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Upturn AI SWOT - About
BHRB 
Burke & Herbert Financial Services Corp. Common Stock (BHRB)
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Upturn Advisory Summary
06/18/2025: BHRB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -10.13% | Avg. Invested days 30 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 844.20M USD | Price to earnings Ratio 14.28 | 1Y Target Price 69.5 |
Price to earnings Ratio 14.28 | 1Y Target Price 69.5 | ||
Volume (30-day avg) 38988 | Beta 0.17 | 52 Weeks Range 45.66 - 73.37 | Updated Date 06/18/2025 |
52 Weeks Range 45.66 - 73.37 | Updated Date 06/18/2025 | ||
Dividends yield (FY) 3.92% | Basic EPS (TTM) 3.94 |
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 14.28 | Forward PE - | Enterprise Value 1135288832 | Price to Sales(TTM) 2.92 |
Enterprise Value 1135288832 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 4.05 | 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 4.5 | Target Price 69.5 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Burke & Herbert Financial Services Corp. Common Stock
Company Overview
History and Background
Burke & Herbert Bank & Trust Company is the oldest bank in the Commonwealth of Virginia and the oldest continuously operating bank in the Washington, D.C. metropolitan area. Founded in 1852 in Alexandria, Virginia, it has a long history of serving the local community through various economic cycles.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, deposit accounts, and treasury management solutions to businesses of all sizes.
- Retail Banking: Provides personal banking services to individuals, including checking and savings accounts, mortgages, personal loans, and investment services.
- Wealth Management: Offers wealth management services to high-net-worth individuals and families, including financial planning, investment management, and trust services.
Leadership and Structure
The company is led by a board of directors and an executive management team. Specific names and titles can be found on their investor relations page.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and commercial real estate loans to businesses. Market share data is difficult to obtain precisely, but it competes with larger national and regional banks like Bank of America, Truist, and Capital One in the Northern Virginia region. Revenue data is not publicly available but is a large portion of total revenue.
- Mortgage Loans: Offers a variety of mortgage products for home purchase and refinancing. The market share for this product will vary widely depending on location and market. Competitors include Rocket Mortgage, Wells Fargo and local banks.
- Wealth Management Services: Provides financial planning, investment management, and trust services to high-net-worth individuals. The market share is not specific, and is difficult to gauge as services range widely. Competitors include Fidelity, Schwab, and regional wealth management firms. Revenue is significant within their overall revenue profile.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The economy also plays a role.
Positioning
Burke & Herbert positions itself as a community bank with a long history and a focus on personal relationships. Its competitive advantages include its local market knowledge, strong customer relationships, and reputation for stability.
Total Addressable Market (TAM)
TAM is difficult to ascertain precisely, but the Northern Virginia and Washington D.C. metropolitan area represents a substantial market for financial services. Burke & Herbert targets a specific segment of this market focusing on personal banking, commercial clients and trust management.
Upturn SWOT Analysis
Strengths
- Long-standing history and reputation
- Strong local market knowledge
- Personalized customer service
- Stable financial performance
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Potential lack of technological innovation
- Higher efficiency ratio than some larger competitors
Opportunities
- Expanding digital banking services
- Acquiring smaller banks or branches
- Increasing market share in wealth management
- Benefiting from local economic growth
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturns
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- BAC
- WFC
- C
- USB
- TFC
Competitive Landscape
Burke & Herbert faces intense competition from larger national banks and smaller regional banks. It must differentiate itself through personalized service and community involvement.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns will be presented in their filings. Look to the investor page.
Future Projections: Analyst estimates of future growth are not publicly available due to the stock's small market capitalization and limited analyst coverage.
Recent Initiatives: Can be found on their press release page.
Summary
Burke & Herbert is a long-standing community bank with a strong reputation and local market knowledge, but with a smaller size and limited geographic reach that create limitations. The company faces intense competition, rising interest rates and economic downturns. Expanding digital banking and growing wealth management can help move the company forward, alongside community involvement and personalized service that can help differentiate the company, but it will need to innovate with the ever growing and changing tech landscape. Overall, the company has a solid base but needs to adapt and innovate to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Burke & Herbert Financial Services Corp. Investor Relations
- Market data and analyst reports (where available)
- Industry reports and publications
- Company filings
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share data is estimated and may not be precise. All information is assumed correct, and may be inaccurate or outdated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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.
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