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Upturn AI Summary - About
Burke & Herbert Financial Services Corp.(BHRB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BHRB
10/23/2026: BHRB (2-star) is currently NOT-A-BUY. Pass it for now.
Burke & Herbert Financial Services Corp. is a long-standing regional banking institution based in the Washington, D.C. area that recently transitioned to a public company. The bank maintains a steady, relationship-focused business model, relying on its deep community roots to secure deposits and provide commercial loans. Key growth opportunities lie in expanding its wealth management services and improving digital banking capabilities. However, investors should monitor risks associated with regional geographic concentration, margin pressure from intense industry competition, and the evolving regulatory landscape. The stock is best suited for long-term value-oriented investors seeking exposure to a stable, conservative financial entity with a legacy of community commitment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth regional banking market. |
| Momentum investor | Mixed fit | Momentum potential is conditional on positive regional economic indicators and successful execution of expansion strategies. |
| Value investor | Strong fit | The stock may offer value for those seeking long-term exposure to a stable, legacy community institution. |
| Dividend investor | Strong fit while signal remains positive | The bank's history suggests a commitment to consistent capital returns. |
| Low-risk investor | Strong fit | The bank maintains a conservative risk profile typical of established community financial institutions. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional banking stocks often experience volatility tied to interest rate cycles. |
| Valuation risk | Medium | Pricing is sensitive to earnings performance and regional economic outlook. |
| Competition risk (Banking) | High | Intense competition from larger banks and fintechs threatens market share. |
| Business quality | Medium | Long-term franchise stability is strong, though scale remains limited. |
| Dividend income | Medium | Dividend reliability depends on maintaining stable net interest margins. |
| Execution risk | Medium | Successful growth depends on regional expansion and digital adoption. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -1.07% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.45B USD | Price to earnings Ratio 11.74 | 1Y Target Price 80 |
Price to earnings Ratio 11.74 | 1Y Target Price 80 | ||
Volume (30-day avg) 151.9K shares | Beta 0.22 | 52 Weeks Range 56.11 - 74.52 | Updated Date 10/22/2026 |
52 Weeks Range 56.11 - 74.52 | Updated Date 10/22/2026 | ||
Dividends yield (FY) 3.17% | Basic EPS (TTM) 6.11 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit driver, essentially the difference between the interest they earn from loans and the interest they pay out on accounts. |
| Non-Interest Income | Service charges, trust and wealth management fees, and deposit account fees. | This provides fee-based revenue that helps diversify the bank's earnings beyond just interest rate spreads. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 2.06 | Actual 2.14 |
Profitability
Profit Margin 26.95% | Operating Margin (TTM) 19.3% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 9.79% |
Valuation
Trailing PE 11.74 | Forward PE - | Enterprise Value 2.00B | Price to Sales(TTM) 4.02 |
Enterprise Value 2.00B | Price to Sales(TTM) 4.02 | ||
Enterprise Value to Revenue 5.83 | Enterprise Value to EBITDA - | Shares Outstanding 20.19M | Shares Floating 17.29M |
Shares Outstanding 20.19M | Shares Floating 17.29M | ||
Percent Insiders 15.05 | Percent Institutions 45.52 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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