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BHRB 
Burke & Herbert Financial Services Corp. Common Stock (BHRB)
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Upturn Advisory Summary
12/09/2025: 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.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $72.33
1 Year Target Price $72.33
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.54% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.01B USD | Price to earnings Ratio 9.31 | 1Y Target Price 72.33 |
Price to earnings Ratio 9.31 | 1Y Target Price 72.33 | ||
Volume (30-day avg) 2 | Beta 0.25 | 52 Weeks Range 46.27 - 69.24 | Updated Date 12/9/2025 |
52 Weeks Range 46.27 - 69.24 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 7.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.22% | Operating Margin (TTM) 48.06% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 13.7% |
Valuation
Trailing PE 9.31 | Forward PE - | Enterprise Value 1435213952 | Price to Sales(TTM) 3.05 |
Enterprise Value 1435213952 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 4.67 | Enterprise Value to EBITDA - | Shares Outstanding 15028524 | Shares Floating 13002529 |
Shares Outstanding 15028524 | Shares Floating 13002529 | ||
Percent Insiders 11.13 | Percent Institutions 39.72 |
Upturn AI SWOT
Burke & Herbert Financial Services Corp. Common Stock
Company Overview
History and Background
Burke & Herbert Financial Services Corp. is a bank holding company headquartered in Alexandria, Virginia. Founded in 1872, it is the oldest bank in Northern Virginia. The company has grown steadily through organic expansion and a commitment to community banking. Its evolution has been marked by a consistent focus on personalized service and a robust understanding of its local market.
Core Business Areas
- Community Banking: Offers a full range of banking services to individuals and businesses, including checking and savings accounts, commercial and consumer loans, and mortgage lending.
- Wealth Management: Provides investment advisory services, financial planning, and trust services to help clients manage and grow their assets.
Leadership and Structure
The company is led by a Board of Directors and an executive management team responsible for strategic direction and day-to-day operations. As a publicly traded entity, it adheres to corporate governance standards.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products for individuals and businesses. Market share data for specific deposit products is typically aggregated at the bank level. Competitors include large national banks, regional banks, and credit unions.
- Commercial Loans: Provides financing solutions for businesses, including operating lines of credit, term loans, and commercial real estate loans. Competitors include other community banks, regional banks, and larger financial institutions.
- Mortgage Lending: Offers a variety of residential mortgage products. Competitors include national mortgage lenders, regional banks, and independent mortgage brokers.
- Wealth Management Services: Includes investment management, financial planning, and retirement services. Competitors include independent wealth advisors, larger brokerage firms, and trust companies.
Market Dynamics
Industry Overview
The banking industry in the United States is highly competitive and influenced by economic conditions, interest rate environments, and regulatory changes. Community banks like Burke & Herbert Financial Services Corp. focus on local markets, offering personalized service to differentiate themselves from larger institutions.
Positioning
Burke & Herbert Financial Services Corp. is positioned as a community-focused financial institution with a long-standing reputation for trust and reliability in its operating region. Its competitive advantages include deep local market knowledge, strong customer relationships, and a commitment to personalized service.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, encompassing all individuals and businesses requiring banking and financial services. Burke & Herbert Financial Services Corp. primarily targets the local market in Northern Virginia and surrounding areas. Its positioning within this TAM is that of a trusted, established local provider.
Upturn SWOT Analysis
Strengths
- Long history and strong brand recognition in its local market.
- Deep understanding of the local economy and customer needs.
- Commitment to personalized customer service.
- Stable, loyal customer base.
- Solid financial foundation.
Weaknesses
- Limited geographic reach compared to national banks.
- Potentially slower adoption of cutting-edge digital technologies compared to larger competitors.
- Reliance on a specific regional economy.
Opportunities
- Expansion of digital banking services to reach a wider customer base.
- Growth in wealth management services.
- Strategic partnerships or acquisitions to expand service offerings or geographic reach.
- Leveraging its reputation for personalized service to attract customers seeking an alternative to larger, impersonal banks.
Threats
- Intense competition from national banks, regional banks, and fintech companies.
- Changes in interest rates impacting net interest margins.
- Increasing regulatory compliance costs.
- Economic downturns affecting loan demand and credit quality.
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- Capital One Financial Corporation (COF)
- Truist Financial Corporation (TFC)
- First Citizens BancShares, Inc. (FCNCA)
Competitive Landscape
Burke & Herbert Financial Services Corp. operates in a highly competitive landscape dominated by larger national and regional banks. Its advantage lies in its deep local ties and personalized service, which appeal to a segment of customers who value relationships over scale. However, it faces challenges from the digital capabilities and marketing budgets of its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: The company has demonstrated consistent, albeit often moderate, growth over its long history, driven by its community-centric approach and expansion within its core market. Specific historical revenue and earnings growth rates would be required for numerical analysis.
Future Projections: Future growth projections would typically be based on analyst reports, management guidance, and economic forecasts for the banking sector and its operating region. These projections would detail anticipated revenue, earnings, and strategic expansion plans.
Recent Initiatives: Recent initiatives may include investments in digital transformation, enhancements to customer service platforms, and strategic expansions of its loan or wealth management offerings.
Summary
Burke & Herbert Financial Services Corp. is a well-established community bank with a strong history and loyal customer base in Northern Virginia. Its core strengths lie in personalized service and local market expertise, enabling it to compete effectively against larger institutions. The company needs to continuously invest in digital capabilities and explore strategic avenues for growth to maintain its competitive edge in a dynamic financial services landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's official SEC filings (10-K, 10-Q)
- Company investor relations website
- Reputable financial data providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and may not be exhaustive. Financial data and market share figures are subject to change and may be estimates. Investors should conduct their own due diligence before making investment decisions. This information is for informational purposes only and does not constitute 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 829 | |
Full time employees 829 | |||
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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