BHRB
Burke & Herbert Financial Services Corp.
Banks - Regional
Market Cap$1.01B
5Y Perf.+55.3%
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Side-by-side financial analysisBHRB
MNSB
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Stock Comparison
BHRB vs MNSB
Revenue, margins, valuation, and 5-year total return — side by side.
MNSB
MainStreet Bancshares, Inc.
Banks - Regional
Market Cap$184M
5Y Perf.+88.9%
BHRB vs MNSB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  BHRB |  MNSB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.01B | $184M |
| Revenue (TTM) | $487M | $135M |
| Net Income (TTM) | $117M | $16M |
| Gross Margin | 69.1% | 54.3% |
| Operating Margin | 29.7% | 14.1% |
| Forward P/E | 8.3x | 11.0x |
| Total Debt | $537M | $70M |
| Cash & Equiv. | $53M | $26M |
BHRB vs MNSB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BHRB
MNSB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Burke & Herbert Fin… (BHRB) | 100 | 155.3 | +55.3% |
| MainStreet Bancshar… (MNSB) | 100 | 188.9 | +88.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BHRB vs MNSB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BHRB leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. MainStreet Bancshares, Inc. is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
🥇BHRB emerged as the overall leader. Track its performance:
BHRB
Burke & Herbert Financial Services Corp.
The Banking Pick
BHRB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.81, yield 3.4%
- Rev growth 23.7%, EPS growth 231.2%
- Beta 0.81, yield 3.4%, current ratio 3.79x
Best for: income & stability and growth exposure
MNSB
MainStreet Bancshares, Inc.
The Banking Pick
MNSB is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 135.4% 10Y total return vs BHRB's 80.9%
- Lower volatility, beta 0.60, Low D/E 32.0%, current ratio 0.02x
- Beta 0.60 vs BHRB's 0.81, lower leverage
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  BHRB | 23.7% NII/revenue growth vs MNSB's -1.4% |
| Value | BHRB | Lower P/E (8.3x vs 11.0x) |
| Quality / Margins | BHRB | Efficiency ratio 0.4% vs MNSB's 0.4% (lower = leaner) |
| Stability / Safety |  MNSB | Beta 0.60 vs BHRB's 0.81, lower leverage |
| Dividends | BHRB | 3.4% yield, 2-year raise streak, vs MNSB's 1.6% |
| Momentum (1Y) | MNSB | +37.2% vs BHRB's +17.9% |
| Efficiency (ROA) | BHRB | Efficiency ratio 0.4% vs MNSB's 0.4% |
BHRB vs MNSB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
BHRB vs MNSB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBHRBLAGGINGMNSB
MNSBMainStreet Bancshares…
2leads
BHRBBurke & Herbert Finan…
4leads
6 Total Categories
CATEGORYLEADERvs MNSBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BHRB4/5
Valuation MetricsMultiples, price ratios, and targets
BHRB4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BHRB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MNSB5/6
Risk & VolatilityBeta, volatility, and downside exposure
MNSB2/2
Analyst OutlookRatings, price targets, and dividends
BHRB2/2
Income & Cash Flow (Last 12 Months)
BHRB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BHRB is the larger business by revenue, generating $487M annually — 3.6x MNSB's $135M. BHRB is the more profitable business, keeping 24.1% of every revenue dollar as net income compared to MNSB's 11.5%.
| Metric | BHRBBurke & Herbert F… | MNSBMainStreet Bancsh… |
|---|---|---|
| RevenueTrailing 12 months | $487M | $135M |
| EBITDAEarnings before interest/tax | $162M | $23M |
| Net IncomeAfter-tax profit | $117M | $16M |
| Free Cash FlowCash after capex | $96M | $11M |
| Gross MarginGross profit ÷ Revenue | +69.1% | +54.3% |
| Operating MarginEBIT ÷ Revenue | +29.7% | +14.1% |
| Net MarginNet income ÷ Revenue | +24.1% | +11.5% |
| FCF MarginFCF ÷ Revenue | +19.7% | +7.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +53.8% | +120.9% |
BHRB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BHRB leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, BHRB trades at a 39% valuation discount to MNSB's 14.2x P/E. On an enterprise value basis, BHRB's 10.3x EV/EBITDA is more attractive than MNSB's 11.9x.
