8-K Announcements
6Apr 23, 2026·SEC
Apr 13, 2026·SEC
Mar 25, 2026·SEC
Burke & Herbert Financial Services Corp. (BHRB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Burke & Herbert Financial Services Corp. (BHRB) stock price & volume — 10-year historical chart
Burke & Herbert Financial Services Corp. (BHRB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Burke & Herbert Financial Services Corp. (BHRB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $1.87vs $1.87+0.0% | $85Mvs $87M-2.1% |
| Q2 2026 | Apr 23, 2026 | $1.87vs $1.87+0.0% | $85Mvs $87M-2.1% |
| Q1 2026 | Jan 23, 2026 | $1.77vs $1.87-5.3% | $123Mvs $81M+52.1% |
| Q1 2026 | Jan 22, 2026 | $1.98vs $1.91+3.7% | $87Mvs $87M-0.1% |
Burke & Herbert Financial Services Corp. (BHRB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Burke & Herbert Financial Services Corp. (BHRB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Burke & Herbert Financial Services Corp. (BHRB) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'04 | Dec'05 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 48.89M | 53.4M | 89.23M | 89.72M | 96.6M | 103.69M | 93.76M | 225.78M | 295.91M |
NII Growth % | 3.08% | 9.22% | - | 0.54% | 7.68% | 7.34% | -9.58% | 140.81% | 31.06% |
Net Interest Margin % | 3.86% | 3.72% | 3.11% | 2.62% | 2.67% | 2.91% | 2.59% | 2.89% | 3.74% |
Interest Income | 56.54M | 66.07M | 110.69M | 101M | 100.82M | 112.63M | 146.9M | 366.16M | 444.99M |
Interest Expense | 7.65M | 12.67M | 21.46M | 11.28M | 4.22M | 8.94M | 53.14M | 140.38M | 149.08M |
Loan Loss Provision | 125K | 700K | 6.24M | 12.65M | -1M | -7.47M | 214K | 24.22M | 1.52M |
Non-Interest Income | 6.25M | 6.97M | 16.85M | 20.38M | 18.31M | 14.84M | 15.39M | 30.77M | 46.12M |
Non-Interest Income % | 9.95% | 9.54% | 13.21% | 16.79% | 15.37% | 11.64% | 9.48% | 7.75% | 9.39% |
Total Revenue | 62.78M▲ 0% | 73.03M▲ 16.3% | 127.53M▲ 74.6% | 121.37M▼ 4.8% | 119.13M▼ 1.8% | 127.48M▲ 7.0% | 162.28M▲ 27.3% | 396.93M▲ 144.6% | 491.11M▲ 23.7% |
Revenue Growth % | 0.37% | 16.32% | - | -4.83% | -1.85% | 7% | 27.3% | 144.59% | 23.73% |
Non-Interest Expense | 24.27M | 26.59M | 83.11M | 69.01M | 75.48M | 73.7M | 83.87M | 192.44M | 195.56M |
Efficiency Ratio | 38.66% | 36.41% | 65.17% | 56.85% | 63.35% | 57.82% | 51.68% | 48.48% | 39.82% |
Operating Income | 30.73M▲ 0% | 33.07M▲ 7.6% | 16.72M▼ 49.4% | 28.44M▲ 70.1% | 40.44M▲ 42.2% | 52.3M▲ 29.3% | 25.06M▼ 52.1% | 39.9M▲ 59.2% | 144.95M▲ 263.3% |
Operating Margin % | 48.95% | 45.28% | 13.11% | 23.43% | 33.95% | 41.03% | 15.44% | 10.05% | 29.51% |
Operating Income Growth % | -1.09% | 7.59% | - | 70.06% | 42.21% | 29.32% | -52.08% | 59.2% | 263.3% |
Pretax Income | 30.73M▲ 0% | 33.07M▲ 7.6% | 16.72M▼ 49.4% | 28.44M▲ 70.1% | 40.44M▲ 42.2% | 52.3M▲ 29.3% | 25.06M▼ 52.1% | 39.9M▲ 59.2% | 144.95M▲ 263.3% |
Pretax Margin % | 48.95% | 45.28% | 13.11% | 23.43% | 33.95% | 41.03% | 15.44% | 10.05% | 29.51% |
Income Tax | 9.94M | 10.91M | -255K | 1.94M | 4.28M | 8.29M | 2.37M | 4.19M | 27.63M |
Effective Tax Rate % | 32.33% | 33% | -1.52% | 6.82% | 10.58% | 15.84% | 9.45% | 10.5% | 19.06% |
Net Income | 20.8M▲ 0% | 22.16M▲ 6.5% | 16.98M▼ 23.4% | 26.5M▲ 56.1% | 36.16M▲ 36.5% | 44.01M▲ 21.7% | 22.69M▼ 48.4% | 35.71M▲ 57.4% | 117.32M▲ 228.5% |
Net Margin % | 33.13% | 30.34% | 13.31% | 21.83% | 30.36% | 34.53% | 13.98% | 9% | 23.89% |
Net Income Growth % | 1.33% | 6.53% | - | 56.08% | 36.48% | 21.7% | -48.44% | 57.36% | 228.54% |
Net Income (Continuing) | 20.8M | 22.16M | 16.98M | 26.5M | 36.16M | 44.01M | 22.69M | 35.71M | 117.32M |
EPS (Diluted) | 2.64▲ 0% | 2.82▲ 6.8% | 2.12▼ 24.8% | 3.31▲ 56.1% | 4.52▲ 36.6% | 5.89▲ 30.3% | 3.02▼ 48.7% | 2.34▼ 22.5% | 7.75▲ 231.2% |
EPS Growth % | 1.54% | 6.82% | - | 56.13% | 36.56% | 30.31% | -48.73% | -22.52% | 231.2% |
EPS (Basic) | 2.64 | 2.82 | 2.12 | 3.31 | 4.52 | 5.93 | 3.05 | 2.34 | 7.75 |
Diluted Shares Outstanding | 7.87M | 7.86M | 8M | 8M | 8M | 7.47M | 7.43M | 14.97M | 15.03M |
Burke & Herbert Financial Services Corp. (BHRB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'04 | Dec'05 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 25.51M | 26.52M | 777.5M | 1.39B | 1.68B | 1.42B | 550.44M | 467.69M | 1.67B |
Cash & Due from Banks | 25.51M | 26.52M | 83.75M | 228.7M | 77.36M | 50.3M | 44.5M | 135.31M | 53.5M |
Short Term Investments | 0 | 0 | 693.75M | 1.16B | 1.61B | 1.37B | 505.94M | 332.37M | 1.62B |
Total Investments | 1.19B | 1.35B | 2.55B | 2.97B | 3.32B | 3.24B | 2.57B | 5.94B | 1.62B |
Investments Growth % | 8.97% | 13.55% | - | 16.22% | 11.83% | -2.48% | -20.63% | 131.1% | -72.79% |
Long-Term Investments | 1.19B | 1.35B | 1.86B | 1.81B | 1.71B | 1.87B | 2.06B | 5.61B | 0 |
Accounts Receivables | 6.43M | 7.42M | 8.11M | 13.78M | 15.25M | 15.48M | 15.89M | 34.45M | 35.44M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90.08M | 75.9M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 32.78M | 34.15M |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 57.3M | 41.75M |
PP&E (Net) | 22.04M | 23.23M | 41.19M | 40.49M | 36.88M | 53.17M | 61.13M | 132.27M | 136.81M |
Other Assets | 30.46M | 34.34M | 178.17M | 172.81M | 171.96M | 206.01M | 926.17M | 1.48B | 0 |
Total Current Assets | 31.94M | 33.94M | 785.61M | 1.4B | 1.7B | 1.44B | 566.33M | 502.14M | 1.7B |
Total Non-Current Assets | 1.23B | 1.4B | 2.08B | 2.02B | 1.92B | 2.13B | 3.05B | 7.31B | 212.71M |
Total Assets | 1.27B▲ 0% | 1.43B▲ 13.3% | 2.87B▲ 99.8% | 3.42B▲ 19.5% | 3.62B▲ 5.8% | 3.56B▼ 1.6% | 3.62B▲ 1.5% | 7.81B▲ 116.0% | 7.92B▲ 1.4% |
Asset Growth % | 8.43% | 13.32% | - | 19.5% | 5.75% | -1.62% | 1.53% | 115.95% | 1.39% |
Return on Assets (ROA) | 1.71% | 1.64% | 0.59% | 0.84% | 1.03% | 1.23% | 0.63% | 0.62% | 1.49% |
Accounts Payable | 2.92M | 3.78M | 43.4M | 25.46M | 23.7M | 25.95M | 28.95M | 0 | 0 |
Total Debt | 66.61M | 148.91M | 150M | 450M | 550M | 686.2M | 544M | 476.88M | 537.49M |
Net Debt | 41.1M | 122.4M | 66.25M | 221.3M | 472.64M | 635.9M | 499.5M | 341.57M | 483.99M |
Long-Term Debt | 0 | 0 | 75M | 225M | 275M | 343.1M | 272M | 111.89M | 87.49M |
Short-Term Debt | 66.61M | 148.91M | 75M | 225M | 275M | 343.1M | 272M | 365M | 450M |
Other Liabilities | -2.92M | -3.78M | -75M | -225M | -275M | -343.1M | -272M | 89.9M | 6.53B |
Total Current Liabilities | 1.14B | 1.3B | 2.51B | 3.04B | 3.23B | 3.29B | 3.3B | 6.88B | 450M |
