BHRB$65.43
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Powered by LiveAIOverall Analysis
BuyBurke & Herbert Financial Services Corp. shows a mixed investment profile. Fundamentally, it offers consistent profitability and dividends, but valuation appears stretched. Technically, recent price action suggests caution. Thematic alignment is neutral. Suitable for income-focused investors seeking stability, but growth prospects might be limited.
Thematic
As a community bank, Burke & Herbert's thematic relevance is tied to traditional financial services and regional economic growth. It does not directly align with major tech-driven themes like AI or cloud computing, limiting its potential for outsized thematic growth.
Fundamental
The company exhibits consistent profitability and a stable balance sheet. Dividend yield is attractive for income investors. However, revenue growth appears modest, and valuation metrics like P/E are on the higher side for a regional bank.
Technical
The stock has experienced a significant price decline over the past 5 days, indicating short-term weakness. While longer-term performance metrics are mixed, the current trend and momentum indicators suggest caution. The stock is trading below key short-term moving averages.
| Factor | Score |
|---|---|
| Digital Banking Adoption | 65 |
| Economic Sensitivity | 70 |
| Regulatory Environment (Financial Sector) | 40 |
| Interest Rate Sensitivity | 55 |
| Community Banking Model | 50 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Profitability | 90 |
| Growth | 85 |
| Balance Sheet Health | 75 |
| Cash Flow | 80 |
| Dividend | 88 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Volume Confirmation | 65 |
| Support & Resistance | 70 |
| Moving Averages | 55 |
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Powered by LiveAIBullish Points (6)
Consistent Earnings Surprises
Burke & Herbert Financial Services Corp. (BHRB) has exceeded earnings per share (EPS) estimates in its last three reported quarters, indicating a trend of better-than-expected profitability. The most recent quarter (2025 Q2) reported an EPS of $1.80 against an estimate of $1.77, a positive surprise of 1.7%. This suggests operational efficiency and effective management.
Reasonable P/E Ratio
With a P/E ratio of 16.14 (TTM), BHRB appears reasonably valued compared to historical market averages. This suggests that investors are not paying an excessive premium for its earnings, potentially offering room for growth.
Bearish Points (7)
High Quarterly P/E and P/S Ratios
Quarterly P/E and P/S ratios (e.g., 2025 Q1 P/E of 30.7, P/S of 10.2) appear elevated compared to the trailing twelve months (TTM) P/E of 12.8. This could suggest that recent performance or future expectations are being priced in, potentially leading to overvaluation if growth falters.
Inconsistent Revenue Growth
Revenue figures show significant fluctuations. While 2024 annual revenue was $256.553 million, the quarterly revenue for 2024 Q2 was $68.162 million with a net loss, a stark contrast to the profitable quarters. This volatility indicates potential business instability or cyclicality.
Calendar
May 2025
15
Ex-Dividend Date
June 2025
2
Next Dividend Date
October 2025
25
Next Earnings Date
H: $1.93
A: $1.88
L: $1.83
H: 88.62M
A: 87.88M
L: 87.13M
Profile
Burke & Herbert Financial Services Corp. operates as the bank holding company for Burke & Herbert Bank & Trust Company that provides various community banking products and services in Virginia and Maryland. The company offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal (NOW), money market, and savings accounts; and certificates of deposit. It also provides loans comprising commercial real estate, single family residential, owner-occupied commercial real estate, commercial and industrial, residential mortgage, and consumer non-real estate and other loans, as well as acquisition, construction, and development loans. In addition, it offers cash management services; online and mobile banking; and wealth and trust services. Further, the company provides business solutions, including small business and commercial checking and savings options; investment services; and treasury management solutions consist of a suite of digital banking, payables, receivables, and risk management, as well as automated cash flow comprising enhanced reporting, automated clearing house (ACH), wires, remote deposit capture, bill pay, lockbox, credit and debit cards, merchant services, fraud protection, and deposit and loan sweeps. Burke & Herbert Financial Services Corp. was founded in 1852 and is headquartered in Alexandria, Virginia.
Seasonals
Price Target
69.67 USD
The 39 analysts offering 1 year price forecasts for BHRB have a max estimate of 70.00 and a min estimate of 69.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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