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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. In the quarter to June 2026, revenue grew 20.9%, EPS fell 74.8%, free cash flow grew 49.6% and total debt rose 32.7%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three; insiders bought in the last twelve months.

69.69 0.06 −0.09%
Market cap
$1.4B
P/E
11.1×
Fwd P/E
8.4×
Dividend yield
3.16%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.01
Total sells 0.79
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — 2 2 1 1 4 — —
Sell — — — — — — 1 — — 6 — —
Insider Ownership 7.04%

Capital & Financial Ratios $m

Market Cap 1,410.00
Revenue 514.70
Net Income 97.04
Free Cash Flow 86.66
Net Debt (14.97)
Current Ratio 0.84
Debt/Equity 0.13
P/E ratio 11.10
Fwd P/E 8.42
P/S ratio 2.49
P/B ratio 1.08
Past 5Y EPS Growth —
This Y EPS Growth (2.01%) (below 0%: weak)
Next Y EPS Growth 15.50% (at or above 15%: strong)
Next Y revenue growth (10.89%) (below 0%: weak)
Next 5Y EPS Growth 5.92%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 36.80%
10-year low 10-year high
P/S against its own 10 years 58.15%
10-year low 10-year high
P/B against its own 10 years 10.20%
10-year low 10-year high

Dividends

Payout Ratio 0.35
Annual Dividend Rate 2.20
Annual Dividend Yield 3.16%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.21
0.55
0.55
0.55
2025 2.20
0.55
0.55
0.55
0.55
2024 2.14
0.53
0.53
0.53
0.55
2023 2.12
0.53
0.53
0.53
0.53
2022 1.60
0.53
0.53
0.53
0.01
2021 2.00
0.50
0.50
0.50
0.50
2020 2.00
0.50
0.50
0.50
0.50
2019 2.00
0.50
0.50
0.50
0.50
2018 2.00
0.48
0.48
0.50
0.55
2017 1.88
0.45
0.45
0.45
0.53
2016 1.85
0.44
0.44
0.44
0.54
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 44 135 289 167
Receivables — — — —
Inventory — — — —
Other — — — —
2,124 5,776 5,645 8,125
2023 2024 2025 Q'26
Payables 3,002 6,515 6,404 8,968
ST’ Debt — — — —
Other — — — —
3,303 6,970 6,978 9,637

Compound Annual Growth %

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

Revenue $m

Mar Jun Sep Dec Year
’26 118 151 — — —
’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 — — —
’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) — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.79 0.50 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 46.90 50.13 65.63 50.98 38.38 42.68 45.30 42.91 46.00 47.57

Analyst estimates 2026–2028

Powerpack
High 51.25 70.35 75.00 74.75 58.63 83.13 84.00 85.00 75.32 70.51
People
People Employees — — — — — — — 400 815 832
Revenue/emp, $m — — — — — 0.00 0.00 0.41 0.49 0.59
Income, $m
Income, $m Revenue — — — — — 118 130 165 402 491
Gross margin, % — — — — — 96.43 93.11 67.77 65.11 69.64
EBT — — — — — 40 52 25 40 145
EBT margin, % — — — — — 34.25 40.32 15.20 9.92 29.51
Net income — — — — — 36 44 23 36 117
Depreciation — — — — — 20 20 18 32 39
Per share, $
Per share, $ Revenue — — — — — 15.90 17.47 22.19 32.46 32.73
Earnings — — — — — 4.87 5.93 3.05 2.82 7.76
Cash flow — — — — — 7.40 8.22 5.72 6.92 7.19
Capex — — — — — 0.20 (2.00) (1.46) (0.31) (0.77)
Free cash flow — — — — — 7.60 6.23 4.26 6.62 6.42
Book value — — — — — 0.00 36.83 42.37 58.91 56.95
Shares, m — — — — — 7 7 7 12 15
Valuation, ×
Valuation, × P/E — — — — — 11.98 11.98 20.54 25.66 8.03
P/S — — — — — 0.00 4.06 2.83 1.92 1.90
P/B — — — — — 0.00 1.93 1.48 1.07 1.11
EV/Sales — — — — — 0.00 6.32 4.21 1.86 1.49
EV/FCF — — — — — 0.00 17.73 21.92 9.14 7.61
Cash, $m
Cash, $m Operating cash flow — — — — — 55 61 43 86 108
Capex — — — — — 1 (15) (11) (4) (12)
Free cash flow — — — — — 56 46 32 82 96
Balance, $m
Balance, $m Working capital — — — — — — (1,014) (1,178) (1,194) (1,334)
Total debt — — — — — — 343 272 112 87
Net debt — — — — — — 293 228 (23) (202)
Shareholders’ equity — — — — — — 273 315 730 855
Returns, %
Returns, % ROA — — — — — 0.00 2.47 0.63 0.61 1.48
ROIC — — — — — 0.00 5.77 2.89 3.53 13.87
ROE — — — — — 0.00 0.00 7.72 6.77 14.89
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CASH Pathward Financial, Inc. $1.5B 9.1× 9.2× −3.18% (below 0%: shrinking) −24.73% (below 0%: shrinking) +20.54% (above 0%: growing) 99.41% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 41.6× 40.6× +13.51% (above 0%: growing) +193.33% (above 0%: growing) +372.54% (above 0%: growing) 82.38% 0.00% Compare
ESQ Esquire Financial Holdings, Inc. $1.4B 18.4× 28.7× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.4B 13.3× 13.8× +1.75% (above 0%: growing) +8.57% (above 0%: growing) +36.16% (above 0%: growing) 65.79% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.1× 8.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00%
AMAL Amalgamated Financial Corp. $1.4B 12.4× 10.7× +15.47% (above 0%: growing) +36.47% (above 0%: growing) −23.52% (below 0%: shrinking) 75.97% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 13.5× 12.7× −2.49% (below 0%: shrinking) +4.46% (above 0%: growing) −33.14% (below 0%: shrinking) 94.98% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 11.6× +2.51% (above 0%: growing) +36.42% (above 0%: growing) −198.57% (below 0%: shrinking) 73.16% 0.00% Compare
CTBI Community Trust Bancorp, Inc. $1.4B 12.5× 11.1× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
Median of peers $1.4B 12.9× 12.1× +4.74% +13.71% +28.35% 79.18% 0.00%

All 323 Banks Regional stocks →

Burke & Herbert Financial Services Corp. (BHRB) key facts

  • Strength: Burke & Herbert Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $491.1 million, up 22.1% from fiscal 2024.
  • Burke & Herbert Financial Services Corp. (BHRB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, BHRB traded at $69.69, a market capitalization of $1.4 billion.
  • Burke & Herbert Financial Services Corp. pays an annual dividend of $2.20 per share, a yield of 3.16%, with a payout ratio of 35.3%.
  • Return on equity was 14.9% and debt-to-equity 0.13.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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

13 Apr

Impact 5 ·
stockrow.com/BHRB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com