Total Non-Current Liabilities | -2.92M | -3.78M | 0 | 0 | 0 | 0 | 0 | 201.79M | 6.62B |
Total Liabilities | 1.14B | 1.3B | 2.51B | 3.04B | 3.23B | 3.29B | 3.3B | 7.08B | 7.07B |
Total Equity | 129.26M▲ 0% | 137.74M▲ 6.6% | 353.53M▲ 156.7% | 384.88M▲ 8.9% | 389.63M▲ 1.2% | 273.45M▼ 29.8% | 314.75M▲ 15.1% | 730.16M▲ 132.0% | 854.65M▲ 17.1% |
Equity Growth % | 8.41% | 6.56% | - | 8.87% | 1.23% | -29.82% | 15.1% | 131.98% | 17.05% |
Equity / Assets (Capital Ratio) | 10.21% | 9.6% | 12.34% | 11.24% | 10.76% | 7.68% | 8.7% | 9.35% | 10.79% |
Return on Equity (ROE) | 16.74% | 16.6% | 4.8% | 7.18% | 9.34% | 13.28% | 7.72% | 6.83% | 14.81% |
Book Value per Share | 16.42 | 17.52 | 44.19 | 48.11 | 48.70 | 36.62 | 42.37 | 48.78 | 56.87 |
Tangible BV per Share | 16.42 | 17.52 | 44.19 | 48.11 | 48.70 | 36.62 | 42.37 | 42.76 | 51.82 |
Common Stock | 3.93M | 3.93M | 3.74M | 4M | 4M | 4M | 4M | 7.77M | 7.8M |
Additional Paid-in Capital | 10M | 10M | 10.03M | 10.18M | 10.37M | 12.28M | 14.49M | 401.17M | 405.92M |
Retained Earnings | 119.48M | 132.43M | 338.33M | 374.83M | 396.12M | 424.39M | 427.33M | 434.11M | 517.06M |
Accumulated OCI | -4.15M | -8.62M | 1.43M | 22.58M | 6.96M | -139.5M | -103.49M | -95.72M | -58.96M |
Treasury Stock | 0 | 0 | 0 | -26.71M | -27.82M | -27.73M | -27.58M | -27.58M | -27.58M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10.41M | 10.41M |
Burke & Herbert Financial Services Corp. (BHRB) cash flow — operating, investing & free cash flow history
| Metric | Dec'04 | Dec'05 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 23.68M | 23.41M | 25.68M | 23.19M | 54.95M | 61.06M | 42.51M | 86.15M | 107.93M |
Operating CF Growth % | 59289.58% | -1.16% | - | -9.71% | 136.96% | 11.11% | -30.38% | 102.66% | 25.29% |
Net Income | 20.8M | 22.16M | 16.98M | 26.5M | 36.16M | 44.01M | 22.69M | 35.71M | 117.31M |
Depreciation & Amortization | 2.59M | 3.42M | 3.04M | 2.94M | 3.21M | 3.05M | 2.87M | 17.41M | 22.72M |
Deferred Taxes | -228K | 969.45K | -5.09M | 3.22M | 5.12M | 7.54M | 4.14M | 3.92M | 20.26M |
Other Non-Cash Items | 674.61K | -570K | 3.24M | 4.85M | 9.04M | 214K | 431K | -7.96M | -34.86M |
Working Capital Changes | -156K | -2.57M | 7.49M | -14.46M | 1.14M | 4.23M | 9.91M | 34.19M | -22.27M |
Cash from Investing | -104.61M | -172.45M | 132.36M | -405.74M | -384.13M | -127.41M | -43.17M | 123.56M | 136.72M |
Purchase of Investments | -242.06M | -13.12M | -101.78M | -679.93M | -669.95M | -367.62M | -33.22M | -622.76M | -374.92M |
Sale/Maturity of Investments | 1000K | 1000K | 264.72M | 237.89M | 195.28M | 409.5M | 189.81M | 630.25M | 231.67M |
Net Investment Activity | -241.07M | -12.12M | 162.93M | -442.05M | -474.67M | 41.89M | 156.58M | 7.49M | -143.25M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -91.65M | -197.74M | -28.8M | 39.01M | 91.63M | -146.22M | -185.5M | 120.64M | 291.67M |
Cash from Financing | 78.71M | 150.05M | -176.17M | 527.5M | 177.83M | 39.29M | -5.14M | -118.54M | -90.84M |
Dividends Paid | -8.07M | -8.84M | -14.99M | -14.9M | -14.87M | -15.74M | -15.75M | -28.64M | -33.92M |
