19%	3.74%	113.60%	1224.38%
UVSP	71 Outperform	$822.96M	10.44	9.02%	3.01%	5.94%	12.97%
SBSI	68 Neutral	$816.98M	9.65	10.65%	5.30%	3.54%	4.47%
FMBH	68 Neutral	$853.35M	10.10	9.87%	2.73%	5.18%	13.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Burke & Herbert Bank & Company Corporate Events

Burke & Herbert Reports Strong Q2 2025 Financial Results

On July 24, 2025, Burke & Herbert Financial Services Corp. announced its second quarter 2025 financial results, reporting a net income of $29.7 million and a diluted EPS of $1.97. The company declared a regular quarterly cash dividend of $0.55 per share, payable on September 2, 2025. The bank’s balance sheet remains strong with ample liquidity and solid capital ratios, indicating a well-capitalized status. The company continues to focus on strategic loan replacements and maintaining asset quality, while planning expansions in Bethesda, Maryland, and Fredericksburg and Richmond, Virginia.

Burke & Herbert Bank Holds Annual Shareholder Meeting

Burke & Herbert Bank & Company held its Annual Meeting on May 22, 2025, where shareholders voted on key proposals. The shareholders elected fifteen directors for a one-year term expiring in 2026 and ratified Crowe LLP as the independent registered public accounting firm for the year ending December 31, 2025.