Burke & Herbert Bank & Trust Company (BHRB) 10-Year Financial Performance & Capital Metrics

BHRB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutBurke & Herbert Bank & Trust Company provides various banking products and services to individuals and businesses in the Northern Virginia. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also offers debit, credit, and gift cards; mortgage, consumer, commercial real estate, and small business loans, as well as home equity lines of credit, and commercial loans and lines of credit; and financing for medical and dental practices. In addition, the company provides safe deposit boxes; online wire, ACH, positive pay, remote deposit, merchant, lockbox, and sweep services. Further, it offers wealth management, retirement planning, estate planning and asset management, and insurance services, as well as private, online, and mobile banking services. As of March 19, 2022, the company operated through approximately 20 branches in Northern Virginia. Burke & Herbert Bank & Trust Company was founded in 1852 and is based in Alexandria, Virginia.Show more

Net Interest Income $226M +140.8%
Total Revenue $397M +144.6%
Net Income $36M +57.4%
Return on Equity 6.83% -11.4%
Net Interest Margin 2.89% +11.5%
Efficiency Ratio 48.48% -6.2%
ROA 0.62% -1.1%
Equity / Assets 9.35% +7.4%
Book Value per Share 48.78 +15.1%
Tangible BV/Share 42.76 +0.9%
Debt/Equity 0.65 -62.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 16.0%
✓Efficient operations: 48.5% efficiency ratio
✓Healthy dividend yield of 2.9%
✓Trading at only 1.3x book value

✗Weaknesses

✗Shares diluted 100.0% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y25.22%

3Y50.14%

TTM-

Profit (Net Income) CAGR

10Y-

5Y16.03%

3Y-0.42%

TTM4161.91%

EPS CAGR

10Y-

5Y1.99%

3Y-19.7%

TTM1278%

ROCE

10Y Avg16.06%

5Y Avg9.77%

3Y Avg10.23%

Latest6.4%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2002	Dec 2003	Dec 2004	Dec 2005	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	45.55M	47.43M	48.89M	53.4M	89.23M	89.72M	96.6M	103.69M	93.76M	225.78M
NII Growth %	-	0.04%	0.03%	0.09%	0.67%	0.01%	0.08%	0.07%	-0.1%	1.41%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	58.44M	56.39M	56.54M	66.07M	110.69M	101M	100.82M	112.63M	146.9M	366.16M
Interest Expense	12.9M	8.97M	7.65M	12.67M	21.46M	11.28M	4.22M	8.94M	53.14M	140.38M
Loan Loss Provision	250K	145K	125K	700K	7.62M	11.27M	-1M	-7.47M	214K	24.22M
Non-Interest Income+	5.18M	6.16M	6.25M	6.97M	18.23M	19M	16.46M	14.84M	15.39M	30.77M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	63.62M	62.55M	62.78M	73.03M	128.91M	120M	117.28M	127.48M	162.28M	396.93M
Revenue Growth %	-	-0.02%	0%	0.16%	0.77%	-0.07%	-0.02%	0.09%	0.27%	1.45%
Non-Interest Expense	20.79M	22.36M	24.27M	26.59M	83.11M	69.01M	73.62M	73.7M	83.87M	192.44M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	29.68M	31.07M	30.73M	33.07M	16.72M	28.44M	40.44M	52.3M	25.06M	39.9M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.05%	-0.01%	0.08%	-0.49%	0.7%	0.42%	0.29%	-0.52%	0.59%
Pretax Income+	29.68M	31.07M	30.73M	33.07M	16.72M	28.44M	40.44M	52.3M	25.06M	39.9M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	10.05M	10.55M	9.94M	10.91M	-255K	1.94M	4.28M	8.29M	2.37M	4.19M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	19.64M	20.52M	20.8M	22.16M	16.98M	26.5M	36.16M	44.01M	22.69M	35.71M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.05%	0.01%	0.07%	-0.23%	0.56%	0.36%	0.22%	-0.48%	0.57%
Net Income (Continuing)	19.64M	20.52M	20.8M	22.16M	16.98M	26.5M	36.16M	44.01M	22.69M	35.71M
EPS (Diluted)+	2.47	2.60	2.64	2.82	2.12	3.31	4.52	5.89	3.02	2.34
EPS Growth %	-	0.05%	0.02%	0.07%	-0.25%	0.56%	0.37%	0.3%	-0.49%	-0.23%
EPS (Basic)	2.47	2.60	2.64	2.82	2.12	3.31	4.52	5.93	3.05	2.34
Diluted Shares Outstanding	7.93M	7.9M	7.87M	7.86M	8M	8M	8M	7.47M	7.43M	14.97M

