Burke & Herbert Financial Services Corp.
$62.08
-3.0%Burke & Herbert Bank & Trust Company provides various banking products and services to individuals and businesses in the Northern Virginia. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also offers debit, credit, and gift cards; mortgage, consumer, commercial real estate, and small business loans, as well as home equity lines of credit, and commercial loans and lines of credit; and financing for medical and dental practices. In addition, the company provides safe deposit boxes; online wire, ACH, positive pay, remote deposit, merchant, lockbox, and sweep services. Further, it offers wealth management, retirement planning, estate planning and asset management, and insurance services, as well as private, online, and mobile banking services. As of March 19, 2022, the company operated through approximately 20 branches in Northern Virginia. Burke & Herbert Bank & Trust Company was founded in 1852 and is based in Alexandria, Virginia.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 8.0).
Valuation inputs: P/E 8.0, earnings yield +12.5%, momentum -3.0%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is acceptable (ROE +13.7%, ROIC +6.1%).
Profitability stack: net margin +23.9%, ROE +13.7%, ROIC +6.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +89.2%, momentum -3.0%, net margin +23.9%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Burke & Herbert Financial Services Corp. Market vs Earnings Trajectory
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Burke & Herbert Financial Services Corp. Fair Value Envelope
Burke & Herbert Financial Services Corp. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Burke & Herbert Financial Services Corp. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Burke & Herbert Financial Services Corp. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
Burke & Herbert Financial Services Corp. Street Expectations Map
Wall Street analysts project that BHRB stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 74.00, with estimates ranging from a low of 74.00 to a high of 74.00.
The consensus 1-year price target stands at 74.00, with estimates ranging from a low of 74.00 to a high of 74.00.
Analyst Consensus Analysis
Upside Potential
Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Burke & Herbert Financial Services Corp. Insider Positioning
During the last 12 months, insiders have purchased $350K and sold $70K worth of BHRB shares, resulting in $280K of net buying activity.
3 Months
3.0K
190.35K
1.1K
70.39K
+120K
+$120K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
2.6K
159.72K
0
0.00
+160K
+$160K
9-12 Months
0
0.00
0
0.00
+0
+$0
Top Buyers
Mclaughlin Shawn Patrick
Director
$189K
Hinkle Gary L
Director
$99K
Riojas Jose David
Director
$62K
Top Sellers
Upson Jill S
Director
$70K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $280K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
3 insider buyers vs. 1 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
bhrb Dividend History
Learning Layer
Related Guides
Build conviction on BHRB by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.