Stocks · Financial Services · Banks - Regional
Burke & Herbert Financial Services Corp. BHRB
$69.86 +1.44% Close, Oct 2, 2026 · NASDAQ · Market cap $1.41B
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 4.3× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 84 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $443.3M, down 10.1% from a year earlier, slowing from 2.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth13Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 12%
- EPS growth (TTM, YoY)Bottom 23%
- FCF growth (TTM, YoY)Bottom 16%
- Revenue growth, 3-year CAGRTop 4%
- Revenue growth accelerationBottom 15%
Quality51Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 35%
- Gross marginTop 42%
- Operating marginTop 36%
- Cash conversion (OCF / net income)Bottom 38%
- Accruals (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Bottom 29%
- Interest coverTop 35%
Value58Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 25%
- Free-cash-flow yieldBottom 40%
- EBITDA / enterprise valueTop 50%
- Sales / enterprise valueBottom 30%
- P/E vs own 5-year history (lower is better)Top 31%
Momentum61Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 38%
- 6-month returnTop 35%
- 1-year return vs S&P 500Top 37%
- Distance from 52-week highTop 36%
- Trend checklist (0–4)Top 48%
Revisions43Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 39%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 26%
Stability41Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 27%
- Maximum drawdown, 3 yearsBottom 43%
- Beta vs S&P 500 (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Bottom 29%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.5% | -10.1% | ↓ |
| EPS growth (YoY) | 120.2% | -9.1% | ↓ |
| Gross margin | 66.5% | 68.1% | ↑ |
| Operating margin | 25.0% | 27.1% | ↑ |
| FCF margin | 26.1% | 19.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -10.1% | 2.5% | ↓ | Bottom 12% |
| EPS growth (TTM, YoY) | -9.1% | 120.2% | ↓ | Bottom 23% |
| Gross margin | 68.1% | 66.5% | ↑ | Top 42% |
| Operating margin | 27.1% | 25.0% | ↑ | Top 36% |
| Net margin | 21.9% | 21.2% | ↑ | — |
| Free-cash-flow margin | 19.5% | 26.1% | ↓ | — |
| Return on invested capital | 3.9% | — | Top 35% | |
| Revenue growth, 3-year CAGR | 56.8% | — | Top 4% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +51.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.61%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 2.62%
- Share count change, 1 year
- +0.7%
- Share count change, 3-year CAGR
- +26.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +2.7%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $75.00
- Target vs current price
- +7.4%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +2.5% | -0.3% | +3.7% | -0.2% | — |
| Apr 23, 2026 | -3.7% | +0.1% | -1.2% | -1.9% | +10.1% |
| Jan 22, 2026 | +3.7% | +1.4% | -3.9% | +2.1% | +0.4% |
| Oct 23, 2025 | +8.2% | -0.3% | -1.6% | -1.3% | +3.9% |
| Jul 24, 2025 | +8.2% | -2.3% | -9.5% | -7.0% | -10.6% |
| Apr 25, 2025 | +1.7% | +0.5% | +8.8% | +8.4% | +25.3% |
| Jan 24, 2025 | +0.0% | +1.1% | +4.2% | +1.0% | -20.6% |
| Oct 25, 2024 | +13.1% | -3.5% | -1.7% | +6.6% | -4.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $2.03 | $1.98 | +2.5% | $106.9M |
| Apr 23, 2026 | $1.80 | $1.87 | -3.7% | $84.7M |
| Jan 22, 2026 | $1.98 | $1.91 | +3.7% | $86.6M |
| Oct 23, 2025 | $1.97 | $1.82 | +8.2% | $84.2M |