Balance Sheet

	Dec 2002	Dec 2003	Dec 2004	Dec 2005	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	28.13M	27.73M	25.51M	26.52M	83.75M	228.7M	77.36M	50.3M	44.5M	135.31M
Short Term Investments	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	953.26M	1.09B	1.19B	1.35B	2.55B	2.97B	3.32B	3.24B	2.57B	5.94B
Investments Growth %	-	0.14%	0.09%	0.14%	0.89%	0.16%	0.12%	-0.02%	-0.21%	1.31%
Long-Term Investments	959.53M	1.09B	1.19B	1.35B	1.86B	1.81B	1.71B	1.87B	2.06B	5.61B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	32.78M
Intangible Assets	0	0	0	0	0	0	0	0	0	57.3M
PP&E (Net)	20.52M	20.43M	22.04M	23.23M	41.19M	40.49M	36.88M	53.17M	61.13M	132.27M
Other Assets	70.16M	28.73M	30.46M	34.34M	178.17M	172.81M	171.96M	206.01M	926.17M	1.48B
Total Current Assets	34.42M	34.48M	31.94M	33.94M	785.61M	1.4B	1.7B	1.44B	566.33M	502.14M
Total Non-Current Assets	1.04B	1.13B	1.23B	1.4B	2.08B	2.02B	1.92B	2.13B	3.05B	7.31B
Total Assets+	1.08B	1.17B	1.27B	1.43B	2.87B	3.42B	3.62B	3.56B	3.62B	7.81B
Asset Growth %	-	0.08%	0.08%	0.13%	1%	0.19%	0.06%	-0.02%	0.02%	1.16%
Return on Assets (ROA)	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	2.32M	2.61M	2.92M	3.78M	43.4M	25.46M	23.7M	25.95M	28.95M	0
Total Debt+	32.2M	47.62M	66.61M	148.91M	150M	450M	550M	686.2M	544M	476.88M
Net Debt	4.07M	19.89M	41.1M	122.4M	66.25M	221.3M	472.64M	635.9M	499.5M	341.57M
Long-Term Debt	0	0	0	0	75M	225M	275M	343.1M	272M	111.89M
Short-Term Debt	32.2M	47.62M	66.61M	148.91M	75M	225M	275M	343.1M	272M	365M
Other Liabilities	-2.32M	-2.61M	-2.92M	-3.78M	-75M	-225M	-275M	-343.1M	-272M	89.9M
Total Current Liabilities	967.7M	1.05B	1.14B	1.3B	2.51B	3.04B	3.23B	3.29B	3.3B	6.88B
Total Non-Current Liabilities	-2.32M	-2.61M	-2.92M	-3.78M	0	0	0	0	0	201.79M
Total Liabilities	965.38M	1.05B	1.14B	1.3B	2.51B	3.04B	3.23B	3.29B	3.3B	7.08B
Total Equity+	112.98M	119.24M	129.26M	137.74M	353.53M	384.88M	389.63M	273.45M	314.75M	730.16M
Equity Growth %	-	0.06%	0.08%	0.07%	1.57%	0.09%	0.01%	-0.3%	0.15%	1.32%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.17%	0.18%	0.17%	0.17%	0.07%	0.07%	0.09%	0.13%	0.08%	0.07%
Book Value per Share	14.24	15.10	16.42	17.52	44.19	48.11	48.70	36.62	42.37	48.78
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.96M	3.94M	3.93M	3.93M	3.74M	4M	4M	4M	4M	7.77M
Additional Paid-in Capital	10M	10M	10M	10M	10.03M	10.18M	10.37M	12.28M	14.49M	401.17M
Retained Earnings	96M	108.07M	119.48M	132.43M	338.33M	374.83M	396.12M	424.39M	427.33M	434.11M
Accumulated OCI	3.02M	-2.77M	-4.15M	-8.62M	1.43M	22.58M	6.96M	-139.5M	-103.49M	-95.72M
Treasury Stock	0	0	0	0	0	-26.71M	-27.82M	-27.73M	-27.58M	-27.58M
Preferred Stock	0	0	0	0	0	0	0	0	0	10.41M

