Last 16 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Burke & Herbert Financial Services Corp.'s quarterly P/E stands at 7.8x, down 35.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 22.9% YoY to 9.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.66 | 7.79 | 7.83 | 7.58 | 7.79 | 11.99 | 8.38 | — | 20.30 | 23.47 | 21.12 | 20.06 | 18.38 |
| — | -35.1% | -6.6% | — | -61.6% | -48.9% | -60.3% | — | +10.5% | +158.9% | +120.4% | +106.1% | +50.3% | |
| P/S Ratio | 2.05 | 1.91 | 1.92 | 1.82 | 1.76 | 1.91 | 1.80 | 1.48 | 2.48 | 2.82 | 2.12 | 2.92 | 3.62 |
| — | -0.4% | +6.6% | +22.6% | -29.1% | -32.2% | -15.2% | -49.3% | -31.3% | -14.3% | -33.4% | -10.4% | -8.0% | |
| P/B Ratio | 1.18 | 1.10 | 1.13 | 1.15 | 1.11 | 1.28 | 1.24 | 0.89 | 1.32 | 1.51 | 1.29 | 1.66 | 1.90 |
| — | -14.7% | -8.8% | +28.6% | -15.8% | -15.2% | -3.4% | -46.2% | -30.6% | -14.5% | -23.0% | +19.6% | +41.2% | |
| P/FCF | 10.48 | 8.27 | 6.58 | — | 5.88 | 3.06 | 11.79 | — | 18.88 | 51.39 | 11.70 | 11.78 | 16.70 |
| — | +170.1% | -44.2% | — | -68.9% | -94.0% | +0.8% | — | +13.0% | +379.4% | — | +87.7% | +111.0% | |
| EV / EBITDA | 10.29 | 9.36 | 7.86 | 7.80 | 7.13 | 12.15 | 6.77 | — | 40.52 | 38.13 | 43.36 | 21.62 | 21.51 |
| — | -22.9% | +16.1% | — | -82.4% | -68.1% | -84.4% | — | +88.4% | +122.7% | +265.4% | +57.7% | +51.7% | |
| EV / EBIT | 10.29 | 9.36 | 9.03 | 8.99 | 8.43 | 15.79 | 8.04 | — | 46.17 | 43.75 | 50.03 | 23.73 | 23.32 |
| — | -40.7% | +12.3% | — | -81.7% | -63.9% | -83.9% | — | +98.0% | +143.2% | +299.6% | +63.2% | +53.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Burke & Herbert Financial Services Corp.'s operating margin was 30.9% in Q4 2025, up 0.5 pp QoQ and up 14.3 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 29.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 8.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.3% | 70.4% | 69.0% | 69.0% | 68.0% | 65.0% | 64.3% | 42.3% | 62.4% | 64.2% | 64.4% | 67.2% | 73.6% |
| — | +8.4% | +7.3% | +63.0% | +8.9% | +1.2% | -0.2% | -37.0% | -15.1% | -26.3% | -35.2% | -36.2% | -30.9% | |
| Operating Margin | 29.5% | 30.9% | 30.4% | 30.1% | 27.4% | 16.5% | 25.7% | -18.3% | 13.9% | 13.2% | 11.0% | 16.6% | 21.3% |
| — | +86.7% | +18.2% | +265.1% | +97.8% | +25.2% | +134.0% | -209.9% | -34.8% | -68.8% | -72.4% | -58.1% | -45.4% | |
| Net Margin | 23.9% | 24.6% | 24.6% | 24.2% | 22.7% | 16.2% | 21.7% | -16.2% | 12.3% | 12.0% | 9.9% | 14.6% | 19.7% |
| — | +52.5% | +13.7% | +249.6% | +85.1% | +34.4% | +119.5% | -210.7% | -37.8% | -66.9% | -70.3% | -56.3% | -38.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.8% | 3.6% | 3.7% | 3.9% | 3.7% | 2.7% | 3.9% | -3.3% | 1.6% | 1.7% | 1.4% | 2.1% | 2.7% |
| — | +33.8% | -3.1% | +216.3% | +122.4% | +55.5% | +166.9% | -260.6% | -38.5% | -65.6% | -64.5% | -37.7% | -3.1% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | -0.3% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% |
| — | +51.6% | +6.7% | +227.9% | +143.9% | +79.1% | +210.8% | -276.4% | -31.5% | -62.7% | -63.9% | -42.8% | -19.0% | |
| ROIC | 8.4% | 2.1% | 1.9% | 2.1% | 2.1% | 1.3% | 2.2% | -1.3% | 0.5% | 0.5% | 0.5% | 0.9% | 0.8% |
| — | +61.7% | -12.4% | +252.6% | +345.0% | +164.1% | +353.1% | -250.5% | -39.9% | -69.8% | -73.6% | -43.9% | -48.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Burke & Herbert Financial Services Corp.'s Debt/EBITDA ratio is 14.2x, up from 12.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 5091.1% YoY to 3.79x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.63 | 0.63 | 0.65 | 0.98 | 0.55 | 0.65 | 0.58 | 0.57 | 2.25 | 1.73 | 2.21 | 0.86 | 1.11 |
| — | -3.7% | +11.7% | +72.4% | -75.8% | -62.2% | -73.6% | -33.7% | +103.1% | -31.1% | +132.1% | -19.4% | +63.3% | |
| Debt / EBITDA | 3.71 | 14.17 | 12.62 | 17.84 | 10.64 | 18.11 | 11.05 | — | 107.30 | 85.00 | 114.65 | 33.09 | 36.59 |
| — | -21.7% | +14.2% | — | -90.1% | -78.7% | -90.4% | — | +193.3% | +102.7% | +565.9% | +39.2% | +92.5% | |
| Current Ratio | 3.79 | 3.79 | 0.10 | 0.27 | 0.24 | 0.07 | 0.25 | 0.24 | 0.40 | 0.17 | 0.39 | 0.44 | 0.49 |
| — | +5091.1% | -61.9% | +11.6% | -41.1% | -57.4% | -34.2% | -46.1% | -17.8% | -60.8% | — | — | — | |
| Quick Ratio | 3.79 | 3.79 | 0.10 | 0.27 | 0.24 | 0.07 | 0.25 | 0.24 | 0.40 | 0.17 | 0.39 | 0.44 | 0.49 |
| — | +5091.1% | -61.9% | +11.6% | -41.1% | -57.4% | -34.2% | -46.1% | -17.8% | -60.8% | — | — | — | |
| Interest Coverage | 0.97 | 1.05 | 0.99 | 0.99 | 0.87 | 0.48 | 0.72 | -0.52 | 0.35 | 0.35 | 0.31 | 0.51 | 0.85 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 16 years · Updated daily
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Burke & Herbert Financial Services Corp.'s current P/E is 8.7x. The average P/E over the last 4 quarters is 7.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Burke & Herbert Financial Services Corp.'s current operating margin is 29.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Burke & Herbert Financial Services Corp.'s business trajectory between earnings reports.