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Upturn AI SWOT - About
BHRB 
Burke & Herbert Financial Services Corp. Common Stock (BHRB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/15/2025: 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 $71.67
1 Year Target Price $71.67
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.03% | Avg. Invested days 31 | 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 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 924.86M USD | Price to earnings Ratio 7.88 | 1Y Target Price 71.67 |
Price to earnings Ratio 7.88 | 1Y Target Price 71.67 | ||
Volume (30-day avg) 2 | Beta 0.24 | 52 Weeks Range 46.68 - 72.71 | Updated Date 09/14/2025 |
52 Weeks Range 46.68 - 72.71 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.76% | Basic EPS (TTM) 7.81 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.67% | Operating Margin (TTM) 47.73% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 14.19% |
Valuation
Trailing PE 7.88 | Forward PE - | Enterprise Value 1393192576 | Price to Sales(TTM) 2.8 |
Enterprise Value 1393192576 | Price to Sales(TTM) 2.8 | ||
Enterprise Value to Revenue 5.15 | Enterprise Value to EBITDA - | Shares Outstanding 15022500 | Shares Floating 12997129 |
Shares Outstanding 15022500 | Shares Floating 12997129 | ||
Percent Insiders 11.13 | Percent Institutions 37.37 |
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 evolved from a local institution serving the needs of its community to a regional bank offering a range of financial services.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and other services to individual customers.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
The bank is led by a Board of Directors and a senior management team, including the CEO. The organizational structure is typical of a community bank, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for working capital, expansion, and other purposes. Market share data is not readily available, but Burke & Herbert competes with other regional and national banks in this space. Competitors include Truist, Bank of America, and local credit unions.
- Mortgages: Residential mortgages for home purchase and refinancing. Market share data is limited. Competitors include national mortgage lenders like Rocket Mortgage and local banks like United Bank.
- Deposit Accounts: Checking and savings accounts for consumers and businesses. Competitors include online banks and other regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. It is influenced by interest rates, economic growth, and technological advancements.
Positioning
Burke & Herbert is positioned as a community-focused bank with a long history and a strong reputation in the Northern Virginia area. Its competitive advantages include its local presence, personalized service, and deep understanding of the community.
Total Addressable Market (TAM)
The TAM is the total banking market in Northern Virginia. While difficult to quantify precisely, it represents billions of dollars in loans, deposits, and wealth management assets. Burke & Herbert's positioning allows it to capture a share of this market through its local presence and reputation.
Upturn SWOT Analysis
Strengths
- Long-standing reputation
- Strong local presence
- Personalized customer service
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Slower adoption of new technologies compared to larger competitors
Opportunities
- Expansion into new markets within Northern Virginia
- Increased focus on digital banking
- Growth in wealth management services
- Partnerships with local businesses
Threats
- Increased competition from national banks and online lenders
- Economic downturn in the region
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Truist Financial Corporation (TFC)
- Capital One Financial Corporation (COF)
Competitive Landscape
Burke & Herbert faces competition from larger national banks with greater resources and brand recognition. It also competes with regional banks and credit unions. Its advantages lie in its local focus and personalized service, but it needs to adapt to the changing technological landscape to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information is not publicly available.
Future Projections: Future projections for growth cannot be provided due to lack of public information.
Recent Initiatives: Recent strategic initiatives are not publicly available.
Summary
Burke & Herbert Financial Services Corp. is a well-established community bank with a strong reputation in Northern Virginia. Its long history and personalized service are key strengths, but it faces challenges from larger competitors and the evolving banking landscape. To maintain its position, it must invest in technology and expand its reach while preserving its community focus.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Third-party financial data providers (where available)
- AI analysis
Disclaimers:
This analysis is based on limited publicly available information. Financial data may not be fully accurate. Market share data is estimated. AI-generated rating 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 819 | |
Full time employees 819 | |||
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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