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

• Market Cap: $863.26M
• Dividend Yield: 3.75%
• Average Volume (3M): 34.13K
• Price to Earnings (P/E): 16.4
• Beta (1Y): 0.65
• Revenue Growth: 181.68%
• EPS Growth: 28.77%
• Country: US
• Employees: 814
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.80
• Shares Outstanding: 15,005,419
• 10 Day Avg. Volume: 35,478
• 30 Day Avg. Volume: 34,134
• PEG Ratio: 0.53
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.46
• Enterprise Value/Market Cap: 1.26
• Enterprise Value/Revenue: 1.52
• Enterprise Value/Gross Profit: 3.49
• Enterprise Value/Ebitda: 11.01
• 1Y Price Target: $70.00
• Price Target Upside: 24.56% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 70 Outperform
• Price Target: ―

Burke & Herbert Bank & Company demonstrates strong financial stability and profitability, with robust capital management. However, challenges include a bearish technical outlook and revenue declines, which could impact future growth. The stock's valuation is reasonable with a protective dividend yield, and recent corporate actions underline strategic focus, but leadership changes add uncertainty.

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 makes money primarily through the interest income generated from loans and mortgages provided to its customers. The bank also earns revenue from fees related to account maintenance, transaction services, and other financial products. Additionally, it benefits from investment income through wealth management services and from interest earned on its investment portfolio. Significant partnerships with local businesses and community organizations also contribute to its earnings by expanding its customer base and enhancing its service offerings.

Burke & Herbert Bank & Company Financial Statement Overview

Summary

Burke & Herbert Bank & Company exhibits strong profitability and financial stability, driven by high margins and a solid equity base. Despite the revenue decline in 2024, the company's zero debt and high return on equity provide a cushion against market volatility. The healthy cash flow generation further enhances its financial resilience. However, maintaining revenue growth will be crucial for sustaining long-term success.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
36.17M	109.14M	120.78M	113.85M	108.81M
	Gross Profit
36.17M	164.85M	120.78M	113.85M	108.81M
	EBIT
50.36M	23.52M	52.30M	40.44M	28.44M
	EBITDA
0.00	27.93M	55.35M	43.65M	31.38M
	Net Income Common Stockholders
35.71M	22.69M	44.01M	36.16M	26.50M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
467.69M	1.26B	50.30M	77.36M	228.70M
	Total Assets
7.81B	3.62B	3.56B	3.62B	3.43B
	Total Debt
476.88M	272.00M	343.10M	275.00M	225.00M
	Net Debt
341.57M	227.50M	292.81M	197.64M	-3.70M
	Total Liabilities
7.08B	3.30B	3.29B	3.23B	3.05B
	Stockholders Equity
730.16M	314.75M	273.45M	389.63M	384.88M
Cash Flow		Free Cash Flow
81.23M	32.76M	37.98M	53.72M	20.48M
	Operating Cash Flow
86.15M	47.01M	61.06M	54.80M	23.17M
	Investing Cash Flow
123.56M	-44.53M	-127.56M	-384.13M	-405.72M
	Financing Cash Flow
-118.54M	-8.28M	39.44M	177.99M	527.50M

Burke & Herbert Bank & Company Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 56.20
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 56.2 is above the 20-day moving average (MA) of 55.98, above the 50-day MA of 54.56, and below the 200-day MA of 60.51, indicating a neutral trend. The MACD of 1.07 indicates Negative momentum. The RSI at 52.08 is Neutral, neither overbought nor oversold. The STOCH value of 28.08 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
AMAL	76 Outperform	$951.65M	9.23	15.41%	1.65%	10.80%	10.48%
FMBH	75 Outperform	$885.91M	10.98	9.65%	2.57%	10.25%	8.73%
SBSI	73 Outperform	$887.38M	10.09	11.03%	4.90%	9.34%	8.12%
UVSP	72 Outperform	$883.73M	11.48	8.93%	2.75%	7.16%	12.20%
BHRB	70 Outperform	$863.26M	16.39	10.71%	3.75%	181.68%	28.77%
HFWA	69 Neutral	$818.87M	16.19	5.95%	3.87%	9.12%	11.62%
Sector *	64 Neutral	$12.78B	9.87	7.67%	17015.06%	12.34%	-5.99%

Burke & Herbert Bank & Company Corporate Events

Burke & Herbert Reports Strong Q1 2025 Financial Results

On April 25, 2025, Burke & Herbert Financial Services Corp. announced its first quarter 2025 financial results, highlighting a net income of $27.0 million and a diluted EPS of $1.80, showing significant growth from the previous quarter. The company also declared a $0.55 per share cash dividend and authorized a $50 million share repurchase program, indicating strong financial health and strategic capital management. The company remains well-capitalized with robust liquidity and stable asset quality, positioning it for disciplined growth.

Spark’s Take on BHRB Stock

According to Spark, TipRanks’ AI Analyst, BHRB is a Neutral.

Burke & Herbert Bank & Company has a strong financial foundation, supported by high profitability and a robust balance sheet. However, the decline in revenue and technical indicators showing a bearish trend pose challenges for the stock’s short-term performance. The stock is fairly valued, and the dividend yield offers some protection. Leadership changes introduce uncertainty but also potential for strategic improvement.

To see Spark’s full report on BHRB stock, click here.

Burke & Herbert Appoints New Chief Accounting Officer

On April 21, 2025, Burke & Herbert Financial Services Corp. announced the appointment of Patrick ‘Kip’ Huffman as Senior Vice President and Chief Accounting Officer. Huffman, with nearly 20 years of experience in accounting and finance, will oversee the company’s accounting functions, including policy, financial and regulatory reporting, and risk control execution. This appointment is expected to strengthen the company’s financial operations and enhance its strategic positioning in the financial services industry.

Spark’s Take on BHRB Stock

According to Spark, TipRanks’ AI Analyst, BHRB is a Neutral.

Burke & Herbert Bank & Company has a stable financial foundation, supported by strong profitability and a robust balance sheet. However, the decline in revenue and the recent departure of a key executive pose challenges. Technical indicators suggest a bearish trend, which may impact short-term performance. The stock is fairly valued, with a decent dividend yield providing some downside protection. Overall, while the company has strengths in its financial stability, it must address growth and leadership challenges to improve its stock outlook.

To see Spark’s full report on BHRB stock, click here.

Burke & Herbert Announces CAO Julie Markwood’s Departure

On December 3, 2024, Burke & Herbert Financial Services Corp. announced that Julie R. Markwood, the Chief Accounting Officer, would be taking a temporary leave of absence for medical reasons and would not resume her duties, leading to her employment ending on April 2, 2025. Julie R. Markwood, who served the company and its predecessor for 37 years, was recognized for her significant contributions, and her departure is deeply regretted by her colleagues. Kirtan Parikh will continue as Interim Chief Accounting Officer.