Burke & Herbert Financial Services Corp.

BHRB

$72.95

+0.65%

N/A+$0.47

Financial Services

Banks - Regional

NASDAQ

Active Trading

Burke & Herbert Financial Services Corp. operates as a bank holding company, offering a comprehensive range of banking products and financial solutions. ...

Fundamental Analysis of BHRB

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Profitability

Net Margin21.89%

Operating Margin27.12%

Valuation

P/E Ratio11.54x

Current Ratio4.06

Efficiency

ROE10.37%

ROA0.88%

Fundamental Analysis of BHRB

Burke & Herbert Financial Services Corp. operates as a bank holding company, offering a comprehensive range of banking products and financial solutions. Its client base includes small to medium-sized businesses, along with their owners and employees, professional corporations, non-profit organizations, and individual customers. The company organizes its lending operations into several distinct portfolio segments: Commercial Real Estate: This segment's loans are evaluated based on the income generated from leasing the underlying property or its potential proceeds upon sale. Owner-Occupied Commercial Real Estate: Here, the focus is on the operational strength of the business occupying the property, in addition to the collateral's value. Acquisition, Construction, and Development: Loans in this category are contingent on the borrower's credit standing, the project's adherence to budget and timely completion, the prospects of a successful sale post-development, and the value of the collateral. Commercial and Industrial: Lending in this segment emphasizes the financial health of the borrowing business and the worth of its collateral. Single Family Residential (1-4 Units): These loans, often for investment purposes, consider the borrower's continued creditworthiness, the market value of the collateral, and either the net rental income generated or the proceeds from the property's sale. Consumer Non-Real Estate and Other: This segment covers loans where risk assessment primarily involves the borrower's credit reliability and the value of the collateral provided. Burke & Herbert Financial Services Corp. was established on September 14, 2022, and is headquartered in Alexandria, Virginia.

Key Strengths of BHRB

Industry-leading gross margins
Strong cash flow generation
High R&D investment ratio
Market leadership in AI chips

Risk Factors of BHRB

Premium valuation multiples
Semiconductor cycle exposure
Intense competition
Geographic concentration

Market Cap vs Revenue & Earnings

Earnings

n/a

Revenue

n/a

Market cap

$1.47B

11.5x

P/E Ratio

3.3x

P/S Ratio

Earnings & Revenue

Last Reportedn/a

Earnings per share (EPS)n/a

Gross Margin68.13%

Net Profit Margin21.89%

Debt/Equity Ratio0.56

Profitability Bridge (Current vs YoY)

How gross, operating and net margins shifted versus last year.

Revenue / Net Income / FCF History (USD B)

Growth Signals of BHRB

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Revenue	—	—	—	—	Flat
Diluted EPS	—	—	—	—	Flat
Free Cash Flow	—	—	—	—	Flat

Profitability of BHRB

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Net Margin	—	11.77%	—	—	Flat
Operating Margin	—	14.90%	—	—	Flat
ROE	—	—	—	—	Flat

Financial Health of BHRB

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Current Ratio	—	4.056	—	—	Flat
Quick Ratio	—	4.056	—	—	Flat
Debt / Equity	—	0.563	—	—	Flat

Valuation of BHRB

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
P/E	—	35.93x	—	—	Flat
P/B	—	0.90x	—	—	Flat

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Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer