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

• Market Cap: $938.74M
• Dividend Yield: 3.44%
• Average Volume (3M): 61.75K
• Price to Earnings (P/E): 17.8
• Beta (1Y): 0.78
• Revenue Growth: 181.68%
• EPS Growth: 28.82%
• Country: US
• Employees: 814
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 1.80
• Shares Outstanding: 15,005,419
• 10 Day Avg. Volume: 106,259
• 30 Day Avg. Volume: 61,752
• 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: 1.18
• Enterprise Value/Revenue: 0.78
• Enterprise Value/Gross Profit: 3.87
• Enterprise Value/Ebitda: 5.92
• 1Y Price Target: $70.00
• Price Target Upside: 11.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 70 Outperform
• Price Target: $64.00 ▲(2.30%Upside)

Burke & Herbert Bank exhibits solid financial performance with consistent revenue growth and efficient cash management. The recent corporate events, including a share repurchase program and executive appointment, further bolster its strategic positioning. The stock's technical indicators suggest potential stability and moderate upward momentum. Valuation metrics indicate a fair market price with an attractive dividend yield for income-focused investors.

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

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: Positive
• Last Price: 62.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 62.56 is above the 20-day moving average (MA) of 58.92, above the 50-day MA of 57.25, and above the 200-day MA of 59.99, indicating a bullish trend. The MACD of 1.54 indicates Negative momentum. The RSI at 66.26 is Neutral, neither overbought nor oversold. The STOCH value of 85.05 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FMBH	75 Outperform	$935.81M	11.59	9.65%	2.42%	10.25%	8.73%
SBSI	73 Outperform	$927.57M	10.55	11.03%	4.62%	9.34%	8.12%
AMAL	72 Outperform	$1.01B	9.81	15.41%	1.68%	10.80%	10.48%
BHRB	70 Outperform	$938.74M	17.82	10.71%	3.44%	181.68%	28.82%
UVSP	69 Neutral	$924.45M	12.01	8.93%	2.69%	7.16%	12.20%
Sector *	67 Neutral	$16.89B	11.79	9.73%	3.75%	11.97%	-8.33%
HFWA	67 Neutral	$873.44M	17.26	5.95%	3.75%	9.12%	11.62%

Burke & Herbert Bank & Company Corporate Events

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.

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.

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.