QualityDipStocks / Finance · Major Banks
Burke & Herbert Financial Services BHRB
Outside our quality screen, so we don’t track its dips. It’s 3% below its 52-week high.
Outside our quality screen, trading above our fair value estimate.
- Fair value est.
- $58.88−18%
- Market Value
- $70.73price +2%
- Off 52-wk high
- −3%
- Risk vs market
- Lowbeta 0.37
52-week range 84% of the way from its 52-week low to its high
Price $72.05Fair value est. $58.88Market Value $70.73
4 bullish · 5 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
How the range is computed
Financials model (residual income). Same residual-income model as the base: cost of equity 9.5% ±1 point and return on equity 9.1% ±2 points. Bear = 10.5% and 7.1%; bull = 8.5% and 11.1%. A model estimate from public filings, not a forecast of where the price will go.
Price sits inside the range.
What the price implies To be worth today’s price, BHRB would need a return on equity of about 11% a year; our estimate uses 9%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much BHRB moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 1.7× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.37
- Volatility
- 22% vs 13% SPY
- Correlation SPY
- 0.22
- Correlation QQQ
- 0.05
How it ranks
Where BHRB stands vs every one of the 2,467 stocks we cover that has the number. Longer bar = better.
Not in the top quarter on any of these 3 measures
- Discount to fair value estimate18% · price above our base caseLowest 36%of 1,507
- Dividends + buybacks yield2.5% · cash paid out or used to retire shares, vs market capLowest 49%of 2,227
- Revenue growth, last 12 months+8% · vs the 12 months beforeLowest 44%of 2,184
From SEC filings and our fair value estimate model. A ranking, not advice.
Valuation details
DCF $58.88 · MV $70.73
Financials model (residual income): book value $61.99 a share on Jun 30, 2026 (preferred stock excluded), plus the earnings above a 9.5% cost of equity. ROE 9.1%, the average of 9.1% for the trailing 12 months to Jun 30, 2026 and 9.0% over fiscal 2021–2025, on average common equity; payout 38% of earnings (dividends 38%), so book grows by the retained rest; the return above 9.5% fades halfway toward 9.5% over 10 years, then grows at 3% (terminal value). From the 10-Q filed Aug 7, 2026.
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthSales compounded 41% a year from FY2022 to FY2025.
GrowthDiluted EPS grew 174% in the last fiscal year, above the 15% median for the 327 Finance companies we cover.
Cash returnsDividend yield of 2.5% ($37M paid over 12 months, 38% of earnings).
GrowthSales grew 8% to $363M over the last 12 months vs the 12 months before (SEC filings).
Top bearish points 5 of 5
ValuationOur residual-income fair value estimate is $58.88, 18% below the price.
GrowthSales growth slowed to 8% over the last 12 months, from 41% a year over the prior three fiscal years.
Cash returnsShare count up 23.1% in a year: existing holders are being diluted.
ProfitabilityReturn on equity of 9.7%, below the 12% median for the 363 Finance companies we cover.
QualityDoesn’t pass our quality screen: no cash-flow data; ROE under 12% and ROIC under 10%.
All fundamentals
P/E 15.1 · ROE 10% · Sales +8%
Valuation
- P/E
- 15.1×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 4.00×
- Price / book
- 1.21×
- Market cap
- $1.5Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $363Mnet interest income + noninterest income
- Sales growth, 12 months
- +8.0%vs the 12 months before
- Sales growth, 3 yrs
- +41.5%/yrfrom FY2022
- Diluted EPS, 12 months
- $6.11
- EPS growth, last FY
- +173.8%
- Net income, 12 months
- $96M
- Net income growth
- −7%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 26.4%
- FCF margin
- 23.8%
- Return on equity
- 10%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $167M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $86M
- FCF growth, 12 months
- −44%
- Dividend yield
- 2.53%$37M paid
- Payout ratio
- 38%
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +23.1%diluted shares vs a year ago
- Stock-based comp
- $7M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Burke & Herbert Financial Services’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +41%
- Return on equity10%
- Sales growth (latest quarter vs year-ago quarter)+41%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $72.05
- 52-wk lowlowest close, 1 year$58.86−18.3%
- Fair value est.base case$58.88−18.3%
- Market Valueavg paid since Oct 22$70.73−1.8%
- PriceMon Nov 2 close$72.05you are here
- 52-wk highhighest close, 1 year$74.64+3.6%
Momentum & 52-week range
RSI 60 · 5 days +2.8%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
BHRB is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Burke & Herbert Financial Services in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Major Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.