Cash Flow

	Dec 2002	Dec 2003	Dec 2004	Dec 2005	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	19.73M	39.87K	23.68M	23.41M	25.68M	23.19M	54.95M	61.06M	42.51M	86.15M
Operating CF Growth %	-	-1%	592.9%	-0.01%	0.1%	-0.1%	1.37%	0.11%	-0.3%	1.03%
Net Income	19.64M	20.52M	20.8M	22.16M	16.98M	26.5M	36.16M	44.01M	22.69M	35.71M
Depreciation & Amortization	1.66M	1.57M	2.59M	3.42M	3.04M	2.94M	3.21M	3.05M	2.87M	17.41M
Deferred Taxes	-88.45K	-397K	-228K	969.45K	-5.09M	3.22M	5.12M	7.54M	4.14M	3.92M
Other Non-Cash Items	281.27K	-237K	674.61K	-570K	3.24M	4.85M	9.04M	214K	431K	-7.96M
Working Capital Changes	-1.76M	-21.42M	-156K	-2.57M	7.49M	-14.46M	1.14M	4.23M	9.91M	34.19M
Cash from Investing+	-179.14M	-74.22M	-104.61M	-172.45M	132.36M	-405.74M	-384.13M	-127.41M	-43.17M	123.56M
Purchase of Investments	-332.2M	-529.46M	-242.06M	-13.12M	-101.78M	-679.93M	-669.95M	-367.62M	-33.22M	-622.76M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-29.05M	-64.03M	-91.65M	-197.74M	-28.8M	39.01M	91.63M	-146.22M	-185.5M	120.64M
Cash from Financing+	159.94M	73.76M	78.71M	150.05M	-176.17M	527.5M	177.83M	39.29M	-5.14M	-118.54M
Dividends Paid	-6.34M	-7.1M	-8.07M	-8.84M	-14.99M	-14.9M	-14.87M	-15.74M	-15.75M	-28.64M
Share Repurchases	0	0	0	0	-3.13M	-1.54M	-1.11M	0	0	0
Stock Issued	0	0	0	0	0	0	0	97K	141K	3.24M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	1000K
Other Financing	165.48M	66.81M	69.12M	76.95M	86.94M	393.95M	143.97M	-13.02M	81.69M	-185.93M
Net Change in Cash+	531.07K	-427K	-2.22M	1.01M	-18.13M	144.96M	-151.34M	-27.07M	-5.8M	90.82M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	27.6M	28.15M	27.73M	25.51M	101.88M	83.75M	228.7M	77.36M	50.3M	44.5M
Cash at End	28.13M	27.73M	25.51M	26.52M	83.75M	228.7M	77.36M	50.3M	44.5M	135.31M
Interest Paid	0	0	0	0	21.4M	11.66M	4.33M	7.8M	45.63M	139.31M
Income Taxes Paid	0	0	0	0	100K	1.4M	1.35M	950K	1.57M	1.98M
Free Cash Flow+	18.35M	-1.3M	20.78M	20.7M	23.91M	20.49M	53.87M	37.98M	28.26M	81.23M
FCF Growth %	-	-1.07%	16.99%	-0%	0.16%	-0.14%	1.63%	-0.29%	-0.26%	1.87%

