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

• Market Cap: $889.33M
• Dividend Yield: 3.57%
• Average Volume (3M): 44.29K
• Price to Earnings (P/E): 8.4
• Beta (1Y): 0.85
• Revenue Growth: 53.68%
• EPS Growth: 290.47%
• 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: -1.12
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 2.35
• P/FCF Ratio: 11.49
• Enterprise Value/Market Cap: 1.83
• Enterprise Value/Revenue: 3.30
• Enterprise Value/Gross Profit: 4.96
• Enterprise Value/Ebitda: 11.06
• 1Y Price Target: $72.00
• Price Target Upside: 19.21% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $68.00 ▲(12.58% Upside)

Burke & Herbert Bank & Company receives a strong overall stock score, driven primarily by its solid financial performance and attractive valuation. The company's consistent revenue growth, robust profitability, and efficient cash management contribute positively. The low P/E ratio and healthy dividend yield further enhance its attractiveness. Technical analysis presents a mixed outlook, with neutral momentum indicators.

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 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 & Company demonstrates solid financial health with strong profitability, manageable leverage, and improving cash flow generation. The income statement shows consistent revenue growth and solid profitability margins. The balance sheet is stable, though the debt-to-equity ratio is slightly elevated. Cash flow analysis reveals strong free cash flow growth, indicating improved cash generation capabilities.

Income Statement

Burke & Herbert Bank & Company shows a strong income statement with consistent revenue growth and solid profitability margins. The TTM data indicates a gross profit margin of 60.57% and a net profit margin of 12.17%, reflecting efficient cost management. Revenue growth rate is positive at 3.99%, indicating a healthy upward trajectory. EBIT and EBITDA margins are also robust, supporting operational efficiency.

Balance Sheet

The balance sheet presents a stable financial position with a debt-to-equity ratio of 0.98, which is manageable but slightly elevated compared to previous years. Return on equity is moderate at 7.68%, indicating decent profitability relative to shareholder equity. The equity ratio stands at 9.68%, suggesting a balanced asset structure but with room for improvement in equity financing.

Cash Flow

Cash flow analysis reveals strong free cash flow growth of 15.24% in the TTM period, indicating improved cash generation capabilities. The operating cash flow to net income ratio is 0.18, and the free cash flow to net income ratio is 0.96, reflecting effective conversion of income into cash flow. These metrics highlight the company's ability to sustain operations and invest in growth.

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: Positive
• Last Price: 60.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 60.4 is above the 20-day moving average (MA) of 60.15, below the 50-day MA of 61.18, and above the 200-day MA of 58.87, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 50.18 is Neutral, neither overbought nor oversold. The STOCH value of 58.44 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESQ	79 Outperform	$810.91M	16.69	19.19%	0.72%	17.98%	14.35%
OSBC	77 Outperform	$952.70M	11.99	9.24%	1.36%	10.42%	-18.32%
BHRB	75 Outperform	$889.33M	8.41	13.70%	3.57%	53.68%	290.47%
UVSP	75 Outperform	$841.46M	9.89	9.61%	2.94%	4.49%	20.44%
FMBH	68 Neutral	$863.17M	9.87	9.74%	2.76%	3.54%	12.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBSI	60 Neutral	$865.60M	12.50	8.53%	5.00%	-4.08%	-16.80%

Burke & Herbert Bank & Company Corporate Events

Burke & Herbert Bank Amends Executive Employment Agreements

On October 28, 2025, Burke & Herbert Financial Services Corp. and its subsidiary Burke & Herbert Bank & Trust Company amended and restated employment agreements with CEO David P. Boyle and CFO Roy E. Halyama. These agreements, which include terms for salary, incentives, and benefits, aim to secure the executives’ continued leadership and align their interests with the company’s long-term goals. The agreements also include provisions for termination benefits and enforce compliance with company policies, potentially impacting the company’s operational stability and stakeholder confidence.

The most recent analyst rating on (BHRB) stock is a Buy with a $72.00 price target. To see the full list of analyst forecasts on Burke & Herbert Bank & Company stock, see the BHRB Stock Forecast page.

Burke & Herbert Reports Steady Q3 2025 Earnings

Burke & Herbert Financial Services Corp., the financial holding company for Burke & Herbert Bank & Trust Company, operates as the oldest continuously operating bank under its original name in the greater Washington, D.C. metropolitan area, providing a comprehensive range of financial solutions across multiple states.

Burke & Herbert Reports Strong Q3 2025 Financial Results

On October 23, 2025, Burke & Herbert Financial Services Corp. announced its third-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 December 1, 2025, to shareholders of record as of November 14, 2025. The company demonstrated strong financial health with a loan-to-deposit ratio of 86.7%, ample liquidity totaling $4.3 billion, and robust capital ratios well above regulatory requirements. The company continues to expand its market presence, having opened a new branch in Bethesda, Maryland, and experiencing growth in newer markets like Fredericksburg and Richmond, Virginia.

The most recent analyst rating on (BHRB) stock is a Buy with a $64.00 price target. To see the full list of analyst forecasts on Burke & Herbert Bank & Company stock, see the BHRB Stock Forecast page.

Burke & Herbert Reports Strong Q2 2025 Results

Burke & Herbert Financial Services Corp. is a financial holding company for Burke & Herbert Bank & Trust Company, the oldest continuously operating bank under its original name in the greater Washington, D.C. area, offering a comprehensive range of banking, borrowing, and investment solutions across multiple states.