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

• Market Cap: $907.38M
• Dividend Yield: 3.47%
• Average Volume (3M): 79.02K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.81
• Revenue Growth: 113.60%
• EPS Growth: 1224.71%
• Country: US
• Employees: 814
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.97
• Shares Outstanding: 15,005,419
• 10 Day Avg. Volume: 46,402
• 30 Day Avg. Volume: 79,017
• PEG Ratio: 0.32
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.60
• Enterprise Value/Market Cap: 1.23
• Enterprise Value/Revenue: 0.78
• Enterprise Value/Gross Profit: 3.87
• Enterprise Value/Ebitda: 5.92
• 1Y Price Target: $71.67
• Price Target Upside: 18.52% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 79 Outperform
• Price Target: $73.00 ▲(20.72%Upside)

Burke & Herbert Bank scores well due to solid financial performance and positive corporate events. The technical indicators suggest a stable upward trend, and the valuation is reasonable with an attractive dividend yield. The absence of earnings call data slightly limits the evaluation, but the overall outlook remains positive.

Burke & Herbert Bank & Company Business Overview & Revenue Model

Company Description

Burke & Herbert Bank & Trust Company provides various banking products and services to individuals and businesses in the Northern Virginia. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also offers debit, credit, and gift cards; mortgage, consumer, commercial real estate, and small business loans, as well as home equity lines of credit, and commercial loans and lines of credit; and financing for medical and dental practices. In addition, the company provides safe deposit boxes; online wire, ACH, positive pay, remote deposit, merchant, lockbox, and sweep services. Further, it offers wealth management, retirement planning, estate planning and asset management, and insurance services, as well as private, online, and mobile banking services. As of March 19, 2022, the company operated through approximately 20 branches in Northern Virginia. Burke & Herbert Bank & Trust Company was founded in 1852 and is based in Alexandria, Virginia.

How the Company Makes Money

Burke & Herbert Bank & Company generates revenue through a variety of financial services and products. The primary revenue streams include interest income from loans such as personal, commercial, and mortgage loans, as well as income from investment securities. Additionally, the bank earns money through fees and service charges associated with various banking services, including account maintenance fees, transaction fees, and other related charges. Wealth management services also contribute to the bank's revenue, offering investment advice and financial planning to clients. The bank's strategic partnerships and community involvement further enhance its brand and customer base, contributing to its earnings.

Burke & Herbert Bank & Company Financial Statement Overview

Summary

The company exhibits strong profitability and financial stability, with a notable net profit margin and zero debt, which provides a cushion against market volatility. However, the significant revenue decline in 2024 raises concerns about future growth.

Income Statement

The company demonstrated a strong net profit margin of 98.73% in 2024, indicating efficient cost management and profitability. However, revenue for 2024 showed a significant decline of 67.4% from the previous year, raising concerns about future growth prospects. The lack of EBIT and EBITDA in 2024 further suggests a potential shift in financial strategy or operational challenges.

Balance Sheet

Burke & Herbert Bank & Company maintains a robust financial position with a high equity ratio of 87.14% in 2024, reflecting strong capitalization and low leverage. The debt-to-equity ratio is zero, indicating no debt and a conservative financial structure. Return on equity reached an impressive 4.48%, showcasing effective utilization of shareholder funds.

Cash Flow

The company has displayed a positive operating cash flow to net income ratio of 1.02 in 2024, indicating healthy cash generation from operations. Free cash flow increased significantly in 2024, supported by consistent positive operating cash flows. However, the cash flow from financing activities was negative, suggesting a reduction in external financing or debt repayment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	474.16M	396.93M	162.28M	127.48M	117.28M	120.00M
Gross Profit	287.21M	232.33M	108.93M	126.00M	114.06M	97.45M
EBITDA	89.44M	57.30M	27.93M	55.56M	43.65M	31.38M
Net Income	57.70M	35.71M	22.69M	44.01M	36.16M	26.50M
Balance Sheet
Total Assets	7.84B	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	413.29M	476.88M	544.00M	686.20M	550.00M	450.00M
Total Liabilities	7.08B	7.08B	3.30B	3.29B	3.23B	3.04B
Stockholders Equity	758.00M	730.16M	314.75M	273.45M	389.63M	384.88M
Cash Flow
Free Cash Flow	111.52M	81.23M	28.26M	37.98M	53.72M	20.49M
Operating Cash Flow	116.71M	86.15M	42.51M	61.06M	54.80M	23.19M
Investing Cash Flow	217.64M	123.56M	-43.17M	-127.41M	-384.13M	-405.74M
Financing Cash Flow	-238.37M	-118.54M	-5.14M	39.44M	177.99M	527.50M

Burke & Herbert Bank & Company Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 60.47
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 60.47 is below the 20-day moving average (MA) of 63.47, above the 50-day MA of 59.81, and above the 200-day MA of 60.29, indicating a neutral trend. The MACD of 0.75 indicates Positive momentum. The RSI at 43.34 is Neutral, neither overbought nor oversold. The STOCH value of 11.95 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BHRB.

Burke & Herbert Bank & Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BHRB	79 Outperform	$907.38M	8.78	14.19%	3.47%	113.60%	1224.71%
AMAL	76 Outperform	$913.10M	8.93	14.78%	1.75%	6.94%	3.96%
FMBH	75 Outperform	$944.45M	11.18	9.87%	2.44%	5.18%	13.05%
SBSI	74 Outperform	$920.15M	10.87	10.65%	4.71%	3.54%	4.47%
HFWA	72 Outperform	$801.14M	16.40	5.69%	4.14%	6.92%	13.94%
Sector *	67 Neutral	$17.06B	11.24	9.31%	3.84%	11.08%	-3.39%
UVSP	66 Neutral	$858.03M	10.85	9.02%	2.88%	5.97%	12.97%

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.

The most recent analyst rating on (BHRB) stock is a Buy with a $76.00 price target. To see the full list of analyst forecasts on Burke & Herbert Bank & Company stock, see the BHRB Stock Forecast page.

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.

The most recent analyst rating on (BHRB) stock is a Hold with a $66.00 price target. To see the full list of analyst forecasts on Burke & Herbert Bank & Company stock, see the BHRB Stock Forecast page.