Banking Ratios

Metric	2002	2003	2004	2005	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	17.38%	17.68%	16.74%	16.6%	6.91%	7.18%	9.34%	13.28%	7.72%	6.83%
Return on Assets (ROA)	1.82%	1.83%	1.71%	1.64%	0.79%	0.84%	1.03%	1.23%	0.63%	0.62%
Net Interest Margin	4.22%	4.06%	3.86%	3.72%	3.11%	2.62%	2.67%	2.91%	2.59%	2.89%
Efficiency Ratio	32.68%	35.75%	38.66%	36.41%	64.47%	57.5%	62.77%	57.82%	51.68%	48.48%
Equity / Assets	10.48%	10.22%	10.21%	9.6%	12.34%	11.24%	10.76%	7.68%	8.7%	9.35%
Book Value / Share	14.24	15.1	16.42	17.52	44.19	48.11	48.7	36.62	42.37	48.78
NII Growth	-	4.13%	3.08%	9.22%	67.11%	0.54%	7.68%	7.34%	-9.58%	140.81%
Dividend Payout	32.28%	34.6%	38.8%	39.91%	88.29%	56.25%	41.12%	35.77%	69.39%	80.19%

Revenue by Segment

	2023	2024
Service, Other	6.67M	15.59M
Service, Other Growth	-	133.79%
Debit Card	4.17M	8.87M
Debit Card Growth	-	112.55%
Fiduciary and Trust	5.35M	8.41M
Fiduciary and Trust Growth	-	57.10%
Trust Fees	3.07M	4.92M
Trust Fees Growth	-	60.02%
Advisory Fees	1.87M	2.38M
Advisory Fees Growth	-	27.81%

Frequently Asked Questions

Valuation & Price

Burke & Herbert Bank & Trust Company (BHRB) has a price-to-earnings (P/E) ratio of 27.9x. This suggests investors expect higher future growth.

Growth & Financials

Burke & Herbert Bank & Trust Company (BHRB) grew revenue by 144.6% over the past year. This is strong growth.

Yes, Burke & Herbert Bank & Trust Company (BHRB) is profitable, generating $104.5M in net income for fiscal year 2024 (9.0% net margin).

Dividend & Returns

Yes, Burke & Herbert Bank & Trust Company (BHRB) pays a dividend with a yield of 2.93%. This makes it attractive for income-focused investors.

Burke & Herbert Bank & Trust Company (BHRB) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.

Industry Metrics

Burke & Herbert Bank & Trust Company (BHRB) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

Burke & Herbert Bank & Trust Company (BHRB) has an efficiency ratio of 48.5%. This is excellent, indicating strong cost control.

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Burke & Herbert Bank & Trust Company (BHRB) 10-Year Financial Performance & Capital Metrics

BHRB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $226M +140.8%
Total Revenue $397M +144.6%
Net Income $36M +57.4%
Return on Equity 6.83% -11.4%
Net Interest Margin 2.89% +11.5%
Efficiency Ratio 48.48% -6.2%
ROA 0.62% -1.1%
Equity / Assets 9.35% +7.4%
Book Value per Share 48.78 +15.1%
Tangible BV/Share 42.76 +0.9%
Debt/Equity 0.65 -62.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 16.0%
✓Efficient operations: 48.5% efficiency ratio
✓Healthy dividend yield of 2.9%
✓Trading at only 1.3x book value

✗Weaknesses

✗Shares diluted 100.0% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y25.22%

