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BHRBBurke & Herbert Financial Services Corp.$67.08$1.0B
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BHRB logoBurke & Herbert Financial Services Corp.(BHRB)Earnings, Financials & Key Ratios

BHRB•NASDAQ•Banking & Credit
8.7× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
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$296M+31.1%
  • Total Revenue$491M+23.7%
  • Net Income$117M+228.5%
  • Return on Equity14.81%+116.6%
  • Net Interest Margin3.74%+29.3%
  • Efficiency Ratio39.82%-17.9%
  • ROA1.49%+138.7%
  • Equity / Assets10.79%+15.4%
  • Book Value per Share56.87+16.6%
  • Tangible BV/Share51.82+21.2%
  • Debt/Equity0.63-3.7%

BHRB Key Insights

Burke & Herbert Financial Services Corp. (BHRB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 34.7%
  • ✓Strong NIM of 3.7%
  • ✓Efficient operations: 39.8% efficiency ratio
  • ✓Well capitalized: 10.8% equity/assets
  • ✓Healthy dividend yield of 3.4%
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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BHRB Price & Volume

Burke & Herbert Financial Services Corp. (BHRB) stock price & volume — 10-year historical chart

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BHRB Growth Metrics

Burke & Herbert Financial Services Corp. (BHRB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years22.68%
5 Years32.25%
3 Years56.77%
TTM-

Profit CAGR

10 Years19.57%
5 Years34.66%
3 Years38.65%
TTM228.54%

EPS CAGR

10 Years12.11%
5 Years18.55%
3 Years9.58%
TTM222.5%

Return on Capital

10 Years13.51%
5 Years8.92%
3 Years6.12%
Last Year3.45%

BHRB Recent Earnings

Burke & Herbert Financial Services Corp. (BHRB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 24, 2026
EPS
$1.87
Est $1.87
+0.0%
Revenue
$85M
Est $87M
-2.1%
Q2 2026
Apr 23, 2026
EPS
$1.87
Est $1.87
+0.0%
Revenue
$85M
Est $87M
-2.1%
Q1 2026
Jan 23, 2026
EPS
$1.77
Est $1.87
-5.3%
Revenue
$123M
Est $81M
+52.1%
Q1 2026
Jan 22, 2026
EPS
$1.98
Est $1.91
+3.7%
Revenue
$87M
Est $87M
-0.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 24, 2026
$1.87vs $1.87+0.0%
$85Mvs $87M-2.1%
Q2 2026Apr 23, 2026
$1.87vs $1.87+0.0%
$85Mvs $87M-2.1%
Q1 2026Jan 23, 2026
$1.77vs $1.87-5.3%
$123Mvs $81M+52.1%
Q1 2026Jan 22, 2026
$1.98vs $1.91+3.7%
$87Mvs $87M-0.1%
Based on last 12 quarters of dataView full earnings history →

BHRB Peer Comparison

Burke & Herbert Financial Services Corp. (BHRB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
FXNC logoFXNCFirst National CorporationDirect Competitor272.95M30.1915.4027.11%15.35%9.98%0.23
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor206.63M21.4614.70-9.41%16.01%7.81%0.28
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor183.64M24.9314.16-1.44%11.53%7.26%0.32
NKSH logoNKSHNational Bankshares, Inc.Direct Competitor231.36M36.3314.597.88%18.57%9.04%0.01
CARE logoCARECarter Bankshares, Inc.Product Competitor662.03M29.8821.346.24%12.46%7.65%0.43
FIS logoFISFidelity National Information Services, Inc.Supply Chain20.26B39.2052.275.43%22.91%18.45%0.29
JKHY logoJKHYJack Henry & Associates, Inc.Supply Chain9.28B128.2320.557.21%20.64%24.03%

Compare BHRB vs Peers

Burke & Herbert Financial Services Corp. (BHRB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for BHRB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BHRB against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FXNC, CZWI, MNSB

