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BHRB 
Burke & Herbert Financial Services Corp. Common Stock (BHRB)
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Upturn Advisory Summary
11/04/2025: BHRB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $72
1 Year Target Price $72
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.31% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 890.44M USD | Price to earnings Ratio 8.18 | 1Y Target Price 72 |
Price to earnings Ratio 8.18 | 1Y Target Price 72 | ||
Volume (30-day avg) 2 | Beta 0.24 | 52 Weeks Range 46.68 - 72.71 | Updated Date 11/3/2025 |
52 Weeks Range 46.68 - 72.71 | Updated Date 11/3/2025 | ||
Dividends yield (FY) 3.74% | Basic EPS (TTM) 7.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 1.82 | Actual 1.97 |
Profitability
Profit Margin 32.28% | Operating Margin (TTM) 47.81% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 13.7% |
Valuation
Trailing PE 8.18 | Forward PE - | Enterprise Value 1299388928 | Price to Sales(TTM) 2.69 |
Enterprise Value 1299388928 | Price to Sales(TTM) 2.69 | ||
Enterprise Value to Revenue 5.06 | Enterprise Value to EBITDA - | Shares Outstanding 15028524 | Shares Floating 12998471 |
Shares Outstanding 15028524 | Shares Floating 12998471 | ||
Percent Insiders 11.13 | Percent Institutions 37.44 |
Upturn AI SWOT
Burke & Herbert Financial Services Corp. Common Stock
Company Overview
History and Background
Burke & Herbert Bank & Trust Company, founded in 1852 in Alexandria, Virginia, is the oldest bank in the Commonwealth of Virginia and the oldest continuously operating bank in the Washington, D.C. Metropolitan area. It has remained independent and focused on serving the financial needs of its local communities for over 170 years.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including loans, deposit accounts, and cash management solutions.
- Retail Banking: Offers banking products and services to individuals, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The bank is led by a board of directors and an executive management team. Its structure reflects its community-focused approach, with emphasis on local market knowledge and customer relationships.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is difficult to pinpoint exactly due to the localized nature of the bank's operations. Competitors include larger regional and national banks, as well as other community banks. Revenue derived from commercial loans form a significant part of net interest income, but this data is unavailable at the micro level.
- Mortgages: Residential mortgages for homebuyers. Market share data is difficult to pinpoint exactly due to the localized nature of the bank's operations. Competitors include larger regional and national banks, as well as other community banks and mortgage companies. Revenue derived from Mortgages form a significant part of net interest income, but this data is unavailable at the micro level.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share data is difficult to pinpoint exactly due to the localized nature of the bank's operations. Competitors include larger regional and national banks, as well as other community banks. These generate income via net interest margin, but this data is unavailable at the micro level.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increasing regulatory scrutiny, and competition from fintech companies. Community banks are focusing on relationship banking and local market expertise to maintain their competitive edge.
Positioning
Burke & Herbert is positioned as a relationship-focused community bank with a long history and strong local presence. Its competitive advantage lies in its personalized service and deep understanding of its customers' needs.
Total Addressable Market (TAM)
The total addressable market for banking services in the Washington, D.C. Metropolitan area is substantial, encompassing individuals, businesses, and organizations. While exact figures for TAM are unavailable, Burke & Herbert aims to retain its existing customer base and expand through organic growth and strategic initiatives.
Upturn SWOT Analysis
Strengths
- Long history and strong reputation
- Deep local market knowledge
- Relationship-focused banking model
- Strong capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Less diversified revenue streams
- Potentially slower adoption of new technologies
Opportunities
- Expansion into new markets within the Washington, D.C. Metropolitan area
- Increased adoption of digital banking services
- Growth in wealth management business
- Opportunity to acquire smaller banks or credit unions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand and credit quality
- Rising interest rates impacting net interest margin
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Capital One (COF)
- Truist Financial Corporation (TFC)
Competitive Landscape
Burke & Herbert faces intense competition from larger national and regional banks with greater resources and wider product offerings. Its advantage lies in its local focus and personalized service, which can differentiate it from larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are difficult to determine due to limited public reporting.
Future Projections: Future growth projections are not readily available due to limited public reporting.
Recent Initiatives: Recent initiatives are not available due to a lack of public reporting.
Summary
Burke & Herbert Financial Services Corp. is a community-focused bank with a long history but faces competition from larger banks and fintech companies. Its strengths lie in its local presence and relationship-based model, but its limited geographic reach and potentially slower technology adoption could pose challenges. More data is needed for a better conclusion. The bank should focus on increasing revenue streams and tech adoption to compete with its competitors.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- FDIC Data
- Industry Reports
Disclaimers:
The data provided is based on available public information and may not be entirely comprehensive. Market share estimates are approximate and subject to change. This analysis is for informational purposes only and should not be considered financial advice.
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 815 | |
Full time employees 815 | |||
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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