3Y50.14%

TTM-

Profit (Net Income) CAGR

10Y-

5Y16.03%

3Y-0.42%

TTM4161.91%

EPS CAGR

10Y-

5Y1.99%

3Y-19.7%

TTM1278%

ROCE

10Y Avg16.06%

5Y Avg9.77%

3Y Avg10.23%

Latest6.4%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2002	Dec 2003	Dec 2004	Dec 2005	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	45.55M	47.43M	48.89M	53.4M	89.23M	89.72M	96.6M	103.69M	93.76M	225.78M
NII Growth %	-	0.04%	0.03%	0.09%	0.67%	0.01%	0.08%	0.07%	-0.1%	1.41%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	58.44M	56.39M	56.54M	66.07M	110.69M	101M	100.82M	112.63M	146.9M	366.16M
Interest Expense	12.9M	8.97M	7.65M	12.67M	21.46M	11.28M	4.22M	8.94M	53.14M	140.38M
Loan Loss Provision	250K	145K	125K	700K	7.62M	11.27M	-1M	-7.47M	214K	24.22M
Non-Interest Income+	5.18M	6.16M	6.25M	6.97M	18.23M	19M	16.46M	14.84M	15.39M	30.77M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	63.62M	62.55M	62.78M	73.03M	128.91M	120M	117.28M	127.48M	162.28M	396.93M
Revenue Growth %	-	-0.02%	0%	0.16%	0.77%	-0.07%	-0.02%	0.09%	0.27%	1.45%
Non-Interest Expense	20.79M	22.36M	24.27M	26.59M	83.11M	69.01M	73.62M	73.7M	83.87M	192.44M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	29.68M	31.07M	30.73M	33.07M	16.72M	28.44M	40.44M	52.3M	25.06M	39.9M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.05%	-0.01%	0.08%	-0.49%	0.7%	0.42%	0.29%	-0.52%	0.59%
Pretax Income+	29.68M	31.07M	30.73M	33.07M	16.72M	28.44M	40.44M	52.3M	25.06M	39.9M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	10.05M	10.55M	9.94M	10.91M	-255K	1.94M	4.28M	8.29M	2.37M	4.19M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	19.64M	20.52M	20.8M	22.16M	16.98M	26.5M	36.16M	44.01M	22.69M	35.71M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.05%	0.01%	0.07%	-0.23%	0.56%	0.36%	0.22%	-0.48%	0.57%
Net Income (Continuing)	19.64M	20.52M	20.8M	22.16M	16.98M	26.5M	36.16M	44.01M	22.69M	35.71M
EPS (Diluted)+	2.47	2.60	2.64	2.82	2.12	3.31	4.52	5.89	3.02	2.34
EPS Growth %	-	0.05%	0.02%	0.07%	-0.25%	0.56%	0.37%	0.3%	-0.49%	-0.23%
EPS (Basic)	2.47	2.60	2.64	2.82	2.12	3.31	4.52	5.93	3.05	2.34
Diluted Shares Outstanding	7.93M	7.9M	7.87M	7.86M	8M	8M	8M	7.47M	7.43M	14.97M

