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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
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $69.5
1 Year Target Price $69.5
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.59% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 895.37M USD | Price to earnings Ratio 15.18 | 1Y Target Price 69.5 |
Price to earnings Ratio 15.18 | 1Y Target Price 69.5 | ||
Volume (30-day avg) 2 | Beta 0.17 | 52 Weeks Range 45.66 - 73.37 | Updated Date 06/29/2025 |
52 Weeks Range 45.66 - 73.37 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.69% | Basic EPS (TTM) 3.93 |
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 15.18 | Forward PE - | Enterprise Value 1186457344 | Price to Sales(TTM) 3.1 |
Enterprise Value 1186457344 | Price to Sales(TTM) 3.1 | ||
Enterprise Value to Revenue 4.22 | 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 2 | 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 Financial Services Corp. is the oldest bank in the Commonwealth of Virginia, founded in 1852. It has evolved from a local Alexandria bank to a regional financial services provider, maintaining a community-focused approach.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including loans, deposit accounts, and cash management.
- Retail Banking: Offers banking products and services to individuals, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. It operates through a network of branches primarily in Northern Virginia.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is not publicly available. Competitors include larger national and regional banks.
- Mortgages: Residential mortgages for home purchase and refinancing. Market share data is not publicly available. Competitors include mortgage lenders and other banks.
- Wealth Management Services: Investment management, trust administration, and financial planning. Market share data is not publicly available. Competitors include large brokerages and wealth management firms.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. It is influenced by interest rates, economic conditions, and technological advancements.
Positioning
Burke & Herbert is a community-focused bank with a long history and strong local presence, differentiating it from larger national banks. It positions itself on customer service.
Total Addressable Market (TAM)
The TAM includes all banking and wealth management services in Northern Virginia. Burke & Herbert focuses on capturing market share within this region, emphasizing personalized service.
Upturn SWOT Analysis
Strengths
- Long History and Established Reputation
- Strong Local Presence in Northern Virginia
- High-Quality Customer Service
- Conservative Lending Practices
- Strong Capital Base
Weaknesses
- Limited Geographic Diversification
- Smaller Scale Compared to National Banks
- Dependence on Net Interest Income
- Limited Resources for Technological Innovation
- Lower Brand Awareness outside Northern Virginia
Opportunities
- Expansion into Adjacent Markets
- Increased Focus on Digital Banking
- Growth in Wealth Management Services
- Strategic Acquisitions
- Partnerships with Fintech Companies
Threats
- Increased Competition from Larger Banks
- Rising Interest Rates
- Economic Downturn
- Regulatory Changes
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- Truist Financial (TFC)
Competitive Landscape
Burke & Herbert competes with larger national banks and smaller regional banks. Its advantage lies in its local knowledge and customer service. Its disadvantage is its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are difficult to ascertain without public financial statements.
Future Projections: Future growth projections are unavailable without analyst coverage.
Recent Initiatives: Recent initiatives are not widely publicized due to the company's private nature.
Summary
Burke & Herbert Financial Services Corp. is a well-established community bank with a strong reputation in Northern Virginia. Its strengths lie in its local presence and customer service, but it faces challenges from larger competitors and the need to adapt to technological changes. The company's long history provides a stable foundation, but future growth will depend on its ability to innovate and expand its services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Limited Public Information
Disclaimers:
Financial data and market share estimates are based on limited public information and may not be precise. Analysis is for informational purposes only and should not be considered investment 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 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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