BHRB
Financial ServicesBurke & Herbert Financial Services Corp. · Banks - Regional · $940M
What is Burke & Herbert Financial Services Corp.?
Burke & Herbert Financial Services Corp. is a Virginia-based bank holding company serving small and medium-sized businesses, professionals, nonprofits, and individual customers. Headquartered in Alexandria, VA, it delivers a broad range of traditional banking and lending services.
Burke & Herbert generates revenue primarily through interest income on a diversified loan portfolio and fee-based banking services. Its lending activities span commercial real estate, owner-occupied commercial properties, construction and development projects, commercial and industrial loans, single-family residential mortgages, and consumer lending — serving business owners, professional corporations, and individuals across its footprint.
The holding company was established in 2003 and is headquartered in Alexandria, Virginia.
- Commercial real estate and construction lending
- Commercial and industrial business loans
- Single-family residential mortgages
- Consumer banking and deposit products
Is BHRB a Good Stock to Buy?
UQS Score rates BHRB as Good overall, reflecting a balanced profile with notable strengths and one area of concern.
The Quality pillar stands out as a clear strength, suggesting the bank maintains sound financial discipline relative to peers. The Risk pillar also rates well, indicating a manageable risk profile — an important factor for community bank investors. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals.
The Moat pillar is rated Weak, which is common among community banks that compete in local markets without significant pricing power or switching-cost advantages.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BHRB pay dividends?
Yes — Burke & Herbert Financial Services Corp. pays a dividend.
Burke & Herbert pays a regular dividend, consistent with the income-oriented tradition of community banking. Regional banks often return capital to shareholders through dividends given their relatively stable deposit-funded business models. Investors seeking income exposure within the financial sector may find BHRB's dividend cadence worth examining alongside the full UQS analysis.
When does BHRB report earnings?
Burke & Herbert Financial Services reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The company's earnings reflect the dynamics of its diversified loan portfolio, including trends in net interest income and credit quality across commercial and consumer segments. Performance can vary with interest rate movements and regional economic conditions.
For the most recent quarter's results and guidance, visit Burke & Herbert Financial Services' investor relations page directly.
BHRB Price History
+52.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Burke & Herbert Financial Services Corp.?
Based on Burke & Herbert Financial Services Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BHRB Long-term Outlook
With a Neutral Growth pillar and a Good Risk rating, Burke & Herbert's fundamental outlook reflects steady, measured expansion rather than rapid scaling. The Attractive Valuation label suggests the market may not be fully pricing in the bank's quality characteristics. The primary headwind remains the Weak Moat rating, which limits pricing power in competitive local lending markets.
Growth drivers
- Expansion of commercial real estate and C&I loan portfolios in the Virginia market
- Stable net interest income supported by a diversified deposit base
- Potential for fee income growth through broader financial services offerings
Key risks
- Interest rate sensitivity affecting net interest margins
- Limited competitive differentiation in community banking markets
- Credit quality risk tied to commercial real estate concentration
BHRB vs Peers
Burke & Herbert operates in the competitive community and regional banking space alongside several peers worth comparing.
Esquire focuses on niche lending to the legal industry and small businesses, giving it a more specialized borrower base than Burke & Herbert's broader community banking model.
Amerant operates primarily in Florida and Texas markets, offering a geographic contrast to Burke & Herbert's Virginia-centered footprint.
Capitol Federal concentrates heavily on single-family residential mortgage lending, making it more narrowly focused than Burke & Herbert's multi-segment loan portfolio.
Frequently Asked Questions
What does Burke & Herbert Financial Services do?
Burke & Herbert Financial Services is a bank holding company that provides lending and deposit products to small and medium-sized businesses, professional corporations, nonprofits, and individuals. Its loan portfolio spans commercial real estate, construction, business loans, residential mortgages, and consumer credit, primarily serving customers in the Virginia region.
Does BHRB pay dividends?
Yes, Burke & Herbert pays a regular dividend. This is consistent with the income-return tradition of community bank holding companies. Investors should review the company's investor relations page for the current dividend rate and payment schedule, as specific figures are not provided here.
When does BHRB report earnings?
