Burke & Herbert Financial Services Corp. (BHRB) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Analysis Summary
Burke & Herbert Financial Services Corp. reported revenue of $491.1M in the most recent fiscal year, growing at a 5-year CAGR of 32.3%. Net income reached $117.3M, with a 34.7% 5-year CAGR.
Trailing-twelve-month margins: gross margin 68.1%, operating margin 27.1%, net margin 21.9%. Free cash flow grew at 36.3% CAGR over 5 years.
At the current price of $70.58, BHRB trades at a P/E of 10.88 and an ROE of 10.37%. Market capitalisation stands at $1.4B.
Balance sheet quality for BHRB: current ratio of 3.8, net cash position of $1.13B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is decent: free cash flow of $96.2M represents 82% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $70.58 |
| Market Cap | $1.4B |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.88 |
| Price / Book | 0.86 |
| EV / EBITDA | 15.15 |
| Dividend Yield | 3.22% |
Profitability
| Return on Equity | 10.37% |
| Return on Invested Capital | 3.91% |
| Return on Assets | 0.88% |
| Gross Margin | 68.13% |
| Operating Margin | 27.12% |
| Net Margin | 21.89% |
Financial Health
| Debt / Equity | 0.56 |
| Current Ratio | 4.06 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 10.88 | 0.86 | 10.4% |
| TCBI | Texas Capital Bancshares, Inc. | $4.1B | 12.27 | 1.17 | 10.0% |
| MBIN | Merchants Bancorp | $2.4B | 10.61 | 1.01 | 11.6% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B |
Related companies: AMAL · DCOM · FMBH · FSUN · MBIN · OSBC · SBSI
Explore sector: Financial Services · Banks - Regional
More sections of BHRB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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