Balance Sheet

	Dec 2002	Dec 2003	Dec 2004	Dec 2005	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	28.13M	27.73M	25.51M	26.52M	83.75M	228.7M	77.36M	50.3M	44.5M	135.31M
Short Term Investments	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	953.26M	1.09B	1.19B	1.35B	2.55B	2.97B	3.32B	3.24B	2.57B	5.94B
Investments Growth %	-	0.14%	0.09%	0.14%	0.89%	0.16%	0.12%	-0.02%	-0.21%	1.31%
Long-Term Investments	959.53M	1.09B	1.19B	1.35B	1.86B	1.81B	1.71B	1.87B	2.06B	5.61B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	32.78M
Intangible Assets	0	0	0	0	0	0	0	0	0	57.3M
PP&E (Net)	20.52M	20.43M	22.04M	23.23M	41.19M	40.49M	36.88M	53.17M	61.13M	132.27M
Other Assets	70.16M	28.73M	30.46M	34.34M	178.17M	172.81M	171.96M	206.01M	926.17M	1.48B
Total Current Assets	34.42M	34.48M	31.94M	33.94M	785.61M	1.4B	1.7B	1.44B	566.33M	502.14M
Total Non-Current Assets	1.04B	1.13B	1.23B	1.4B	2.08B	2.02B	1.92B	2.13B	3.05B	7.31B
Total Assets+	1.08B	1.17B	1.27B	1.43B	2.87B	3.42B	3.62B	3.56B	3.62B	7.81B
Asset Growth %	-	0.08%	0.08%	0.13%	1%	0.19%	0.06%	-0.02%	0.02%	1.16%
Return on Assets (ROA)	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	2.32M	2.61M	2.92M	3.78M	43.4M	25.46M	23.7M	25.95M	28.95M	0
Total Debt+	32.2M	47.62M	66.61M	148.91M	150M	450M	550M	686.2M	544M	476.88M
Net Debt	4.07M	19.89M	41.1M	122.4M	66.25M	221.3M	472.64M	635.9M	499.5M	341.57M
Long-Term Debt	0	0	0	0	75M	225M	275M	343.1M	272M	111.89M
Short-Term Debt	32.2M	47.62M	66.61M	148.91M	75M	225M	275M	343.1M	272M	365M
Other Liabilities	-2.32M	-2.61M	-2.92M	-3.78M	-75M	-225M	-275M	-343.1M	-272M	89.9M
Total Current Liabilities	967.7M	1.05B	1.14B	1.3B	2.51B	3.04B	3.23B	3.29B	3.3B	6.88B
Total Non-Current Liabilities	-2.32M	-2.61M	-2.92M	-3.78M	0	0	0	0	0	201.79M
Total Liabilities	965.38M	1.05B	1.14B	1.3B	2.51B	3.04B	3.23B	3.29B	3.3B	7.08B
Total Equity+	112.98M	119.24M	129.26M	137.74M	353.53M	384.88M	389.63M	273.45M	314.75M	730.16M
Equity Growth %	-	0.06%	0.08%	0.07%	1.57%	0.09%	0.01%	-0.3%	0.15%	1.32%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.17%	0.18%	0.17%	0.17%	0.07%	0.07%	0.09%	0.13%	0.08%	0.07%
Book Value per Share	14.24	15.10	16.42	17.52	44.19	48.11	48.70	36.62	42.37	48.78
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.96M	3.94M	3.93M	3.93M	3.74M	4M	4M	4M	4M	7.77M
Additional Paid-in Capital	10M	10M	10M	10M	10.03M	10.18M	10.37M	12.28M	14.49M	401.17M
Retained Earnings	96M	108.07M	119.48M	132.43M	338.33M	374.83M	396.12M	424.39M	427.33M	434.11M
Accumulated OCI	3.02M	-2.77M	-4.15M	-8.62M	1.43M	22.58M	6.96M	-139.5M	-103.49M	-95.72M
Treasury Stock	0	0	0	0	0	-26.71M	-27.82M	-27.73M	-27.58M	-27.58M
Preferred Stock	0	0	0	0	0	0	0	0	0	10.41M

Cash Flow

	Dec 2002	Dec 2003	Dec 2004	Dec 2005	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	19.73M	39.87K	23.68M	23.41M	25.68M	23.19M	54.95M	61.06M	42.51M	86.15M
Operating CF Growth %	-	-1%	592.9%	-0.01%	0.1%	-0.1%	1.37%	0.11%	-0.3%	1.03%
Net Income	19.64M	20.52M	20.8M	22.16M	16.98M	26.5M	36.16M	44.01M	22.69M	35.71M
Depreciation & Amortization	1.66M	1.57M	2.59M	3.42M	3.04M	2.94M	3.21M	3.05M	2.87M	17.41M
Deferred Taxes	-88.45K	-397K	-228K	969.45K	-5.09M	3.22M	5.12M	7.54M	4.14M	3.92M
Other Non-Cash Items	281.27K	-237K	674.61K	-570K	3.24M	4.85M	9.04M	214K	431K	-7.96M
Working Capital Changes	-1.76M	-21.42M	-156K	-2.57M	7.49M	-14.46M	1.14M	4.23M	9.91M	34.19M
Cash from Investing+	-179.14M	-74.22M	-104.61M	-172.45M	132.36M	-405.74M	-384.13M	-127.41M	-43.17M	123.56M
Purchase of Investments	-332.2M	-529.46M	-242.06M	-13.12M	-101.78M	-679.93M	-669.95M	-367.62M	-33.22M	-622.76M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-29.05M	-64.03M	-91.65M	-197.74M	-28.8M	39.01M	91.63M	-146.22M	-185.5M	120.64M
Cash from Financing+	159.94M	73.76M	78.71M	150.05M	-176.17M	527.5M	177.83M	39.29M	-5.14M	-118.54M
Dividends Paid	-6.34M	-7.1M	-8.07M	-8.84M	-14.99M	-14.9M	-14.87M	-15.74M	-15.75M	-28.64M
Share Repurchases	0	0	0	0	-3.13M	-1.54M	-1.11M	0	0	0
Stock Issued	0	0	0	0	0	0	0	97K	141K	3.24M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	1000K
Other Financing	165.48M	66.81M	69.12M	76.95M	86.94M	393.95M	143.97M	-13.02M	81.69M	-185.93M
Net Change in Cash+	531.07K	-427K	-2.22M	1.01M	-18.13M	144.96M	-151.34M	-27.07M	-5.8M	90.82M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	27.6M	28.15M	27.73M	25.51M	101.88M	83.75M	228.7M	77.36M	50.3M	44.5M
Cash at End	28.13M	27.73M	25.51M	26.52M	83.75M	228.7M	77.36M	50.3M	44.5M	135.31M
Interest Paid	0	0	0	0	21.4M	11.66M	4.33M	7.8M	45.63M	139.31M
Income Taxes Paid	0	0	0	0	100K	1.4M	1.35M	950K	1.57M	1.98M
Free Cash Flow+	18.35M	-1.3M	20.78M	20.7M	23.91M	20.49M	53.87M	37.98M	28.26M	81.23M
FCF Growth %	-	-1.07%	16.99%	-0%	0.16%	-0.14%	1.63%	-0.29%	-0.26%	1.87%

