Burke & Herbert Financial Services Corp. (BHRB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Burke & Herbert Financial Services Corp. stock $49.01, price $69.88, that is 29.9% below the price, quality 45 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Burke & Herbert Financial Services Corp.
BHRB · USOur calculation puts a fair price 30% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $37.18 – $75.40 · fair‑value band $39.96 – $71.07 · the $69.88 price screens above the $49.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
Every Wednesday you see whether Burke & Herbert Financial Services Corp. Common Stock is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Burke & Herbert Financial Services Corp. operates as the bank holding company for Burke & Herbert Bank & Trust Company that provides various community banking products and services in the United States.
Show moreShow less
The company offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal, money market, and savings accounts; and certificates of deposit.
It also provides loans comprising commercial real estate, single family residential, owner-occupied commercial real estate, commercial and industrial, residential mortgage, and consumer non-real estate and other loans, as well as acquisition, construction, and development loans.
In addition, it offers cash management services; online and mobile banking; and wealth and trust services.
Further, the company provides business solutions, including small business and commercial checking and savings options; investment services; and treasury management solutions consist of a suite of digital banking, payables, receivables, and risk management, as well as automated cash flow comprising enhanced reporting, automated clearing house, wires, remote deposit capture, bill pay, lockbox, credit and debit cards, merchant services, fraud protection, and deposit and loan sweeps.
Burke & Herbert Financial Services Corp. was founded in 1852 and is headquartered in Alexandria, Virginia.
Stock analysis
Burke & Herbert Financial Services Corp. (BHRB) currently trades at $69.88, while our model-based Fair Value estimate is $49.01, 30% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $64.78 per share, and 1 of the 6 models we run sit above the $69.88 price.
Bear case: the Asset-Based group reads lowest at $25.85, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $39.96 (bear) to $71.07 (bull), the price of $69.88 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Burke & Herbert Financial Services Corp. Common Stock reported revenue of $491M in FY2025 versus $119M in FY2021, a compound +42.5%/yr. Reported net income was $117M in FY2025, compounding +34.2%/yr from FY2021.
Key figures
Market cap $1.4B Small · P/E ratio 11.6 · P/S ratio 3.58 · EPS (TTM) $6.01 · Dividend yield 3.1% · Net margin 26.3% · Return on equity 10.5% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −30%, BHRB screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 5 officers or directors bought shares worth $926,421, most recently on Oct 29, 2026. Over the same period, 5 people sold shares worth $556,672. Buying cluster
- BuyShawn Patrick McLaughlinDirector4× since Apr 28, 2026: 3,500 shares, avg. $67.74$237,100Oct 29, 2026
- BuyDavid WilsonDirector4× since Jul 31, 2026: 273 shares, avg. $71.86$19,617Oct 27, 2026
- SaleJames P Geary IIDirector2× since Aug 3, 2026: 3,150 shares, avg. $72.83$229,407Aug 14, 2026
- BuyDiane PoillonDirector1,200 shares at $73.67$88,404Aug 12, 2026
- SaleJames Mason BurkeDirector1,500 shares at $73.03$109,545Aug 11, 2026
- SaleKatherine Diane BonnafeDirector1,000 shares at $73.65$73,650Aug 3, 2026
- SaleGeorgette R. GeorgeDirector1,000 shares at $73.67$73,670Aug 3, 2026
- BuyJulian Forrest Barnwell Jr.Director2× since May 11, 2026: 10,000 shares, avg. $62.91$629,050Jun 3, 2026
- SaleJill S UpsonDirector1,112 shares at $63.31$70,401May 20, 2026
- BuyJose David RiojasDirector1,300 shares at $62.00$80,600May 12, 2026
Plus 36 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BHRB screens overvalued: fair value 30% below the price. Compare with China Merchants Bank Co →
Compare Burke & Herbert Financial Services Corp. Common Stock with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BHRB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BHRB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BHRB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BHRB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BHRB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BHRB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs BHRB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BHRB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BHRB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BHRB |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Burke & Herbert Financial Services Corp. (BHRB) overvalued or undervalued?
What is the fair value of BHRB?
What is the quality score of BHRB?
What is the price target for Burke & Herbert Financial Services Corp. (BHRB)?
What is the Burke & Herbert Financial Services Corp. Common Stock stock forecast for 2026?
What is the revenue of Burke & Herbert Financial Services Corp. (BHRB)?
Does Burke & Herbert Financial Services Corp. Common Stock pay a dividend?
How much is the dividend of Burke & Herbert Financial Services Corp. (BHRB) and when is the ex-dividend date?
What is the intrinsic value of Burke & Herbert Financial Services Corp. (BHRB)?
Is Burke & Herbert Financial Services Corp. Common Stock stock overvalued or undervalued in 2026?
Is fair value the same as the market price of BHRB?
How much is Burke & Herbert Financial Services Corp. Common Stock worth?
What do the bullish and bearish scenarios say about BHRB?
What is the P/E ratio of BHRB?
How solid is the balance sheet of Burke & Herbert Financial Services Corp. (BHRB)?
How far is BHRB from its 52-week high?
Which stocks are comparable to Burke & Herbert Financial Services Corp. Common Stock?
Is Burke & Herbert Financial Services Corp. Common Stock stock attractive at the current price?
How is the fair value of BHRB calculated?
Is it still worth investing in stocks now?
What is the share price of Burke & Herbert Financial Services Corp. (BHRB)?
What should I pay attention to with Burke & Herbert Financial Services Corp. Common Stock right now?
Where does the earnings growth of Burke & Herbert Financial Services Corp. (BHRB) come from?
Key figures of Burke & Herbert Financial Services Corp.
How large is the market capitalisation of Burke & Herbert Financial Services Corp. (BHRB)?
What is the P/S ratio of Burke & Herbert Financial Services Corp. (BHRB)?
What are the earnings per share of Burke & Herbert Financial Services Corp. (BHRB)?
What is the dividend yield of Burke & Herbert Financial Services Corp. (BHRB)?
What is the net margin of Burke & Herbert Financial Services Corp. (BHRB)?
What is the return on equity of Burke & Herbert Financial Services Corp. (BHRB)?
What is the EBIT return on assets of Burke & Herbert Financial Services Corp. (BHRB)?
What is the operating margin of Burke & Herbert Financial Services Corp. (BHRB)?
How fast is revenue growing at Burke & Herbert Financial Services Corp. (BHRB)?
How fast are earnings growing at Burke & Herbert Financial Services Corp. (BHRB)?
How much free cash flow does Burke & Herbert Financial Services Corp. (BHRB) generate?
How much net debt does Burke & Herbert Financial Services Corp. (BHRB) carry?
Watch Burke & Herbert Financial Services Corp. Common Stock in the live analysis
One click puts Burke & Herbert Financial Services Corp. Common Stock on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.