BHRB Income Statement

Burke & Herbert Financial Services Corp. (BHRB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'04Dec'05Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
48.89M53.4M89.23M89.72M96.6M103.69M93.76M225.78M295.91M
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
56.54M66.07M110.69M101M100.82M112.63M146.9M366.16M444.99M
Interest Expense
7.65M12.67M21.46M11.28M4.22M8.94M53.14M140.38M149.08M
Loan Loss Provision
125K700K6.24M12.65M-1M-7.47M214K24.22M1.52M
Non-Interest Income
6.25M6.97M16.85M20.38M18.31M14.84M15.39M30.77M46.12M
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
24.27M26.59M83.11M69.01M75.48M73.7M83.87M192.44M195.56M
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
9.94M10.91M-255K1.94M4.28M8.29M2.37M4.19M27.63M
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)
20.8M22.16M16.98M26.5M36.16M44.01M22.69M35.71M117.32M
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)
2.642.822.123.314.525.933.052.347.75
Diluted Shares Outstanding
7.87M7.86M8M8M8M7.47M7.43M14.97M15.03M

BHRB Balance Sheet

Burke & Herbert Financial Services Corp. (BHRB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'04Dec'05Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
25.51M26.52M777.5M1.39B1.68B1.42B550.44M467.69M1.67B
Cash & Due from Banks
25.51M26.52M83.75M228.7M77.36M50.3M44.5M135.31M53.5M
Short Term Investments
00693.75M1.16B1.61B1.37B505.94M332.37M1.62B
Total Investments
1.19B1.35B2.55B2.97B3.32B3.24B2.57B5.94B1.62B
Investments Growth %
8.97%13.55%-16.22%11.83%-2.48%-20.63%131.1%-72.79%
Long-Term Investments
1.19B1.35B1.86B1.81B1.71B1.87B2.06B5.61B0
Accounts Receivables
6.43M7.42M8.11M13.78M15.25M15.48M15.89M34.45M35.44M
Goodwill & Intangibles
000000090.08M75.9M
Goodwill
000000032.78M34.15M
Intangible Assets
000000057.3M41.75M
PP&E (Net)
22.04M23.23M41.19M40.49M36.88M53.17M61.13M132.27M136.81M
Other Assets
30.46M34.34M178.17M172.81M171.96M206.01M926.17M1.48B0
Total Current Assets
31.94M33.94M785.61M1.4B1.7B1.44B566.33M502.14M1.7B
Total Non-Current Assets
1.23B1.4B2.08B2.02B1.92B2.13B3.05B7.31B212.71M
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
2.92M3.78M43.4M25.46M23.7M25.95M28.95M00
Total Debt
66.61M148.91M150M450M550M686.2M544M476.88M537.49M
Net Debt
41.1M122.4M66.25M221.3M472.64M635.9M499.5M341.57M483.99M
Long-Term Debt
0075M225M275M343.1M272M111.89M87.49M
Short-Term Debt
66.61M148.91M75M225M275M343.1M272M365M450M
Other Liabilities
-2.92M-3.78M-75M-225M-275M-343.1M-272M89.9M6.53B
Total Current Liabilities
1.14B1.3B2.51B3.04B3.23B3.29B3.3B6.88B450M
Total Non-Current Liabilities
-2.92M-3.78M00000201.79M6.62B
Total Liabilities
1.14B1.3B2.51B3.04B3.23B3.29B3.3B7.08B7.07B
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
16.4217.5244.1948.1148.7036.6242.3748.7856.87
Tangible BV per Share
16.4217.5244.1948.1148.7036.6242.3742.7651.82
Common Stock
3.93M3.93M3.74M4M4M4M4M7.77M7.8M
Additional Paid-in Capital
10M10M10.03M10.18M10.37M12.28M14.49M401.17M405.92M
Retained Earnings
119.48M132.43M338.33M374.83M396.12M424.39M427.33M434.11M517.06M
Accumulated OCI
-4.15M-8.62M1.43M22.58M6.96M-139.5M-103.49M-95.72M-58.96M
Treasury Stock
000-26.71M-27.82M-27.73M-27.58M-27.58M-27.58M
Preferred Stock
000000010.41M10.41M

