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BHRB

NEUTRAL
$64.5 Live
Burke & Herbert Financial Services Corp. · NASDAQ
Target $73.25 (+13.6%)
$50.61 52W Range $70.9
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 24, 2026
Market cap
$970.01M
P/E
8.35
ROE
14.8%
Profit margin
34.7%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
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.

Key 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)
Low P/E ratio (8.35) compared to sector averages
Healthy ROE of 14.80% and ROA of 1.49%

Key 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
Low insider sentiment (40/100) with no recent buy activity
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$113.26
+75.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
52
Moderate
Value
90
Future
85
Past
60
Health
25
Dividend
0
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Weak Piotroski health score, Strong earnings momentum, Bearish technicals
Confidence
85%
Value
90/100

Ref P/E, PEG, Graham Number

Positives
  • Price $64.50 is well below Graham Number $98.78
  • P/E of 8.35 is very low
Watchpoints
  • Price/Sales of 2.87 is moderate
Future
85/100

Ref Growth rates

Positives
  • 51.8% YoY Earnings Growth
  • Consistent quarterly EPS surprises
Watchpoints
  • Revenue growth (8.7%) lags behind earnings growth
Past
60/100

Ref Historical trends

Positives
  • 1Y Change of +30.8%
Watchpoints
  • 3Y Change is negative (-8.1%)
Health
25/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Positive ROE and ROA
Watchpoints
  • Piotroski F-Score of 3/9 is in the 'Weak' category
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend yield or payout recorded

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$64.5
Analyst Target
$73.25
Upside/Downside
+13.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BHRB and closest competitors.

Updated 2026-04-23
BHR
Burke & Herbert Financial Services Corp.
Primary
5Y
+55.6%
3Y
-8.1%
1Y
+30.8%
6M
+7.6%
1M
+4.5%
1W
-0.9%
BCX
Blackrock Resources & Commodities Strategy Trust
Peer
5Y
+111.1%
3Y
+48.6%
1Y
+46.8%
6M
+32.6%
1M
+13.7%
1W
+5.3%
CII
BlackRock Enhanced Large Cap Core Fund, Inc.
Peer
5Y
+88.5%
3Y
+85.0%
1Y
+55.4%
6M
+14.8%
1M
+11.6%
1W
+2.0%
ABT
American Bitcoin Corp
Peer
5Y
-100.0%
3Y
-98.8%
1Y
+7.2%
6M
-86.8%
1M
-9.6%
1W
-4.6%
BBD
Barings BDC, Inc.
Peer
5Y
+71.2%
3Y
+50.1%
1Y
+5.0%
6M
+1.6%
1M
+3.4%
1W
-0.8%

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
8.35
Forward P/E
7.3
PEG Ratio
N/A
P/B Ratio
1.15
P/S Ratio
2.87
EV/Revenue
3.69
EV/EBITDA
N/A
Market Cap
$970.01M

Profitability

Profit margins and return metrics

Profit Margin 34.65%
Operating Margin 54.23%
Gross Margin N/A
ROE 14.8%
ROA 1.49%

Growth

Revenue and earnings growth rates

Revenue Growth +8.7%
Earnings Growth +51.8%
Q/Q Revenue Growth +6.27%
Q/Q Earnings Growth +52.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$19.4

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
35.4%
Total Assets
$7.9B
Liabilities
$7.1B
Equity
$0.9B
Debt/Equity
8.27x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-22
$1.98
+5.9% surprise
2025-10-23
$1.97
+8.2% surprise
2025-07-24
$1.97
+8.2% surprise
2025-04-25
$1.8
+1.7% surprise

Financial Services Sector Comparison

Comparing BHRB against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
8.35
This Stock
vs
36.01
Sector Avg
-76.8% (Discount)
Return on Equity (ROE)
14.8%
This Stock
vs
-0.73%
Sector Avg
-2120.3% (Below Avg)
Profit Margin
34.65%
This Stock
vs
91.62%
Sector Avg
-62.2% (Weaker)
Revenue Growth
8.7%
This Stock
vs
35.27%
Sector Avg
-75.3% (Slower)

