Burke & Herbert Financial Services Corp.
BHRB · Price history
Price at last available close
$70.47
+$1.41 (+2.04%) 1M
2026-10-27
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Company & revenue
About Burke & Herbert Financial Services Corp.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Burke & Herbert Financial Services Corp. operates as a bank holding company, offering a comprehensive range of banking products and financial solutions. Its client base includes small to medium-sized businesses, along with their owners and employees, professional corporations, non-profit organizations, and individual customers. The company organizes its lending operations into several distinct portfolio segments: Commercial Real Estate: This segment's loans are evaluated based on the income generated from leasing the underlying property or its potential proceeds upon sale.
How they make money
Burke & Herbert Financial Services Corp. operates as a bank holding company that generates revenue primarily through net interest income, derived from the spread between interest earned on loans and investment securities and interest paid on deposits and borrowings. Additionally, the company earns non-interest income through service charges on deposit accounts, trust and wealth management fees, and other financial services provided to its customers.
Products & services
The company provides a range of banking and financial services including personal and business checking and savings accounts, residential and commercial real estate loans, commercial and industrial loans, consumer loans, and wealth management and trust services.
Brands & revenue mix
The primary banking subsidiary through which the company conducts its operations.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and core banking service providers — The company relies on third-party vendors for core banking software, data processing, and information technology infrastructure services.Source
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-09-30.
Diluted weighted-average shares increased 34.3% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Total debt increased 44.8% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
58
Fair
Financial Strength
44
Business Quality / Moat
87
Management
65
Growth Quality
27
Risk / Durability
56
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
68
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
64/100
Building Historical Record
Model Score 64/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for BHRB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BHRB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is BHRB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is BHRB's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is BHRB's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of BHRB's score?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
68
Market Cap
$1.42B
P/E Ratio
11.6
EPS
$6.09
52-Week High
$75.09
52-Week Low
$58.01
Beta
0.22
Intrinsic Value
$234.47
Analyst Target
$75.00
Shares Outstanding
15.0M
Total Revenue
$491.2M
Total Debt
$776.4M
Dividend Yield (TTM)
3.12%
Liquidation Value / Share
$76.77
Dividend / Share (TTM)
$2.20
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BHRB
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on BHRB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Long-standing community presence and brand recognition.
- +Strong capital position.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Interest rate risk and fluctuations in market rates.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
60
Oct 1, 2026
Change
-5.0
points
Current Score
55
Oct 23, 2026
Category Changes
BHRB decreased 5 points because some fundamentals weakened.
Projected Score
Projected Score
50
Projected Change
-4.8 points
Preliminary comparable-period financial changes suggest decline of approximately 4.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $6.09 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$70.47
Model Intrinsic Value
$234.47
Difference
−$164.00
-69.9% vs IV
Margin of Safety
69.9%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $491.2M | $491.1M | $396.9M | $162.3M | ···· | ···· | ···· | ···· |
| Cost of Revenue | $154.0M | $150.6M | $164.6M | $53.4M | ···· | ···· | ···· | ···· |
| Gross Profit | $337.1M | $340.5M | $232.3M | $108.9M | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· |
| SG&A Expenses | $151.7M | $132.2M | $101.5M | $53.2M | ···· | ···· | ···· | ···· |
| Operating Expenses | $209.4M | $195.6M | $192.4M | $83.9M | ···· | ···· | ···· | ···· |
| EBITDA | $196.8M | $167.7M | $57.3M | $27.9M | ···· | ···· | ···· | ···· |
| Operating Income | $127.8M | $144.9M | $39.9M | $25.1M | ···· | ···· | ···· | ···· |
| Interest Expense | $86.0M | $149.1M | $140.4M | $53.1M | ···· | ···· | ···· | ···· |
| Income Before Tax | $127.8M | $144.9M | $39.9M | $25.1M | ···· | ···· | ···· | ···· |
| Income Tax Expense | $24.3M | $27.6M | $4.2M | $2.4M | ···· | ···· | ···· | ···· |
| Net Income | $103.5M | $117.3M | $35.7M | $22.7M | ···· | ···· | ···· | ···· |
| Basic EPS | $6.09 | $7.75 | $2.34 | $3.05 | ···· | ···· | ···· | ···· |
| Basic Shares | 0 | 15.03M | 14.97M | 7.43M | ···· | ···· | ···· | ···· |
| Diluted Shares | 20.29M | 15.03M | 14.97M | 7.43M | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$169.4M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.78
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+44.8%
Cash Change
+9.6%
Margin Change
-3.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, cash levels. Pressure indicators included EPS growth, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 39.4%. EPS declined 9.6%. Cash increased 9.6%. Total debt increased 44.8%. Net income margin declined by 3.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · BHRB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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