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Burke & Herbert Bank & Trust Company (BHRB)
NASDAQ:BHRB
US Market
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Burke & Herbert Bank & Company (BHRB) AI Stock Analysis

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BHRB

Burke & Herbert Bank & Company

(NASDAQ:BHRB)

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Outperform 77 (OpenAI - 4o)
Rating:77Outperform
Price Target:
$68.00
â–²(10.98% Upside)
Burke & Herbert Bank & Company receives a strong overall stock score driven by its solid financial performance and attractive valuation. The company's consistent revenue growth, strong profitability, and effective cash management are significant strengths. While technical analysis presents mixed signals, the stock's low P/E ratio and healthy dividend yield enhance its appeal. The positive corporate event further supports the company's strategic direction and financial stability.

Burke & Herbert Bank & Company (BHRB) vs. SPDR S&P 500 ETF (SPY)

Burke & Herbert Bank & Company Business Overview & Revenue Model

Company DescriptionBurke & Herbert Bank & Company (BHRB) is a community bank based in Virginia, offering a range of financial services primarily to individuals and small businesses. Established in 1852, it operates in the banking sector and focuses on providing personalized banking services, including checking and savings accounts, loans, mortgages, and investment services. BHRB prides itself on its local roots and commitment to serving the community with tailored financial solutions and exceptional customer service.
How the Company Makes MoneyBurke & 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 shows solid financial health with consistent revenue growth and efficient cash flow management. While profitability and leverage are generally well-managed, further improvements in net profit margins and debt reduction could enhance financial stability and performance.
Income Statement
82
Very Positive
Burke & Herbert Bank exhibits consistent revenue growth, with a notable increase in total revenue from previous years. Gross profit margin remains strong, reflecting efficient cost management. Although net profit margin shows improvement, it could be enhanced further. EBIT and EBITDA margins indicate healthy operational efficiency.
Balance Sheet
75
Positive
The company's balance sheet shows a solid equity ratio, indicating financial stability. The debt-to-equity ratio is moderate, suggesting a reasonable level of leverage. Return on equity has improved, reflecting enhanced profitability. There is room for improvement in reducing total debt to strengthen financial positioning.
Cash Flow
78
Positive
Cash flow analysis reveals a robust free cash flow growth rate, indicating strong cash generation. Operating cash flow to net income ratio is favorable, showcasing efficient cash management. The company maintains a healthy free cash flow to net income ratio, supporting sustainable growth and financial flexibility.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue493.08M396.93M162.28M127.48M117.28M120.00M
Gross Profit328.13M232.33M108.93M126.00M114.06M97.45M
EBITDA147.02M57.30M27.93M55.56M43.65M31.38M
Net Income104.51M35.71M22.69M44.01M36.16M26.50M
Balance Sheet
Total Assets8.06B7.81B3.62B3.56B3.62B3.42B
Cash, Cash Equivalents and Short-Term Investments1.59B467.69M550.44M1.42B1.68B1.39B
Total Debt764.69M476.88M544.00M686.20M550.00M450.00M
Total Liabilities7.28B7.08B3.30B3.29B3.23B3.04B
Stockholders Equity780.02M730.16M314.75M273.45M389.63M384.88M
Cash Flow
Free Cash Flow128.51M81.23M28.26M37.98M53.72M20.49M
Operating Cash Flow136.11M86.15M42.51M61.06M54.80M23.19M
Investing Cash Flow-6.48M123.56M-43.17M-127.41M-384.13M-405.74M
Financing Cash Flow-16.05M-118.54M-5.14M39.44M177.99M527.50M

Burke & Herbert Bank & Company Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price61.27
Price Trends
50DMA
61.21
Positive
100DMA
59.83
Positive
200DMA
59.08
Positive
Market Momentum
MACD
0.22
Positive
RSI
44.84
Neutral
STOCH
33.07
Neutral
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 61.27 is below the 20-day moving average (MA) of 62.55, above the 50-day MA of 61.21, and above the 200-day MA of 59.08, indicating a neutral trend. The MACD of 0.22 indicates Positive momentum. The RSI at 44.84 is Neutral, neither overbought nor oversold. The STOCH value of 33.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BHRB.

Burke & Herbert Bank & Company Risk Analysis

Burke & Herbert Bank & Company disclosed 41 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
$941.01M9.0914.19%3.59%113.60%1224.38%
76
Outperform
$932.30M11.049.42%2.50%5.18%13.05%
76
Outperform
$833.72M8.2715.04%1.95%6.94%3.96%
73
Outperform
$868.76M11.028.71%2.85%5.94%12.97%
70
Outperform
$843.74M17.355.57%3.82%6.92%13.94%
68
Neutral
$873.23M10.3110.61%4.96%3.54%4.47%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BHRB
Burke & Herbert Bank & Company
61.27
4.72
8.35%
OSBC
Old Second Bancorp
17.30
2.45
16.50%
SBSI
Southside Bancshares
28.30
-2.80
-9.00%
UVSP
Univest Of Pennsylvania
30.16
3.77
14.29%
FMBH
First Mid-Illinois Bancshares
38.20
1.38
3.75%
ESQ
Esquire Financial Holdings
101.74
39.63
63.81%

Burke & Herbert Bank & Company Corporate Events

DividendsBusiness Operations and StrategyFinancial Disclosures
Burke & Herbert Reports Strong Q2 2025 Financial Results
Positive
Jul 24, 2025

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.

Shareholder Meetings
Burke & Herbert Bank Holds Annual Shareholder Meeting
Neutral
May 23, 2025

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.

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.Date of analysis: Aug 20, 2025