Burke & Herbert Bank & Trust Company (BHRB) AI Stock Analysis

Burke & Herbert Financial Services Corp. serves as the holding company for Burke & Herbert Bank & Trust Company, a community banking institution established in 1852 and headquartered in Alexandria, Virginia. The bank operates across Virginia and Maryland, delivering consumer and commercial banking products. Deposit solutions include demand and savings accounts, NOW accounts, money market accounts, digital banking services, and certificates of deposit. Lending operations encompass commercial real estate loans, single family residential mortgages, owner-occupied commercial real estate financing, acquisition and development loans, and commercial and industrial loans. The institution also provides treasury and cash management services, mobile platforms, and wealth management and trust services.

Burke & Herbert experienced significant expansion over recent years, delivering a 5-year revenue CAGR of 32.3% from FY2020 through FY2025. Annual revenue climbed from $119.1M in FY2021 to $127.5M in FY2022, $162.3M in FY2023, $396.9M in FY2024, and reached $491.1M in FY2025. Net income expanded from $36.2M in FY2021 to $117.3M in FY2025, with net margins improving to 23.9% and operating margins reaching 29.5%. For the trailing twelve months ended June 30, 2026, revenue stood at $360.1M with EPS of $6.11. In the latest quarter, revenue rose 22.3% year-over-year, while quarterly earnings declined 74.6%.

As of June 30, 2026, Burke & Herbert maintained $2.08B in cash and short-term investments alongside total debt of $677.2M, leaving net cash at $1.40B. Total assets reached $10.99B against shareholders' equity of $1.20B, yielding a debt-to-equity ratio of 0.56 and a current ratio of 4.06. In FY2025, the company produced $107.9M in operating cash flow and $96.2M in free cash flow. Capital expenditures totaled $11.7M, while dividend payments utilized $33.9M.

Burke & Herbert trades at a trailing price-to-earnings multiple of 11.4x, lower than the 12.1x median of its US-listed Financial Services peers. Its price-to-sales multiple of 3.9x is above the peer median of 3.2x, while its price-to-book ratio is 1.2x and enterprise value stands at $1.96B. Over the past year, BHRB shares gained 24.1%, outpacing the 16.8% return of the S&P 500 benchmark. Over five years, the stock returned 53.1%, trailing the S&P 500 return of 83.0%.

Burke & Herbert pays a quarterly dividend totaling $2.20 annually per share, equating to a 3.16% dividend yield as of October 16, 2026. The company has paid dividends for 20 consecutive years, registering a 5-year annualized dividend growth rate of 1.9%. The payout ratio stands at 28.3%, and the most recent ex-dividend date occurred on August 14, 2026.

Wall Street coverage includes 4 analysts, with 2 Strong Buy ratings, 1 Buy, and 1 Hold. The mean price target is $80.00, implying a 14.8% upside from the last close of $69.69. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $437.6M and EPS of $6.96. For the next fiscal year, 3 analysts project revenue of $494.3M and EPS of $8.71. Burke & Herbert beat EPS estimates in 2 of the past 4 quarters, with its next earnings date scheduled for October 22, 2026.

This page is an AI-written research summary of Burke & Herbert Bank & Trust Company (BHRB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BHRB income statement, BHRB balance sheet, BHRB key metrics, BHRB analyst forecast, BHRB chart. See the BHRB stock overview for the latest quote and news.