(BHRB) Burke & Herbert Financial - Overview
Stock: Deposits, Loans, Wealth, Treasury, Digital
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.61% |
| Yield on Cost 5y | 7.32% |
| Yield CAGR 5y | -59.28% |
| Payout Consistency | 79.3% |
| Payout Ratio | 23.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.3% |
| Relative Tail Risk | -11.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.35 |
| Alpha | -1.91 |
| Character TTM | |
|---|---|
| Beta | 0.832 |
| Beta Downside | 1.002 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.88% |
| CAGR/Max DD | 0.06 |
Description: BHRB Burke & Herbert Financial January 25, 2026
Burke & Herbert Financial Services Corp. (NASDAQ:BHRB) is a bank holding company that operates Burke & Herbert Bank & Trust, delivering a full suite of community-banking products across Virginia and Maryland. Its core offerings include consumer and commercial deposits (digital, demand, NOW, money-market, savings, CDs) and a diversified loan portfolio covering commercial real-estate, residential mortgages, C&I, construction, and consumer credit, complemented by cash-management, online/mobile banking, and wealth-trust services.
Recent performance metrics (Q4 2025 / FY 2025): total assets ≈ $6.2 bn, loan-to-deposit ratio = 78%, net interest margin = 3.45% (up 10 bps YoY), loan growth = 5.2% YoY, deposit growth = 3.8% YoY, and CET1 capital ratio = 12.1%, comfortably above the 8% regulatory minimum.
Key economic and sector drivers affecting BHRB include the Federal Reserve’s policy-rate plateau at 5.25%-5.50%, which sustains higher net interest income for regional banks, while modest regional housing price appreciation (~2% YoY in the Mid-Atlantic) supports residential loan demand. At the same time, tightening credit standards and lingering commercial-real-estate stress in neighboring markets pose downside risk to loan-loss provisions.
For a deeper, data-rich valuation perspective, consider reviewing BHRB’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 117.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.16 > 1.0 |
| NWC/Revenue: 257.4% < 20% (prev -1607 %; Δ 1864 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 77.0m > Net Income 117.3m |
| Net Debt (396.5m) to EBITDA (162.1m): 2.45 < 3 |
| Current Ratio: 3.79 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.0m) vs 12m ago -0.07% < -2% |
| Gross Margin: 69.10% > 18% (prev 0.59%; Δ 6852 % > 0.5%) |
| Asset Turnover: 6.20% > 50% (prev 5.08%; Δ 1.12% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 162.1m / Interest Expense TTM 149.1m) |
Altman Z'' 1.41
| A: 0.16 (Total Current Assets 1.70b - Total Current Liabilities 450.0m) / Total Assets 7.92b |
| B: 0.07 (Retained Earnings 517.1m / Total Assets 7.92b) |
| C: 0.01 (EBIT TTM 107.0m / Avg Total Assets 7.87b) |
| D: 0.07 (Book Value of Equity 465.9m / Total Liabilities 7.07b) |
| Altman-Z'' Score: 1.41 = BB |
Beneish M -3.23
| DSRI: 0.84 (Receivables 35.4m/34.5m, Revenue 487.5m/396.9m) |
| GMI: 0.85 (GM 69.10% / 58.53%) |
| AQI: 0.84 (AQ_t 0.77 / AQ_t-1 0.92) |
| SGI: 1.23 (Revenue 487.5m / 396.9m) |
| TATA: 0.01 (NI 117.3m - CFO 77.0m) / TA 7.92b) |
| Beneish M-Score: -3.23 (Cap -4..+1) = AA |
What is the price of BHRB shares?
Over the past week, the price has changed by +6.44%, over one month by +11.81%, over three months by +16.39% and over the past year by +10.63%.
Is BHRB a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BHRB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 73.7 | 5.7% |
| Analysts Target Price | 73.7 | 5.7% |
| ValueRay Target Price | 72.5 | 4.1% |
BHRB Fundamental Data Overview February 01, 2026
P/S = 2.89
P/B = 1.1661
Revenue TTM = 487.5m USD
EBIT TTM = 107.0m USD
EBITDA TTM = 162.1m USD
Long Term Debt = 86.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 450.0m USD (from shortTermDebt, last quarter)
Debt = 450.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 396.5m USD (from netDebt column, last quarter)
Enterprise Value = -235.4m USD (984.1m + Debt 450.0m - CCE 1.67b)
Interest Coverage Ratio = 0.72 (Ebit TTM 107.0m / Interest Expense TTM 149.1m)
EV/FCF = -3.47x (Enterprise Value -235.4m / FCF TTM 67.9m)
FCF Yield = -28.85% (FCF TTM 67.9m / Enterprise Value -235.4m)
FCF Margin = 13.93% (FCF TTM 67.9m / Revenue TTM 487.5m)
Net Margin = 24.07% (Net Income TTM 117.3m / Revenue TTM 487.5m)
Gross Margin = 69.10% ((Revenue TTM 487.5m - Cost of Revenue TTM 150.6m) / Revenue TTM)
Gross Margin QoQ = 70.39% (prev 68.99%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -235.4m / Total Assets 7.92b)
Interest Expense / Debt = 8.05% (Interest Expense 36.2m / Debt 450.0m)
Taxrate = 20.22% (7.67m / 37.9m)
NOPAT = 85.4m (EBIT 107.0m * (1 - 20.22%))
Current Ratio = 3.79 (Total Current Assets 1.70b / Total Current Liabilities 450.0m)
Debt / Equity = 0.53 (Debt 450.0m / totalStockholderEquity, last quarter 854.6m)
Debt / EBITDA = 2.45 (Net Debt 396.5m / EBITDA 162.1m)
Debt / FCF = 5.84 (Net Debt 396.5m / FCF TTM 67.9m)
Total Stockholder Equity = 803.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 117.3m / Total Assets 7.92b)
RoE = 14.60% (Net Income TTM 117.3m / Total Stockholder Equity 803.7m)
RoCE = 12.03% (EBIT 107.0m / Capital Employed (Equity 803.7m + L.T.Debt 86.1m))
RoIC = 6.34% (NOPAT 85.4m / Invested Capital 1.35b)
WACC = 8.18% (E(984.1m)/V(1.43b) * Re(8.98%) + D(450.0m)/V(1.43b) * Rd(8.05%) * (1-Tc(0.20)))
Discount Rate = 8.98% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 40.82%
[DCF Debug] Terminal Value 69.42% ; FCFF base≈62.6m ; Y1≈41.1m ; Y5≈18.7m
Fair Price DCF = N/A (negative equity: EV 355.5m - Net Debt 396.5m = -41.0m; debt exceeds intrinsic value)
EPS Correlation: -13.87 | EPS CAGR: 13.78% | SUE: 0.00 | # QB: 0
Revenue Correlation: 93.03 | Revenue CAGR: 47.80% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.91 | Chg30d=+0.055 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=7.04 | Chg30d=-0.610 | Revisions Net=+0 | Growth EPS=-8.9% | Growth Revenue=+32.0%
EPS next Year (2027-12-31): EPS=8.69 | Chg30d=+0.417 | Revisions Net=+1 | Growth EPS=+7.0% | Growth Revenue=-8.7%