Burke & Herbert Financial Servi (BHRB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Burke & Herbert Financial Servi

NasdaqCM•Financial Services•Banks - Regional

$72.35-0.13(<0.01%)Market closed

Market Cap

$1.30B

P/E

13.4x

P/S

2.5x

P/B

1.1x

Burke & Herbert Financial Services Corp. operates as the bank holding company for Burke & Herbert Bank & Trust Company that provides various community banking products and services in the United States. The company offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal, money market, and savings accounts; and certificates of deposit. It also provides loans comprising commercial real estate, single family residential, owner-occupied commercial real estate, commercial and industrial, residential mortgage, and consumer non-real estate and other loans, as well as acquisition, construction, and development loans. In addition, it offers cash management services; online and mobile banking; and wealth and trust services. Further, the company provides business solutions, including small business and commercial checking and savings options; investment services; and treasury management solutions consist of a suite of digital banking, payables, receivables, and risk management, as well as automated cash flow comprising enhanced reporting, automated clearing house, wires, remote deposit capture, bill pay, lockbox, credit and debit cards, merchant services, fraud protection, and deposit and loan sweeps. Burke & Herbert Financial Services Corp. was founded in 1852 and is headquartered in Alexandria, Virginia.

How this company scores

WeakMetricSide Score: 52/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Balance Sheet & Red Flags (18/25); weakest: Growth (10/25).

Profitability12/25

Growth10/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality12/25

Strengths

Strong marginsLow leverageImproving leverageConsistent growth

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.4x5y range 7.9x – 43.4x

Currently near its 10-quarter median.

P/S · 2.5x5y range 1.8x – 3.4x

Currently above its 11-quarter median.

P/B · 1.1x5y range 1.1x – 1.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Share Dilution

Red Flag

Shares outstanding increased 23.2% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.30B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $514.70M
Q. Revenue: $150.84M
TTM EBITDA: $136.80M
TTM Op. Income: $120.22M
Q. Op. Income: $12.01M
TTM Net Income: $97.04M
Q. Net Income: $9.48M
EPS: $0.5
Shares Out.: $18.42M

$514.70M in TTM revenue grew 3.1% YoY, reaching $150.84M last quarter. TTM EBITDA of $136.80M and TTM operating income of $120.22M show growth is flowing through to the bottom line. TTM net income of $97.04M means revenue is converting into profit. Over the past year, TTM revenue is up 3% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.9%
EBITDA Margin: 11.6%
Op. Margin: 8.0%
Net Margin: 6.3%

Op. margin of 8.0% is down 21.8% YoY — costs are rising relative to revenue. Net margin at 6.3% and gross margin of 70.9% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.4x
P/S Ratio: 2.5x
P/B Ratio: 1.1x

At 13.4x P/E, the stock trades below typical market levels. P/S of 2.5x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 56% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $10.99B
Cash: $167.15M
Long-Term Debt: $152.18M
Book Value: $1.20B
D/E Ratio: 0.1
Debt/EBITDA: 8.7

With $10.99B in assets and $152.18M in long-term debt, D/E is 0.1and book value is $1.20B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $313,000
TTM Free Cash Flow: $86.49M
FCF Margin: 16.8%
FCF / Net Income: 0.9

TTM FCF of $86.49M on $313,000 in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 33% — an improving trend.