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BHRB vs JPM

BHRB
Burke & Herbert Financial Services Corp.
NEUTRAL
Price
$64.50
Market Cap
$970.0M
Sector
Financial Services
AI Confidence
80%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BHRB
8.35
JPM
15.68
Forward P/E
BHRB
7.3
JPM
13.42
P/B Ratio
BHRB
1.15
JPM
2.47
P/S Ratio
BHRB
2.87
JPM
5.03
EV/EBITDA
BHRB
--
JPM
--

Profitability

Gross Margin
BHRB
0.0%
JPM
0.0%
Operating Margin
BHRB
54.23%
JPM
41.06%
Profit Margin
BHRB
34.65%
JPM
33.91%
ROE
BHRB
14.8%
JPM
16.13%
ROA
BHRB
1.49%
JPM
1.35%

Growth

Revenue Growth
BHRB
8.7%
JPM
2.5%
Earnings Growth
BHRB
51.8%
JPM
-3.6%

Financial Health

Debt/Equity
BHRB
--
JPM
--
Current Ratio
BHRB
--
JPM
--
Quick Ratio
BHRB
--
JPM
--

Dividends

Dividend Yield
BHRB
--
JPM
1.91%
Payout Ratio
BHRB
--
JPM
28.97%

AI Verdict

BHRB NEUTRAL

BHRB presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($98.78) and Intrinsic Value ($227.74) with a low P/E of 8.35, the Piotroski F-Score of 3/9 indicates weak financial health. Strong earnings growth (51.8% YoY) and a consistent track record of beating estimates are offset by a bearish technical trend and a lack of dividend support. The valuation is highly attractive, but the low health score necessitates a cautious approach.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth of 51.8% YoY
Consistent earnings beat record (4/4 in last 4 quarters)
Risks
Weak fundamental health as indicated by a Piotroski F-Score of 3/9
Bearish technical trend (0/100)
Lack of dividend yield to provide a price floor
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

BHRB vs JPM: Head-to-Head Comparison

This page compares Burke & Herbert Financial Services Corp. (BHRB) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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