Banking Ratios

Metric	2002	2003	2004	2005	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	17.38%	17.68%	16.74%	16.6%	6.91%	7.18%	9.34%	13.28%	7.72%	6.83%
Return on Assets (ROA)	1.82%	1.83%	1.71%	1.64%	0.79%	0.84%	1.03%	1.23%	0.63%	0.62%
Net Interest Margin	4.22%	4.06%	3.86%	3.72%	3.11%	2.62%	2.67%	2.91%	2.59%	2.89%
Efficiency Ratio	32.68%	35.75%	38.66%	36.41%	64.47%	57.5%	62.77%	57.82%	51.68%	48.48%
Equity / Assets	10.48%	10.22%	10.21%	9.6%	12.34%	11.24%	10.76%	7.68%	8.7%	9.35%
Book Value / Share	14.24	15.1	16.42	17.52	44.19	48.11	48.7	36.62	42.37	48.78
NII Growth	-	4.13%	3.08%	9.22%	67.11%	0.54%	7.68%	7.34%	-9.58%	140.81%
Dividend Payout	32.28%	34.6%	38.8%	39.91%	88.29%	56.25%	41.12%	35.77%	69.39%	80.19%

Revenue by Segment

	2023	2024
Service, Other	6.67M	15.59M
Service, Other Growth	-	133.79%
Debit Card	4.17M	8.87M
Debit Card Growth	-	112.55%
Fiduciary and Trust	5.35M	8.41M
Fiduciary and Trust Growth	-	57.10%
Trust Fees	3.07M	4.92M
Trust Fees Growth	-	60.02%
Advisory Fees	1.87M	2.38M
Advisory Fees Growth	-	27.81%

Frequently Asked Questions

Valuation & Price

Burke & Herbert Bank & Trust Company (BHRB) has a price-to-earnings (P/E) ratio of 27.9x. This suggests investors expect higher future growth.

Growth & Financials

Burke & Herbert Bank & Trust Company (BHRB) grew revenue by 144.6% over the past year. This is strong growth.

Yes, Burke & Herbert Bank & Trust Company (BHRB) is profitable, generating $104.5M in net income for fiscal year 2024 (9.0% net margin).

Dividend & Returns

Yes, Burke & Herbert Bank & Trust Company (BHRB) pays a dividend with a yield of 2.93%. This makes it attractive for income-focused investors.

Burke & Herbert Bank & Trust Company (BHRB) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.

Industry Metrics

Burke & Herbert Bank & Trust Company (BHRB) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

Burke & Herbert Bank & Trust Company (BHRB) has an efficiency ratio of 48.5%. This is excellent, indicating strong cost control.