Share Repurchases | 0 | 0 | -3.13M | -1.54M | -1.11M | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 97K | 141K | 3.24M | 30K |
Net Stock Activity | 0 | 0 | -3.13M | -1.54M | -1.11M | 97K | 141K | 3.24M | 30K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K |
Other Financing | 69.12M | 76.95M | 86.94M | 393.95M | 143.97M | -13.02M | 81.69M | -185.93M | -111.72M |
Net Change in Cash | -2.22M▲ 0% | 1.01M▲ 145.4% | -18.13M▼ 1900.7% | 144.96M▲ 899.4% | -151.34M▼ 204.4% | -27.07M▲ 82.1% | -5.8M▲ 78.6% | 90.82M▲ 1666.6% | 153.81M▲ 69.4% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 27.73M | 25.51M | 101.88M | 83.75M | 228.7M | 77.36M | 50.3M | 44.5M | 135.31M |
Cash at End | 25.51M | 26.52M | 83.75M | 228.7M | 77.36M | 50.3M | 44.5M | 135.31M | 289.13M |
Interest Paid | 0 | 0 | 21.4M | 11.66M | 4.33M | 7.8M | 45.63M | 139.31M | 147.6M |
Income Taxes Paid | 0 | 0 | 100K | 1.4M | 1.35M | 950K | 1.57M | 1.98M | 0 |
Free Cash Flow | 20.78M▲ 0% | 20.7M▼ 0.4% | 23.91M▲ 15.5% | 20.49M▼ 14.3% | 53.87M▲ 162.9% | 37.98M▼ 29.5% | 28.26M▼ 25.6% | 81.23M▲ 187.4% | 96.23M▲ 18.5% |
FCF Growth % | 1698.69% | -0.42% | - | -14.3% | 162.87% | -29.49% | -25.6% | 187.45% | 18.46% |
Burke & Herbert Financial Services Corp. (BHRB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2003 | 2004 | 2005 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 17.68% | 16.74% | 16.6% | 4.8% | 7.18% | 9.34% | 13.28% | 7.72% | 6.83% | 14.81% |
| Return on Assets (ROA) | 1.83% | 1.71% | 1.64% | 0.59% | 0.84% | 1.03% | 1.23% | 0.63% | 0.62% | 1.49% |
| Net Interest Margin | 4.06% | 3.86% | 3.72% | 3.11% | 2.62% | 2.67% | 2.91% | 2.59% | 2.89% | 3.74% |
| Efficiency Ratio | 35.75% | 38.66% | 36.41% | 65.17% | 56.85% | 63.35% | 57.82% | 51.68% | 48.48% | 39.82% |
| Equity / Assets | 10.22% | 10.21% | 9.6% | 12.34% | 11.24% | 10.76% | 7.68% | 8.7% | 9.35% | 10.79% |
| Book Value / Share | 15.1 | 16.42 | 17.52 | 44.19 | 48.11 | 48.7 | 36.62 | 42.37 | 48.78 | 56.87 |
| NII Growth | 4.13% | 3.08% | 9.22% | - | 0.54% | 7.68% | 7.34% | -9.58% | 140.81% | 31.06% |
| Dividend Payout | 34.6% | 38.8% | 39.91% | 88.29% | 56.25% | 41.12% | 35.77% | 69.39% | 80.19% | 28.91% |
Burke & Herbert Financial Services Corp. (BHRB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 13, 2026·SEC
Mar 25, 2026·SEC
Burke & Herbert Financial Services Corp. (BHRB) stock FAQ — growth, dividends, profitability & financials explained
Burke & Herbert Financial Services Corp. (BHRB) grew revenue by 23.7% over the past year. This is strong growth.
Yes, Burke & Herbert Financial Services Corp. (BHRB) is profitable, generating $117.3M in net income for fiscal year 2025 (23.9% net margin).
Yes, Burke & Herbert Financial Services Corp. (BHRB) pays a dividend with a yield of 3.36%. This makes it attractive for income-focused investors.
Burke & Herbert Financial Services Corp. (BHRB) has a return on equity (ROE) of 14.8%. This is reasonable for most industries.
Burke & Herbert Financial Services Corp. (BHRB) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Burke & Herbert Financial Services Corp. (BHRB) has an efficiency ratio of 39.8%. This is excellent, indicating strong cost control.