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Burke & Herbert Bank & Company
(NASDAQ:BHRB)
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Rating:74Outperform
Price Target:
$80.00
▲(13.52% Upside)
Action:Reiterated
Date:07/24/26
The score is driven primarily by attractive valuation (low P/E plus ~3% yield) and constructive technical momentum (price above key moving averages with positive MACD). Financial performance is solid but held back by the TTM revenue decline, softer recent free-cash-flow trend, and rising debt into TTM. Recent corporate events are a modest positive due to the scale-expanding merger and continued dividend actions.
Positive Factors
Scale and Market Footprint
The LINKBANCORP acquisition materially increases scale, branch density and geographic diversification. Larger asset base and a 100+ branch footprint support cross-selling, funding diversification, and fixed-cost absorption, improving durable revenue generation and competitive positioning.
Negative Factors
TTM Revenue Decline
A recent pullback in revenue after prior surge weakens the durability of earnings growth. If top-line growth stalls, margins and return metrics will be harder to sustain, constraining reinvestment, credit growth and the bank’s ability to expand net interest income over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Scale and Market Footprint
The LINKBANCORP acquisition materially increases scale, branch density and geographic diversification. Larger asset base and a 100+ branch footprint support cross-selling, funding diversification, and fixed-cost absorption, improving durable revenue generation and competitive positioning.
Read all positive factors
Burke & Herbert Bank & Company (BHRB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.48B
Dividend Yield3%
Average Volume (3M)183.01K
Price to Earnings (P/E)11.7
Beta (1Y)0.92
Revenue Growth3.09%
EPS Growth-9.21%
CountryUS
Employees832
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.27
Shares Outstanding20,149,805
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)1.92
P/FCF Ratio9.81
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
$76.67Price Target Upside8.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
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
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 | 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 | 88.37M | 96.23M | 81.23M | 28.26M | 37.98M | 53.87M |
| Operating Cash Flow | 96.75M | 107.93M | 86.15M | 42.51M | 61.06M | 54.95M |
| Investing Cash Flow | -113.27M | 136.72M | 123.56M | -43.17M | -127.41M | -384.13M |
| Financing Cash Flow | -239.03M | -90.84M | -118.54M | -5.14M | 39.29M | 177.83M |
Burke & Herbert Bank & Company Technical Analysis
Positive
70.47
Price Trends
68.80
Positive
65.78
Positive
64.53
Positive
Market Momentum
1.45
Negative
64.35
Neutral
86.89
Negative
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 70.47 is below the 20-day moving average (MA) of 71.98, above the 50-day MA of 68.80, and above the 200-day MA of 64.53, indicating a bullish trend. The MACD of 1.45 indicates Negative momentum. The RSI at 64.35 is Neutral, neither overbought nor oversold. The STOCH value of 86.89 is Negative, 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.12B | 20.38 | 17.82% | 0.62% | 19.99% | 10.00% | |
77 Outperform | $1.30B | 14.21 | 10.39% | 1.09% | 33.92% | -4.91% | |
74 Outperform | $1.48B | 11.68 | 10.37% | 3.12% | 3.09% | -9.21% | |
74 Outperform | $1.22B | 12.68 | 10.41% | 2.01% | 2.41% | 26.67% | |
70 Outperform | $1.39B | 12.89 | 9.86% | 1.96% | 10.34% | 14.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $969.06M | 12.80 | 8.89% | 4.21% | -4.09% | -9.75% |
* Financial Sector Average
BHRB
Burke & Herbert Bank & Company
73.76
19.26
35.34%
OSBC
Old Second Bancorp
25.78
9.44
57.80%
SBSI
Southside Bancshares
32.66
5.68
21.05%
UVSP
Univest Of Pennsylvania
43.76
16.23
58.93%
FMBH
First Mid-Illinois Bancshares
51.90
15.63
43.11%
ESQ
Esquire Financial Holdings
131.32
39.01
42.27%
Burke & Herbert Bank & Company Corporate Events
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...
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...
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.