| Metric | BHRBBurke & Herbert F… | MNSBMainStreet Bancsh… |
|---|---|---|
| Market CapShares × price | $1.0B | $184M |
| Enterprise ValueMkt cap + debt − cash | $1.5B | $227M |
| Trailing P/EPrice ÷ TTM EPS | 8.66x | 14.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.29x | 11.03x |
| PEG RatioP/E ÷ EPS growth rate | 0.47x | — |
| EV / EBITDAEnterprise value multiple | 10.29x | 11.90x |
| Price / SalesMarket cap ÷ Revenue | 2.05x | 1.35x |
| Price / BookPrice ÷ Book value/share | 1.18x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 10.48x | 17.26x |
BHRB leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
BHRB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
BHRB delivers a 14.6% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $7 for MNSB. MNSB carries lower financial leverage with a 0.32x debt-to-equity ratio, signaling a more conservative balance sheet compared to BHRB's 0.63x. On the Piotroski fundamental quality scale (0–9), BHRB scores 6/9 vs MNSB's 5/9, reflecting solid financial health.
| Metric | BHRBBurke & Herbert F… | MNSBMainStreet Bancsh… |
|---|---|---|
| ROE (TTM)Return on equity | +14.6% | +7.3% |
| ROA (TTM)Return on assets | +1.5% | +0.7% |
| ROICReturn on invested capital | +8.4% | +5.0% |
| ROCEReturn on capital employed | +3.5% | +6.0% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.63x | 0.32x |
| Net DebtTotal debt minus cash | $484M | $43M |
| Cash & Equiv.Liquid assets | $53M | $26M |
| Total DebtShort + long-term debt | $537M | $70M |
| Interest CoverageEBIT ÷ Interest expense | 0.97x | 0.31x |
BHRB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MNSB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BHRB five years ago would be worth $15,173 today (with dividends reinvested), compared to $11,813 for MNSB. Over the past 12 months, MNSB leads with a +37.2% total return vs BHRB's +17.9%. The 3-year compound annual growth rate (CAGR) favors MNSB at 4.2% vs BHRB's -3.0% — a key indicator of consistent wealth creation.
| Metric | BHRBBurke & Herbert F… | MNSBMainStreet Bancsh… |
|---|---|---|
| YTD ReturnYear-to-date | +10.4% | +26.5% |
| 1-Year ReturnPast 12 months | +17.9% | +37.2% |
| 3-Year ReturnCumulative with dividends | -8.8% | +13.1% |
| 5-Year ReturnCumulative with dividends | +51.7% | +18.1% |
| 10-Year ReturnCumulative with dividends | +80.9% | +135.4% |
| CAGR (3Y)Annualised 3-year return | -3.0% | +4.2% |
MNSB leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
MNSB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MNSB is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than BHRB's 0.81 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MNSB currently trades 99.0% from its 52-week high vs BHRB's 94.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BHRBBurke & Herbert F… | MNSBMainStreet Bancsh… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.81x | 0.60x |
| 52-Week HighHighest price in past year | $70.90 | $25.17 |
| 52-Week LowLowest price in past year | $55.40 | $17.86 |
| % of 52W HighCurrent price vs 52-week peak | +94.6% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 64.0 | 65.3 |
| Avg Volume (50D)Average daily shares traded | 146K | 45K |
MNSB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
BHRB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BHRB as "Buy" and MNSB as "Hold". For income investors, BHRB offers the higher dividend yield at 3.36% vs MNSB's 1.60%.
| Metric | BHRBBurke & Herbert F… | MNSBMainStreet Bancsh… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $74.00 | — |
| # AnalystsCovering analysts | 3 | 1 |
| Dividend YieldAnnual dividend ÷ price | +3.4% | +1.6% |
| Dividend StreakConsecutive years of raises | 2 | 0 |
| Dividend / ShareAnnual DPS | $2.26 | $0.40 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.4% |
BHRB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BHRB leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). MNSB leads in 2 (Total Returns, Risk & Volatility).
