Pricing Log in Create free account
Friday 6 November 2026 Export BHRB’s income statement to Excel — free account

Burke & Herbert Financial Services Corp.

BHRB Financial Banks Regional

Burke & Herbert Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $491.1 million, up 22.1% from fiscal 2024.

Revenue
+38.0%
EPS
−9.60%
Free cash flow
+19.4%
Total debt
+32.7%

Quarter to September 2026, against a year earlier

69.81 0.05 −0.07%
Market cap
$1.4B
P/E
11.5×
Fwd P/E
11.4×
Dividend yield
3.15%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 1.05
Sold, $m 0.79
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 2 2 1 1 4 — 2 —
Sell — — — — — 1 — — 6 — — —
Insider Ownership 15.18%

Capital & Financial Ratios $m

Size
Market Cap 1,410.00
Revenue ttm 561.36
Net income ttm 103.46
Free cash flow ttm 100.04
Net debt Q (144.40)
Valuation
P/E 11.46
Forward P/E 11.40
Price / sales 2.51
Forward P/S Powerpack
Price / FCF 15.72
Price / book 1.23
Financial health
Current ratio Q 0.84
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +37.99% (above 0%: growing)
Operating income growth Q +20.42% (above 0%: growing)
EPS, this year −3.01% (below 0%: weak)
EPS, next year A +16.43% (at or above 15%: strong)
Revenue, next year A −10.51% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +5.66%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 42.34%
10-year low 10-year high
P/S against its own 10 years 58.90%
10-year low 10-year high
P/B against its own 10 years 56.52%
10-year low 10-year high

Dividends

Yield
3.15%
Annual rate
2.20
Payout ratio
36.4%
Growth, 2018–26
+1.20%/yr
  1. 2.00 ’18
  2. 2.00 ’19 +0
  3. 2.00 ’20 +0
  4. 2.00 ’21 +0
  5. 1.60 ’22 −20
  6. 2.12 ’23 +32
  7. 2.14 ’24 +1
  8. 2.20 ’25 +3
  9. 2.20 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 44 135 289 144
Receivables — — — —
Inventory — — — —
Other — — — —
2,124 5,776 5,645 —
2023 2024 2025 Q'26
Payables 3,002 6,515 6,404 8,956
ST’ Debt — — — —
Other — — — —
3,303 6,970 6,978 —

Compound Annual Growth %

10y 5y 3y
Sales — — 55.86%
Cash Flow — — 20.91%
Earnings — — 38.29%
Book Value — — 46.21%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.06 Actual 2.14

