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Company Analysis

Burke & Herbert Financial Servi BHRB

A comprehensive view of key metrics, scores, and financial health for Burke & Herbert Financial Servi

Overview of Burke & Herbert Financial Services Corp.

BHRB NCM
Financial Services Banks - Regional Small Cap
Burke & Herbert Financial Services Corp. (BHRB), is a Small Cap company, in the Banks - Regional industry, last closed at $64.76, about 15.1% overvalued vs fair value, +15.8% 1Y return, ranked 379/1037 in sector.
Metrics Rev Growth 91.4% ROE 14.8% Gross Margin 69.3%
$64.76
1.03%
As of April 28, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$964.00M
Enterprise Value
$1.45B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.burkeandherbertban...
HQ Alexandria, VA
Fiscal year Dec 31

Next Events

Earnings Apr 24 Estimated

Fair Value Snapshot

Bear Base Bull
$31
$55
$103
Current: $64.76 -15% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$366.2M
149.3%%
Interest Expense
$149.1M
Net Interest Income
$225.8M
140.8%%
Total Revenue
$491.1M
91.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.9%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$110.1M
314.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Burke & Herbert Financial Servi's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
63
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BHRB's balance between Growth (37.0%), Profitability (27.0%), and Safety (36.0%). Growth 37% Safety 36% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

62th percentile vs peers
62
Key Signals
NII Growth YoY 1.41 98p Equity Growth YoY 1.29 99p Asset Growth YoY 1.4% 28p EPS Growth YoY -23.4% 20p
Strengths
  • NII Growth YoY in top 20% of peers (1.41, 98th percentile)
  • Equity Growth YoY in top 20% of peers (1.29, 99th percentile)
  • ROE in top 20% of peers (14.8%, 90th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-23.4%)

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Burke & Herbert Financial Servi.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$55.00
- - -
-15.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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