SteadySharesSteadyShares
Try now

Burke & Herbert Financial Services Corp. (BHRB)

Financial Services · NCM · US

USD71.540.00% today

Fundamentals

Market capUSD1.47B
P/E ratio9.2
Dividend yield3.11%
Revenue growth (YoY)+2.9%
Profit margin34.5%
Return on equity14.5%
52-week rangeUSD56.11 to USD73.69
Next earnings2026-07-23

Valuation and ratings

DCF fair valueUSD67.49
Upside to fair value-5.7%
Analyst target (mean)USD74.75
Analyst rangeUSD70.00 to USD80.00
Analysts covering4
Consensus viewbuy
Moat score40/100
Overall rating46/100, Hold

Burke & Herbert Financial Services Corp. trades at USD71.54, close to the USD67.49 our discounted cash flow model puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.

Our moat model scores it 40 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.

It changes hands at 9.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.

About Burke & Herbert Financial Services Corp.

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 the United States. The company offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal, 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, 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.

Industry: Banks - RegionalEmployees: 830HQ: United States

BHRB passes 6 of our 30 screens today

Each screen prints the exact criteria it used, and the circumstances in which it is wrong.

Deep value, with a pulse
A very low earnings multiple is usually a warning. This screen demands a low multiple AND evidence the business still works.
Dividend powerhouses
Yields above 3%, filtered for the one thing yield screens never check: whether the company can actually afford it.
Fortress balance sheets
Companies that owe almost nothing. They will survive things that kill their competitors, and they can buy the wreckage afterwards.
High margin machines
Companies that keep an unusually large share of every pound they sell. That is pricing power made visible.
Low volatility defensives
Companies that move less than the market and pay you to wait. The holdings that let you sleep, and let you hold everything else.
Dividend aristocrats
Companies with long, unbroken records of raising their dividend. The record is the point: it is evidence, not a promise.

Super investor ownership

5 of the funds we track reported a position in their latest SEC 13F filing. Largest first:

A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.

Common questions

Is Burke & Herbert Financial Services Corp. (BHRB) undervalued?

Against our discounted cash flow estimate of USD67.49, BHRB at USD71.54 is 6% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.

Which funds own BHRB?

5 of the institutions we track reported a position in BHRB in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.

What is BHRB's P/E ratio?

BHRB trades at 9.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.

The full research page for BHRB, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.

Open BHRB in the appFree guides and screens

Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.