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.91 1.98 Beat by 0.07
Q1 FY26 1.87 1.87 Met by 0.00
Q2 FY26 2.10 2.03 Miss by 0.07
Q3 FY26 2.06 2.14 Beat by 0.08
Q4 FY26 2.06 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.79 0.50 1.78 — —
’25 1.80 1.97 1.97 1.98 7.72
’24 0.69 (1.41) 1.82 1.30 2.82
’23 1.00 0.80 0.54 0.68 3.02
’22 1.22 1.39 1.49 1.78 5.89
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 118 151 169 — —
’25 121 125 123 123 491
’24 43 106 129 125 402
’23 39 42 42 43 165
’22 28 31 34 37 130
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 27 0 42 — —
’25 38 0 39 31 108
’24 7 (46) 48 77 86
’23 11 12 9 10 43
’22 14 17 18 12 61
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 25 (2) 42 — —
’25 36 (3) 35 28 96
’24 6 (47) 46 77 82
’23 8 10 7 6 32
’22 14 16 (4) 20 46
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — — — 118 130 165 402 491 561 +42.8% 440 491 440 (3.6%)
Gross margin, % — — — — — 96.43 93.11 67.77 65.11 69.64 70.88 (26.8) pt
EBT — — — — — 40 52 25 40 145 128 +37.6%
EBT margin, % — — — — — 34.25 40.32 15.20 9.92 29.51 22.76 (4.7) pt
Net income — — — — — 36 44 23 36 117 103 +34.2%
Per share, $
Per share, $ Revenue — — — — — 15.90 17.47 22.19 32.46 32.73 27.81 +19.8%
Earnings — — — — — 4.87 5.93 3.05 2.82 7.76 6.09 +12.3%
Cash flow — — — — — 7.40 8.22 5.72 6.92 7.19 4.96 (0.7%)
Capex — — — — — 0.20 (2.00) (1.46) (0.31) (0.77) 0.00 n/m
Free cash flow — — — — — 7.60 6.23 4.26 6.62 6.42 4.96 (4.1%)
Book value — — — — — 0.00 36.83 42.37 58.91 56.95 57.16 n/m
Shares, m — — — — — 7 7 7 12 15 17 +19.2%
Valuation, ×
Valuation, × P/E — — — — — 11.98 11.98 20.54 25.66 8.03 11.46 15.6
P/S — — — — — 0.00 4.06 2.83 1.92 1.90 2.51 2.1
P/B — — — — — 0.00 1.93 1.48 1.07 1.11 1.23 1.1
EV/Sales — — — — — 0.00 6.32 4.21 1.86 1.49 — 2.8
EV/FCF — — — — — 0.00 17.73 21.92 9.14 7.61 — 11.3
Cash, $m
Cash, $m Operating cash flow — — — — — 55 61 43 86 108 100 +18.4%
Capex — — — — — 1 (15) (11) (4) (12) (10) n/m
Free cash flow — — — — — 56 46 32 82 96 100 +14.3%
Balance, $m
Balance, $m Working capital — — — — — — (1,014) (1,178) (1,194) (1,334) (1,512) +9.6%
Net debt — — — — — — 293 228 (23) (202) (144) n/m
Shareholders’ equity — — — — — — 273 315 730 855 1,154 +46.2%
Returns, %
Returns, % ROA — — — — — 0.00 2.47 0.63 0.61 1.48 1.08 +1.5 pt
ROIC — — — — — 0.00 5.77 2.89 3.53 13.87 7.91 +13.9 pt
ROE — — — — — 0.00 0.00 7.72 6.77 14.89 10.49 +14.9 pt
People
People Employees — — — — — — — 400 815 832 — +44.2%
Revenue/emp, $m — — — — — 0.00 0.00 0.41 0.49 0.59 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Burke & Herbert Financial Services Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
LKFN Lakeland Financial Corporation $1.5B 13.6× 13.5× +1.66% (above 0%: growing) +11.94% (above 0%: growing) +29.20% (above 0%: growing) 66.58% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 31.0× 31.8× +17.43% (above 0%: growing) +1,225.00% (above 0%: growing) +92.55% (above 0%: growing) 82.08% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.5B 12.0× 11.7× +12.48% (above 0%: growing) +37.01% (above 0%: growing) −13.76% (below 0%: shrinking) 76.18% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 12.6× +0.61% (above 0%: growing) +21.08% (above 0%: growing) +4.04% (above 0%: growing) 73.43% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.5× 11.4× +37.99% (above 0%: growing) −9.60% (below 0%: shrinking) +19.35% (above 0%: growing) 70.66% 0.00%
PEBO Peoples Bancorp Inc. $1.4B 11.2× 11.8× −1.59% (below 0%: shrinking) +11.61% (above 0%: growing) +270.28% (above 0%: growing) 77.52% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 12.9× 12.8× +0.43% (above 0%: growing) +8.93% (above 0%: growing) −33.14% (below 0%: shrinking) 94.65% 0.00% Compare
FMBH First Mid Bancshares, Inc. $1.4B 11.6× 11.2× +20.90% (above 0%: growing) +34.04% (above 0%: growing) +31.15% (above 0%: growing) 74.06% 0.00% Compare
HBT HBT Financial, Inc. $1.4B 14.4× 13.1× +41.40% (above 0%: growing) +36.51% (above 0%: growing) +129.54% (above 0%: growing) 80.61% 0.00% Compare
Median of peers $1.4B 12.5× 12.7× +7.07% +27.56% +30.17% 76.85% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.01m 3.04m 98.11
2024 2.87m 3.36m 94.72
2023 1.57m 1.28m 92.15

Ownership

Directors and executive officers, together 11.99%
BlackRock, Inc.50 Hudson YardsNew York, NY 6.10%
The Vanguard Group100 Vanguard Blvd.Malvern, PA 5.06%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Burke & Herbert Financial Services Corp. (BHRB) Latest News

24 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · GlobeNewswire earnings
Impact 3 · · Zacks
Impact 3 · · Associated Press

28 Sep

Impact 3 · · GlobeNewswire

23 Jul

Impact 3 ·

1 May

Impact 4 · · GlobeNewswire

23 Apr

Impact 4 · · GlobeNewswire

13 Apr

Impact 5 · · GlobeNewswire

25 Mar

Impact 4 · · GlobeNewswire

10 Feb

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

3 Feb

Impact 4 · · Simply Wall St.

2 Feb

Impact 3 · · Zacks
Impact 3 · · Zacks

22 Jan

Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire

13 Jan

Impact 4 · · Simply Wall St.

12 Jan

Impact 3 · · Simply Wall St.

9 Jan

Impact 4 · · Simply Wall St.

1 Jan

Impact 3 · · Simply Wall St.

23 Dec

Impact 4 · · Zacks

22 Dec

Impact 4 · · bankingdive.com

19 Dec

Impact 4 · · Business Wire

18 Dec

Impact 4 · · PR Newswire

27 Nov

Impact 3 · · Simply Wall St.

25 Nov

Impact 4 · · Simply Wall St.

24 Nov

Impact 3 ·
stockrow.com/BHRB · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com