Burke & Herbert reports earnings quarterly, in line with standard practice for US-listed bank holding companies. For exact dates of upcoming earnings releases, check the company's investor relations page or financial calendar.
Is BHRB a good stock to buy?
UQS Score rates BHRB as Good overall. The Quality and Risk pillars are rated favorably, and Valuation is Attractive. The main weakness is the Moat pillar, which reflects limited competitive differentiation. Whether BHRB fits your portfolio depends on your goals — the full UQS breakdown is available to Pro members.
Is BHRB overvalued?
Based on the UQS Valuation pillar, BHRB is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. Community banks can sometimes trade at discounts to larger peers, and this rating reflects that dynamic. See the full valuation analysis by signing up for a Pro account.
How does BHRB compare to its competitors?
Compared to peers like Esquire Financial, Amerant Bancorp, and Capitol Federal Financial, Burke & Herbert stands out for its diversified loan portfolio and Virginia market focus. Each competitor has a distinct niche or geography. The UQS platform provides side-by-side pillar comparisons for Pro members.
What is BHRB's market cap bracket?
Burke & Herbert Financial Services is classified as a small-cap company. Small-cap bank holding companies often offer different risk and return characteristics than large national banks, including closer ties to regional economic conditions and potentially less analyst coverage.
Who founded Burke & Herbert Financial Services?
The holding company structure for Burke & Herbert Financial Services was established in 2003. The underlying Burke & Herbert Bank has much deeper historical roots in the Alexandria, Virginia community. For detailed founding history, the company's official website and investor relations materials are the best sources.
Is BHRB a long-term quality indicator?
The UQS Score is designed to assess long-term fundamental quality rather than short-term price movements. BHRB's Strong Quality pillar and Good Risk rating suggest a financially disciplined institution. The Weak Moat rating is worth monitoring over time, as competitive positioning matters for sustained long-term performance.
What is the main competitive advantage of Burke & Herbert Financial Services?
Burke & Herbert's primary strength lies in its established presence in the Virginia market and its diversified loan portfolio across commercial, residential, and consumer segments. However, the UQS Moat pillar rates this as Weak, reflecting the broader challenge community banks face in building durable competitive advantages against larger institutions.
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Pro Analysis
BHRB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 55.9 | 85.5 | 21.0 | 55.4 | 27.6 | 93.6 | 0.0 |
| May 21, 2026 | 55.9 | 85.5 | 21.0 | 55.4 | 27.6 | 93.3 | 0.0 |
| May 20, 2026 | 55.9 | 85.5 | 21.0 | 55.4 | 27.6 | 94.0 | 0.0 |
| May 17, 2026 | 55.9 | 85.5 | 21.0 | 55.4 | 27.6 | 93.7 | -0.5 |
| May 16, 2026 | 56.4 | 85.5 | 21.0 | 57.6 | 27.6 | 94.2 | 0.0 |
| May 14, 2026 | 56.4 | 85.5 | 21.0 | 57.6 | 27.6 | 93.8 | +0.1 |
| May 13, 2026 | 56.3 | 85.5 | 21.0 | 57.6 | 27.6 | 93.4 | 0.0 |
| May 11, 2026 | 56.3 | 85.5 | 21.0 | 57.6 | 27.6 | 93.3 | +0.4 |
| May 10, 2026 | 55.9 | 85.5 | 21.0 | 57.6 | 27.6 | 90.7 | -0.4 |
| May 4, 2026 | 56.3 | 85.5 | 21.0 | 57.6 | 27.6 | 93.2 | 0.0 |
BHRB — Pillar Breakdown
Quality
— 85.5/100 (25%)Burke & Herbert Financial Services Corp. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 55.4/100 (20%)Burke & Herbert Financial Services Corp. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 27.6/100 (15%)Burke & Herbert Financial Services Corp. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 95.0/100 (15%)Burke & Herbert Financial Services Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)Burke & Herbert Financial Services Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BHRB.
Score Composition
Financial Data
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How is the BHRB UQS Score Calculated?
The UQS (Unified Quality Score) for Burke & Herbert Financial Services Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Burke & Herbert Financial Services Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Burke & Herbert Financial Services Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.