| Jul 24, 2025 | $1.97 | $1.82 | +8.2% | $85.8M |
| Apr 25, 2025 | $1.80 | $1.77 | +1.7% | $81.9M |
| Jan 24, 2025 | $1.77 | $1.77 | +0.0% | $82.5M |
| Oct 25, 2024 | $1.98 | $1.75 | +13.1% | $82.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.2× | 11.6× | 33th | Top 25% |
| P/E (forward) | 9.2× | — | — | — |
| EV / EBITDA | 15.0× | — | — | Top 50% |
| EV / Sales | 4.44× | — | — | Bottom 30% |
| Free-cash-flow yield | 6.14% | — | — | Bottom 40% |
| Earnings yield | 8.96% | — | — | Top 25% |
P/E over the past five years
Range 8.3× – 122.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +15.1%
- Earnings per share growth (TTM)
- -9.1%
- Change in P/E multiple
- +41.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 84
- 50-day average slope (20 days)
- -0.3%
- 200-day average slope (20 days)
- +0.7%
- Distance from 50-day average
- -2.5%
- Distance from 200-day average
- +4.4%
- RSI (14)
- 46.8
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.2%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.84
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -6.4%
- Maximum drawdown, 3 years
- -31.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| May 23, 2023 | Oct 27, 2023 | -48.4% | 109 days | Not yet recovered |
| Mar 3, 2022 | Jun 17, 2022 | -18.2% | 74 days | 54 days (Sep 6, 2022) |
| Nov 16, 2022 | Nov 17, 2022 | -17.0% | 1 days | 107 days (Apr 25, 2023) |
| Sep 14, 2022 | Oct 13, 2022 | -12.6% | 21 days | 14 days (Nov 2, 2022) |
| Apr 26, 2023 | May 16, 2023 | -11.0% | 14 days | 4 days (May 22, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.41B
- P/E (TTM)
- 11.2
- EPS, diluted (TTM)
- $6.26
- Revenue (TTM)
- $443.3M
- Dividend yield
- 3.15%
- 52-week range
- $57.42 – $75.08
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $119.1M | $127.5M | $162.3M | $396.9M | $491.1M |
| Gross profit | $115.9M | $126.0M | $108.9M | $232.3M | $340.5M |
| Operating income | $40.4M | $52.3M | $25.1M | $39.9M | $144.9M |
| Net income | $36.2M | $44.0M | $22.7M | $35.7M | $117.3M |
| EPS (diluted) | $4.52 | $5.89 | $3.02 | $2.34 | $7.75 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $127.5M | $122.5M | $119.7M | $123.4M | $121.6M | $122.8M | $118.3M | $80.6M |
| Net income | $27.6M | $19.8M | $27.2M | $29.9M | $30.0M | $30.3M | $27.3M | $9.5M |
| EPS (diluted) | $1.82 | $1.30 | $1.80 | $1.97 | $1.97 | $2.00 | $1.79 | $0.50 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $55.0M | $61.1M | $42.5M | $86.1M | $107.9M |
| Capital expenditure | -$1.1M | -$23.1M | -$14.2M | -$4.6M | -$11.7M |
| Free cash flow | $53.9M | $38.0M | $28.3M | $81.2M | $96.2M |
| Dividends paid | -$14.9M | -$15.7M | -$15.7M | -$28.6M | -$33.9M |
| Net share buybacks | -$1.1M | $97,000 | $141,000 | $3.2M | $30,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $2.08B
- Total assets
- $10.99B
- Total liabilities
- $9.79B
- Total debt
- $677.2M
- Net debt
- $560.7M
- Shareholders’ equity
- $1.20B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.55 | Sep 1, 2026 |
| May 15, 2026 | $0.55 | Jun 1, 2026 |
| Feb 13, 2026 | $0.55 | Mar 2, 2026 |
| Nov 14, 2025 | $0.55 | Dec 1, 2025 |
| Aug 15, 2025 | $0.55 | Sep 2, 2025 |
| May 15, 2025 | $0.55 | Jun 2, 2025 |
| Feb 14, 2025 | $0.55 | Mar 3, 2025 |
| Nov 15, 2024 | $0.55 | Dec 2, 2024 |
Short interest
- Shares sold short
- 769,653
- Days to cover
- 8.32
- Change vs previous report
- +1.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 15, 2022
- 40-for-1