BHRB Cash Flow Statement

Burke & Herbert Financial Services Corp. (BHRB) cash flow — operating, investing & free cash flow history

MetricDec'04Dec'05Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
23.68M23.41M25.68M23.19M54.95M61.06M42.51M86.15M107.93M
Operating CF Growth %
59289.58%-1.16%--9.71%136.96%11.11%-30.38%102.66%25.29%
Net Income
20.8M22.16M16.98M26.5M36.16M44.01M22.69M35.71M117.31M
Depreciation & Amortization
2.59M3.42M3.04M2.94M3.21M3.05M2.87M17.41M22.72M
Deferred Taxes
-228K969.45K-5.09M3.22M5.12M7.54M4.14M3.92M20.26M
Other Non-Cash Items
674.61K-570K3.24M4.85M9.04M214K431K-7.96M-34.86M
Working Capital Changes
-156K-2.57M7.49M-14.46M1.14M4.23M9.91M34.19M-22.27M
Cash from Investing
-104.61M-172.45M132.36M-405.74M-384.13M-127.41M-43.17M123.56M136.72M
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
1000K1000K264.72M237.89M195.28M409.5M189.81M630.25M231.67M
Net Investment Activity
-241.07M-12.12M162.93M-442.05M-474.67M41.89M156.58M7.49M-143.25M
Acquisitions
000000000
Other Investing
-91.65M-197.74M-28.8M39.01M91.63M-146.22M-185.5M120.64M291.67M
Cash from Financing
78.71M150.05M-176.17M527.5M177.83M39.29M-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
00-3.13M-1.54M-1.11M0000
Stock Issued
0000097K141K3.24M30K
Net Stock Activity
00-3.13M-1.54M-1.11M97K141K3.24M30K
Debt Issuance (Net)
1000K1000K-1000K1000K1000K1000K-1000K1000K1000K
Other Financing
69.12M76.95M86.94M393.95M143.97M-13.02M81.69M-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
000000000
Cash at Beginning
27.73M25.51M101.88M83.75M228.7M77.36M50.3M44.5M135.31M
Cash at End
25.51M26.52M83.75M228.7M77.36M50.3M44.5M135.31M289.13M
Interest Paid
0021.4M11.66M4.33M7.8M45.63M139.31M147.6M
Income Taxes Paid
00100K1.4M1.35M950K1.57M1.98M0
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%

BHRB Banking Ratios

Burke & Herbert Financial Services Corp. (BHRB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2003200420052019202020212022202320242025
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 Margin4.06%3.86%3.72%3.11%2.62%2.67%2.91%2.59%2.89%3.74%
Efficiency Ratio35.75%38.66%36.41%65.17%56.85%63.35%57.82%51.68%48.48%39.82%
Equity / Assets10.22%10.21%9.6%12.34%11.24%10.76%7.68%8.7%9.35%10.79%
Book Value / Share15.116.4217.5244.1948.1148.736.6242.3748.7856.87
NII Growth4.13%3.08%9.22%-0.54%7.68%7.34%-9.58%140.81%31.06%
Dividend Payout34.6%38.8%39.91%88.29%56.25%41.12%35.77%69.39%80.19%28.91%
Related:BHRB Dividend History·BHRB Revenue History·BHRB Price History·BHRB P/E History·BHRB Financial Ratios·BHRB Institutional Holders

BHRB SEC Filings & Documents

Burke & Herbert Financial Services Corp. (BHRB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 13, 2026·SEC

Material company update

Mar 25, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 17, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

BHRB Frequently Asked Questions

Burke & Herbert Financial Services Corp. (BHRB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in BHRB back in 2002?

Total return calculator · dividends reinvested · 24+ years of data

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