Similar Companies

Peer comparison within the same industry

BHRB Burke & Herbert...
NEUTRAL
Mkt Cap
$970M
P/E
8.4
ROE
14.8%
Price
$64.5
BCX Blackrock...
BEARISH
Mkt Cap
$973M
P/E
23.0
ROE
-%
Price
$12.44
 Compare with BHRB
CII BlackRock...
BULLISH
Mkt Cap
$974M
P/E
4.7
ROE
22.8%
Price
$23.77
 Compare with BHRB
ABTC American Bitcoin Corp
BEARISH
Mkt Cap
$965M
P/E
-
ROE
-19.3%
Price
$1.04
 Compare with BHRB
BBDC Barings BDC, Inc.
BEARISH
Mkt Cap
$962M
P/E
9.6
ROE
8.6%
Price
$9.15
 Compare with BHRB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

KIMLEL LAUREN N
Officer
Stock Award
2026-02-27
130 shares · $7,023
SCHMIDT JENNIFER PALMER
Officer
Stock Award
2026-02-27
231 shares · $12,480
ROWAN SHANNON BARROW
Officer
Stock Award
2026-02-27
63 shares · $3,404
HINTELMANN ROBERT V. JR.
Officer
Stock Award
2026-02-27
74 shares · $3,998
HUFFMAN PATRICK KIP
Officer
Stock Award
2026-02-27
109 shares · $5,889
MADDY HUBERT CHARLES III
President
Option Exercise
2026-02-10
15,616 shares · $676,641
BOYLE DAVID P
Chief Executive Officer
Stock Award
2026-01-22
13,067 shares
BOYLE DAVID P
Chief Executive Officer
Stock Award
2026-01-22
9,740 shares
MADDY HUBERT CHARLES III
President
Stock Award
2026-01-22
5,720 shares
TISSUE ROBERT S
Officer
Stock Award
2026-01-22
3,080 shares
TISSUE ROBERT S
Officer
Stock Award
2026-01-22
1,550 shares
RITCHIE BRADFORD E
Officer
Stock Award
2026-01-22
2,706 shares
RITCHIE BRADFORD E
Officer
Stock Award
2026-01-22
1,790 shares
FREEMAN DANYL R
Officer
Stock Award
2026-01-22
704 shares
FREEMAN DANYL R
Officer
Stock Award
2026-01-22
900 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-23

B. Riley Financial, Inc. likely filed this 8-K to report its first quarter financial results for 2026.

8-K
8-K
2026-04-13

B. Riley Financial, Inc. likely reported its first quarter financial results for 2026.

8-K
8-K
2026-03-25
8-K
8-K
2026-03-13
10-K
10-K
2026-02-27

BHRB filed its annual 10-K on February 27, 2026, which includes detailed disclosures on its business operations and financial condition. The filing specifically outlines the company's risk factors and provides management's discussion and analysis of its results of operations.

8-K
8-K
2026-01-28

BHRB filed an 8-K on January 28, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-22
8-K
8-K
2025-12-23
8-K
8-K
2025-12-18
10-Q
10-Q
2025-11-07

BHRB filed its quarterly 10-Q report on November 7, 2025. While specific financial metrics were not provided in the excerpt, the filing includes a dedicated section for risk factors under Item 1A.

8-K
8-K
2025-10-29
8-K
8-K
2025-10-23
10-Q
10-Q
2025-08-08
8-K
8-K
2025-07-24
8-K
8-K
2025-05-23
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
4 analysts
DA Davidson
2026-02-25
init
Neutral
Freedom Broker
2026-02-25
down
Buy Hold
Freedom Broker
2025-11-07
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning BHRB from our newsroom.

Newest → oldest
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