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Upturn AI Summary - About
Burke & Herbert Financial Services Corp.(BHRB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BHRB
09/25/2026: BHRB (2-star) is a SELL. SELL for 5 days. Simulated Profits (6.72%). Updated daily EoD!
Burke & Herbert Financial Services Corp. is a long-established regional bank focused on providing community-oriented retail and commercial banking services in the Washington, D.C. area. The company has strengthened its position through the recent merger with Summit Financial Group, which significantly increased its scale and footprint. While the bank benefits from deep historical brand trust and a conservative operational model, it faces intense competitive pressures for deposits and loans. Investors should monitor the integration of its recent merger and the bank's ability to maintain margins in a competitive local market. It may suit dividend-focused or value-oriented investors looking for stability in the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential through regional expansion rather than hyper-growth. |
| Momentum investor | Weak fit | The stock typically exhibits characteristics of a steady regional bank rather than high-momentum volatility. |
| Value investor | Strong fit | The bank often trades based on book value and earnings, appealing to value-oriented investors. |
| Dividend investor | Strong fit | The company's history of stability makes it suitable for investors seeking consistent income. |
| Low-risk investor | Strong fit | Its established presence and conservative business model generally appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a regional bank, its stock price can fluctuate based on broader market banking sector trends. |
| Valuation risk | Medium | Market mispricing of assets during economic downturns can impact the stock's valuation. |
| Competition risk (regional banking) | High | Intense competition for deposits in the DMV area can pressure margins. |
| Business quality | Strong | The bank has a strong legacy and a stable customer base which provides a solid operational foundation. |
| Dividend income | Medium | Dividend payments are dependent on sustained profitability and regulatory approval. |
| Execution risk | Medium | Successfully integrating the recent Summit merger is critical to achieving expected synergies. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -1.07% | Avg. Invested days 43 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.40B USD | Price to earnings Ratio 11.26 | 1Y Target Price 80 |
Price to earnings Ratio 11.26 | 1Y Target Price 80 | ||
Volume (30-day avg) 116.9K shares | Beta 0.21 | 52 Weeks Range 55.53 - 74.52 | Updated Date 09/24/2026 |
52 Weeks Range 55.53 - 74.52 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 6.16 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank's primary profit engine is the spread between what it earns on loans and what it pays to savers. |
| Non-Interest Income | Fees from wealth management, deposit accounts, and other banking services. | Service fees and advisory income provide a secondary, recurring revenue stream. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.26 | Forward PE - | Enterprise Value 1.95B | Price to Sales(TTM) 3.89 |
Enterprise Value 1.95B | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 5.83 | Enterprise Value to EBITDA - | Shares Outstanding 20.19M | Shares Floating 17.29M |
Shares Outstanding 20.19M | Shares Floating 17.29M | ||
Percent Insiders 15.05 | Percent Institutions 45.44 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Burke & Herbert Financial Services Corp.
Exchange NASDAQ | Headquarters Alexandria, VA, United States | ||
IPO Launch date 2001-03-15 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1051 | |
Full time employees 1051 | |||
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 the United States. The company offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal, 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, 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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