BHRB Burke & Herbert Financial Services Corp. - Fundamental Analysis
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BHRB Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$64.0
Analyst Target
$73.67
+15.1%
Upside
52W High
$70.51
52W Low
$47.57
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$961.83M
P/E
9.25
ROE
13.7%
Profit margin
32.2%
Debt/Equity
N/A
Dividend yield
3.29%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
BHRB exhibits a mixed financial profile with a Piotroski F-Score of 4/9 indicating stable but not robust financial health, and no available Altman Z-Score limits distress risk assessment. The stock appears undervalued relative to its Graham Number of $91.71 and intrinsic value of $133.56, trading at $64.00, while boasting strong profitability metrics including a 32.22% profit margin and 48.06% operating margin. However, limited growth (2.00% YoY revenue growth), weak technical trend (0/100), and incomplete financial data constrain bullish conviction. Analysts suggest upside with a $73.67 target, but lack of consensus and insider activity warrant caution.
Key Strengths
High profitability with 32.22% profit margin and 48.06% operating margin, well above sector average of 14.79%
Attractive valuation: trading at $64.00 vs. Graham Number of $91.71 and intrinsic value of $133.56
Low P/E of 9.25 and forward P/E of 7.36, significantly below sector average of 21.25
Healthy dividend profile with 3.29% yield and low 30.43% payout ratio, indicating sustainability
Consistent earnings beat record: 3 out of last 4 quarters beat estimates, with average surprise of 7.45%
Key Risks
Piotroski F-Score of 4/9 suggests only stable financial health, not strong, limiting confidence in operational resilience
No Altman Z-Score available prevents proper assessment of bankruptcy risk, a critical gap for financial firms
Missing key financial data (Debt/Equity, cash, debt, EV, ROIC) raises transparency concerns
Very low technical trend score of 0/100 indicates bearish price momentum near-term
Revenue growth of 2.00% YoY is minimal, especially compared to peer average of 26.56%, signaling limited expansion
AI Fair Value Estimate
Based on comprehensive analysis
$91.71
+43.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
67
Strong
85
52
70
50
78
AI Verdict
Neutral with value appeal but structural data gaps and modest growth
Key drivers: Undervaluation relative to Graham Number, Strong profitability margins, Low P/E and forward P/E, Incomplete financial health data, Bearish technical trend
Confidence
75%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($64.00) significantly below Graham Number ($91.71)
- P/E of 9.25 and forward P/E of 7.36 well below sector average (21.25)
- Price/Book of 1.18 suggests modest premium to book value
Watchpoints
- PEG Ratio not available, limiting growth-adjusted valuation
Future
52/100
Ref Growth rates
Positives
- Earnings growth of 8.20% YoY and 8.50% Q/Q indicates some momentum
- Analyst target price implies ~15% upside to $73.67
Watchpoints
- Revenue growth of 2.00% YoY is very low
- No PEG ratio due to missing growth expectations
Past
70/100
Ref Historical trends
Positives
- 5-year price return of +73.7% shows long-term appreciation
- Consistent earnings beats: 3 of last 4 quarters beat estimates
- Historical EPS growth of 11.9% YoY is solid
Watchpoints
- 3-year return of -2.0% and 1-year return of +7.5% lag broader market
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stable financial condition
- ROE of 13.70% is healthy and above sector average (despite negative avg ROE)
Watchpoints
- No Altman Z-Score available, a major red flag for financial firms
- Missing Debt/Equity, cash, and debt figures limits solvency analysis
Dividend
78/100
Ref Yield, Payout
Positives
- Dividend yield of 3.29% is attractive in current rate environment
- Low payout ratio of 30.43% supports dividend sustainability
Watchpoints
- No 5-year average yield data to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$64.0
Analyst Target
$73.67
Upside/Downside
+15.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BHRB and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BHRB
Burke & Herbert Financial Services Corp.
Primary
|
+73.7% | -2.0% | +7.5% | +3.7% | +0.6% | -1.0% |
|
BBDC
Barings BDC, Inc.
Peer
|
+71.2% | +50.1% | +5.0% | +1.6% | +3.4% | -0.8% |
|
ABTC
American Bitcoin Corp
Peer
|
-100.0% | -98.8% | +7.2% | -86.8% | -9.6% | -4.6% |
|
BCX
Blackrock Resources & Commodities Strategy Trust
Peer
|
+111.1% | +48.6% | +46.8% | +32.6% | +13.7% | +5.3% |
|
BTZ
BlackRock Credit Allocation Income Trust
Peer
|
+10.0% | +27.0% | +9.4% | +0.8% | -1.4% | -0.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.25
Forward P/E
7.36
PEG Ratio
N/A
P/B Ratio
1.18
P/S Ratio
2.9
EV/Revenue
4.34
EV/EBITDA
N/A
Market Cap
$961.83M
Profitability
Profit margins and return metrics
Profit Margin
32.22%
Operating Margin
48.06%
Gross Margin
N/A
ROE
13.7%
ROA
1.36%
Growth
Revenue and earnings growth rates
Revenue Growth
+2.0%
Earnings Growth
+8.2%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+8.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$8.93
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-24
$N/A
2026-01-22
$1.98
+5.9% surprise
2025-10-23
$1.97
+8.2% surprise
2025-07-24
$1.97
+8.2% surprise
Financial Services Sector Comparison
Comparing BHRB against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
9.25
This Stock
vs
30.41
Sector Avg
-69.6%
(Discount)
Return on Equity (ROE)
13.7%
This Stock
vs
-7.57%
Sector Avg
-280.9%
(Below Avg)
Profit Margin
32.22%
This Stock
vs
82.83%
Sector Avg
-61.1%
(Weaker)
Revenue Growth
2.0%
This Stock
vs
28.13%
Sector Avg
-92.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BHRB
Burke & Herbert Financial...
|
NEUTRAL | $961.83M | 9.25 | 13.7% | 32.2% | $64.0 | |
|
BBDC
Barings BDC, Inc.
|
BEARISH | $962.2M | 9.63 | 8.6% | 36.0% | $9.15 | |
|
ABTC
American Bitcoin Corp
|
BEARISH | $964.71M | - | -19.3% | -82.7% | $1.04 | |
|
BCX
Blackrock Resources &...
|
BEARISH | $972.72M | 23.04 | -% | -% | $12.44 | |
|
BTZ
BlackRock Credit...
|
NEUTRAL | $986.44M | 9.61 | 9.8% | 99.8% | $10.57 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-16 | BOYLE DAVID P | Chief Executive Officer | Stock Award | 3,361 | - |
| 2026-01-16 | HALYAMA ROY EUGENE | Chief Financial Officer | Stock Award | 829 | - |
| 2026-01-16 | ROWAN SHANNON BARROW | Officer | Stock Award | 295 | - |
| 2025-10-28 | MCLAUGHLIN SHAWN PATRICK | Director | Purchase | 1,000 | $61,000 |
| 2025-09-15 | HINKLE GARY L | Director | Purchase | 1,700 | $104,870 |
| 2025-08-29 | KIMLEL LAUREN N | Officer | Stock Award | 132 | $6,997 |
| 2025-08-29 | SCHMIDT JENNIFER PALMER | Officer | Stock Award | 160 | $8,481 |
| 2025-08-29 | ROWAN SHANNON BARROW | Officer | Stock Award | 63 | $3,339 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
3 analysts
DA Davidson
2025-07-28
Buy
Buy
Keefe, Bruyette & Woods
2025-07-28
Outperform
Outperform
Past News Coverage
Recent headlines mentioning BHRB from our newsroom.
Newest → oldest
No matching news yet.