Best OverallBurke & Herbert Financial S… (BHRB)Leads 4 of 6 categories
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BHRB vs MNSB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BHRB or MNSB a better buy right now?
For growth investors, Burke & Herbert Financial Services Corp.
(BHRB) is the stronger pick with 23. 7% revenue growth year-over-year, versus -1. 4% for MainStreet Bancshares, Inc. (MNSB). Burke & Herbert Financial Services Corp. (BHRB) offers the better valuation at 8. 7x trailing P/E (8. 3x forward), making it the more compelling value choice. Analysts rate Burke & Herbert Financial Services Corp. (BHRB) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BHRB or MNSB?
On trailing P/E, Burke & Herbert Financial Services Corp.
(BHRB) is the cheapest at 8. 7x versus MainStreet Bancshares, Inc. at 14. 2x. On forward P/E, Burke & Herbert Financial Services Corp. is actually cheaper at 8. 3x.
03Which is the better long-term investment — BHRB or MNSB?
Over the past 5 years, Burke & Herbert Financial Services Corp.
(BHRB) delivered a total return of +51. 7%, compared to +18. 1% for MainStreet Bancshares, Inc. (MNSB). Over 10 years, the gap is even starker: MNSB returned +135. 4% versus BHRB's +80. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BHRB or MNSB?
By beta (market sensitivity over 5 years), MainStreet Bancshares, Inc.
(MNSB) is the lower-risk stock at 0. 60β versus Burke & Herbert Financial Services Corp. 's 0. 81β — meaning BHRB is approximately 35% more volatile than MNSB relative to the S&P 500. On balance sheet safety, MainStreet Bancshares, Inc. (MNSB) carries a lower debt/equity ratio of 32% versus 63% for Burke & Herbert Financial Services Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — BHRB or MNSB?
By revenue growth (latest reported year), Burke & Herbert Financial Services Corp.
(BHRB) is pulling ahead at 23. 7% versus -1. 4% for MainStreet Bancshares, Inc. (MNSB). On earnings-per-share growth, the picture is similar: Burke & Herbert Financial Services Corp. grew EPS 231. 2% year-over-year, compared to 210. 0% for MainStreet Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BHRB or MNSB?
Burke & Herbert Financial Services Corp.
(BHRB) is the more profitable company, earning 23. 9% net margin versus 11. 5% for MainStreet Bancshares, Inc. — meaning it keeps 23. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BHRB leads at 29. 5% versus 14. 0% for MNSB. At the gross margin level — before operating expenses — BHRB leads at 69. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BHRB or MNSB more undervalued right now?
On forward earnings alone, Burke & Herbert Financial Services Corp.
(BHRB) trades at 8. 3x forward P/E versus 11. 0x for MainStreet Bancshares, Inc. — 2. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — BHRB or MNSB?
All stocks in this comparison pay dividends.
Burke & Herbert Financial Services Corp. (BHRB) offers the highest yield at 3. 4%, versus 1. 6% for MainStreet Bancshares, Inc. (MNSB).
09Is BHRB or MNSB better for a retirement portfolio?
For long-horizon retirement investors, MainStreet Bancshares, Inc.
(MNSB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 60), 1. 6% yield, +135. 4% 10Y return). Both have compounded well over 10 years (MNSB: +135. 4%, BHRB: +80. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BHRB and MNSB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BHRB is a small-cap high-growth stock; MNSB is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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