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Burke & Herbert Financial Services Corp. Common Stock (BHRB)

Upturn stock ratingUpturn stock rating
$59.73
Last Close (24-hour delay)
Profit since last BUY2.17%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/30/2025: BHRB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $69.5

1 Year Target Price $69.5

Analysts Price Target For last 52 week
$69.5Target price
Low$45.66
Current$59.73
high$73.37

Analysis of Past Performance

Type Stock
Historic Profit -4.59%
Avg. Invested days 31
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 895.37M USD
Price to earnings Ratio 15.18
1Y Target Price 69.5
Price to earnings Ratio 15.18
1Y Target Price 69.5
Volume (30-day avg) 2
Beta 0.17
52 Weeks Range 45.66 - 73.37
Updated Date 06/29/2025
52 Weeks Range 45.66 - 73.37
Updated Date 06/29/2025
Dividends yield (FY) 3.69%
Basic EPS (TTM) 3.93

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 19.99%
Operating Margin (TTM) 40.02%

Management Effectiveness

Return on Assets (TTM) 1%
Return on Equity (TTM) 10.71%

Valuation

Trailing PE 15.18
Forward PE -
Enterprise Value 1186457344
Price to Sales(TTM) 3.1
Enterprise Value 1186457344
Price to Sales(TTM) 3.1
Enterprise Value to Revenue 4.22
Enterprise Value to EBITDA -
Shares Outstanding 15005400
Shares Floating 12980888
Shares Outstanding 15005400
Shares Floating 12980888
Percent Insiders 11.18
Percent Institutions 35.7

Analyst Ratings

Rating 2
Target Price 69.5
Buy 1
Strong Buy 1
Buy 1
Strong Buy 1
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Burke & Herbert Financial Services Corp. Common Stock

stock logo

Company Overview

overview logo History and Background

Burke & Herbert Financial Services Corp. is the oldest bank in the Commonwealth of Virginia, founded in 1852. It has evolved from a local Alexandria bank to a regional financial services provider, maintaining a community-focused approach.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of banking services to businesses, including loans, deposit accounts, and cash management.
  • Retail Banking: Offers banking products and services to individuals, such as checking and savings accounts, mortgages, and personal loans.
  • Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.

leadership logo Leadership and Structure

The company is led by a board of directors and an executive management team. It operates through a network of branches primarily in Northern Virginia.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is not publicly available. Competitors include larger national and regional banks.
  • Mortgages: Residential mortgages for home purchase and refinancing. Market share data is not publicly available. Competitors include mortgage lenders and other banks.
  • Wealth Management Services: Investment management, trust administration, and financial planning. Market share data is not publicly available. Competitors include large brokerages and wealth management firms.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly competitive and subject to regulatory changes. It is influenced by interest rates, economic conditions, and technological advancements.

Positioning

Burke & Herbert is a community-focused bank with a long history and strong local presence, differentiating it from larger national banks. It positions itself on customer service.

Total Addressable Market (TAM)

The TAM includes all banking and wealth management services in Northern Virginia. Burke & Herbert focuses on capturing market share within this region, emphasizing personalized service.

Upturn SWOT Analysis

Strengths

  • Long History and Established Reputation
  • Strong Local Presence in Northern Virginia
  • High-Quality Customer Service
  • Conservative Lending Practices
  • Strong Capital Base

Weaknesses

  • Limited Geographic Diversification
  • Smaller Scale Compared to National Banks
  • Dependence on Net Interest Income
  • Limited Resources for Technological Innovation
  • Lower Brand Awareness outside Northern Virginia

Opportunities

  • Expansion into Adjacent Markets
  • Increased Focus on Digital Banking
  • Growth in Wealth Management Services
  • Strategic Acquisitions
  • Partnerships with Fintech Companies

Threats

  • Increased Competition from Larger Banks
  • Rising Interest Rates
  • Economic Downturn
  • Regulatory Changes
  • Cybersecurity Risks

Competitors and Market Share

competitor logo Key Competitors

  • Bank of America (BAC)
  • Wells Fargo (WFC)
  • Truist Financial (TFC)

Competitive Landscape

Burke & Herbert competes with larger national banks and smaller regional banks. Its advantage lies in its local knowledge and customer service. Its disadvantage is its smaller size and limited resources.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends are difficult to ascertain without public financial statements.

Future Projections: Future growth projections are unavailable without analyst coverage.

Recent Initiatives: Recent initiatives are not widely publicized due to the company's private nature.

Summary

Burke & Herbert Financial Services Corp. is a well-established community bank with a strong reputation in Northern Virginia. Its strengths lie in its local presence and customer service, but it faces challenges from larger competitors and the need to adapt to technological changes. The company's long history provides a stable foundation, but future growth will depend on its ability to innovate and expand its services.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • Industry Reports
  • Limited Public Information

Disclaimers:

Financial data and market share estimates are based on limited public information and may not be precise. Analysis is for informational purposes only and should not be considered investment advice.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Burke & Herbert Financial Services Corp. Common Stock

Exchange NASDAQ
Headquaters Alexandria, VA, United States
IPO Launch date 2001-03-15
Chair & CEO Mr. David P. Boyle CPA
Sector Financial Services
Industry Banks - Regional
Full time employees 814
Full time employees 814

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 Virginia and Maryland. The company offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal (NOW), 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 (ACH), 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.