What is Burke & Herbert Financial Services Corp.'s (BHRB) StockRank?

MoatMap's StockRank for Burke & Herbert Financial Services Corp. (BHRB) is 54/100, with a Hold signal. This is a composite score combining Quality (47), Value (50), and Momentum (52) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Burke & Herbert Financial Services Corp. have an economic moat?

Burke & Herbert Financial Services Corp. (BHRB) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Burke & Herbert Financial Services Corp. a buy, hold, or sell?

MoatMap's current signal for Burke & Herbert Financial Services Corp. (BHRB) is Hold, based on a StockRank of 54/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Burke & Herbert Financial Services Corp. in?

Burke & Herbert Financial Services Corp. (BHRB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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BHRB

HoldHot AirFLAG

Burke & Herbert Financial Services Corp. · Financial Services · United States · $1.4B · Avg Vol: $8M/d

StockRank

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P/E (TTM)

11.8x

ROE

9.8%

D/E

0.6x

Dividend %

3.0%

Dir. Trades · 180d

+$883.6K · −$789.5K →

Buybacks · 180d

None →

AI CONVICTION THESIS

Burke & Herbert Financial clears the floors at Q60 V55 M58 but neither value nor momentum reaches the all-three-above-60 path, and insiders were net sellers, so stage one fails.

COMPANY DESCRIPTION

Burke & Herbert Financial Services Corp. is a historic community bank holding company operating primarily in Virginia and Maryland. The bank's competitive advantage lies in its deep-rooted local relationships, conservative credit culture, and high-touch customer service model developed over more than 170 years. It operates as a trusted regional financial institution serving commercial and retail clients.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	118.5M	109.1M	256.6M	337.3M	41.7%	360.1M	426.9M	480.5M	19.4%
EPS	2.18	1.13	2.34	7.81	52.9%	6.11	6.92	7.60	-1.4%
Shares	20.2M	20.2M	15.0M	15.0M	-25.5%	20.2M	—	—	—
Debt	343.1M	272.0M	476.9M	537.5M	16.1%	713.3M	—	—	—
Equity	273.5M	314.8M	730.2M	854.6M	46.2%	—	—	—	—
Op CF	61.1M	42.5M	85.8M	107.9M	20.9%	97.1M	—	—	—
Inv CF	-127.4M	-43.2M	123.6M	136.7M	—	—	—	—	—
Fin CF	39.3M	-5.1M	-118.5M	-90.8M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-3.7%

SMA 50SMA 200

$70.87

RSI (14)

49.8

52W High

$74.53

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*36.5

ROE

9.8%49.5

GP/Assets

4.5%N/A

Op. Margin

19.3%35.6

FCF/Assets

1.1%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

0.63xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.8x57.2

EV/EBITDA

bankN/A

P/FCF

17.0xN/A

P/B

1.2x48.4

P/S

4.1x44.4

Div Yield

3.0%42.3

Momentum

52W High %

95%73.7

RS 6M

1%57.1

SMA 50/200

1.09x69.4

EPS Rev 4W

0.0%27.7

EPS Rev 12W

-0.7%28.9

EPS Improve

+43%70.4

Q Growth

-68%4.3

FUNDAMENTALS

Market Cap

$1.4B

P/E (Forward)

8.3x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BHRB are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
BHRB	Burke & Herbert Financial Services Corp.(you)	$1.4B	54	Hold
WABC	Westamerica Bancorporation	$1.3B	55	Hold
LKFN	Lakeland Financial Corporation	$1.5B	52	Hold
BFC	Bank First Corporation	$1.7B	53	Hold
CLBK	Columbia Financial, Inc.	$1.2B	53	Hold
LOB	Live Oak Bancshares, Inc.	$1.9B	54	Hold
HFWA	Heritage Financial Corporation	$1.2B	56	Hold
TCBK	TriCo Bancshares	$1.7B	57	Hold
HOPE	Hope Bancorp, Inc.	$1.8B	57	Hold
AMTB	Amerant Bancorp Inc.	$1.1B	56	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Burke & Herbert Financial Services Corp. (BHRB): Stock Score Summary

Burke & Herbert Financial Services Corp. (BHRB) has a MoatMap StockRank of 54/100 based on Quality (47/100), Value (50/100), and Momentum (52/100) factor scores. The current signal is HOLD. Burke & Herbert Financial clears the floors at Q60 V55 M58 but neither value nor momentum reaches the all-three-above-60 path, and insiders were net sellers, so stage one fails.

Key Financial Metrics

Price	$70.87
Market Cap	$1.4B
P/E (TTM)	11.84
P/E (Forward)	8.27
Price/Book	1.22
Return on Equity	9.8%
Debt/Equity	0.63x
Operating Margin	19.3%
Revenue Growth	22.3%
Dividend Yield	3.0%
Free Cash Flow	$85M

Burke & Herbert Financial Services Corp. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Burke & Herbert Financial Services Corp.’s (BHRB) StockRank?: MoatMap’s StockRank for Burke & Herbert Financial Services Corp. (BHRB) is 54/100, with a Hold signal. It is a composite of Quality (47), Value (50), and Momentum (52) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Burke & Herbert Financial Services Corp. have an economic moat?: Burke & Herbert Financial Services Corp. (BHRB) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Burke & Herbert Financial Services Corp. a buy, hold, or sell?: MoatMap’s current signal for Burke & Herbert Financial Services Corp. (BHRB) is Hold, based on a StockRank of 54/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Burke & Herbert Financial Services Corp. in?: Burke & Herbert Financial Services Corp. (BHRB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).