Burke & Herbert Bank & Trust Company provides various banking products and services in Virginia.
Adequate balance sheet and overvalued.
Share Price & News
How has Burke & Herbert Bank & Trust's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BHRB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BHRB underperformed the US Banks industry which returned 9.7% over the past year.
Return vs Market: BHRB underperformed the US Market which returned 19.4% over the past year.
Price Volatility Vs. Market
How volatile is Burke & Herbert Bank & Trust's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Burke & Herbert Bank & Trust undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BHRB ($2180) is trading above our estimate of fair value ($1741)
Significantly Below Fair Value: BHRB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BHRB is poor value based on its PE Ratio (24x) compared to the Banks industry average (12.6x).
PE vs Market: BHRB is poor value based on its PE Ratio (24x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BHRB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BHRB is good value based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).
How is Burke & Herbert Bank & Trust forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Burke & Herbert Bank & Trust has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Burke & Herbert Bank & Trust's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Burke & Herbert Bank & Trust's filings and announcements here.
- Explore growth companies in the Banks industry.
How has Burke & Herbert Bank & Trust performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BHRB has high quality earnings.
Growing Profit Margin: BHRB's current net profit margins (16.8%) are lower than last year (30.7%).
Past Earnings Growth Analysis
Earnings Trend: BHRB's earnings have declined by -3.8% per year over the past 5 years.
Accelerating Growth: BHRB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BHRB had negative earnings growth (-50.6%) over the past year, making it difficult to compare to the Banks industry average (12.3%).
Return on Equity
High ROE: BHRB's Return on Equity (4.8%) is considered low.
Return on Assets
Return on Capital Employed
How is Burke & Herbert Bank & Trust's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: BHRB has a low level of unsold assets or inventory.
Debt Coverage by Assets: BHRB's debt is covered by short term assets (assets are 1.1x debt).
Financial Institutions Analysis
Asset Level: BHRB's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if BHRB has a sufficient allowance for bad loans.
Low Risk Liabilities: BHRB's liabilities are made up of primarily low risk sources of funding.
Loan Level: BHRB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BHRB's loans are broadly funded by customer deposits.
Level of Bad Loans: Insufficient data to determine if BHRB has an appropriate level of bad loans.
What is Burke & Herbert Bank & Trust's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: BHRB's dividend (3.67%) is higher than the bottom 25% of dividend payers in the US market (1.43%).
High Dividend: BHRB's dividend (3.67%) is low compared to the top 25% of dividend payers in the US market (3.7%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, BHRB has been paying a dividend for less than 10 years.
Growing Dividend: BHRB's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (90.3%), BHRB's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
David Boyle (55yo)
Mr. David P. Boyle, CPA, has been the Chief Executive Officer of Burke & Herbert Bank & Trust Company since January 2020 and served as its President and Chief Operating Officer since June 3, 2019 until Jan ...
|Chief Executive Officer||0.08yrs||no data||no data|
|Senior EVP||2.8yrs||no data||no data|
|Senior Vice President of Finance||0yrs||no data||no data|
|Principal VP of Accounting||0.9yrs||no data||no data|
|Executive VP and Chief Technology & Administrative Officer||0yrs||no data||no data|
|Principal VP & Chief Compliance Officer||2.4yrs||no data||no data|
|Executive VP & Chief Marketing Officer||3.8yrs||no data||no data|
|Principal Vice President of Sales & Service Development||0yrs||no data||no data|
|Senior VP of Human Resources||0yrs||no data||no data|
|Executive VP of Branch & Business Banking||3.8yrs||no data||no data|
Experienced Management: BHRB's management team is considered experienced (2.4 years average tenure).
|Senior EVP||2.8yrs||no data||no data|
|Chairman of the Board||9.8yrs||no data||no data|
|Director||0yrs||no data||no data|
|Director||13.1yrs||no data||no data|
|Director||12.1yrs||no data||no data|
|Director||3.6yrs||no data||no data|
|Director||0yrs||no data||no data|
|Vice Chairman||0yrs||no data||no data|
|Director||7.8yrs||no data||no data|
|Director||5.6yrs||no data||no data|
Experienced Board: BHRB's board of directors are considered experienced (7.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Burke & Herbert Bank & Trust Company's company bio, employee growth, exchange listings and data sources
- Name: Burke & Herbert Bank & Trust Company
- Ticker: BHRB
- Exchange: OTCPK
- Founded: 1852
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$407.773m
- Shares outstanding: 187.05k
- Website: https://www.burkeandherbertbank.com
Number of Employees
- Burke & Herbert Bank & Trust Company
- 100 South Fairfax Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BHRB||OTCPK (Pink Sheets LLC)||Yes||Common Shares||US||USD||Dec 1990|
Burke & Herbert Bank & Trust Company provides various banking products and services in Virginia. It provides checking accounts, savings accounts, investment management accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), IRA CDs, and remote deposits. The company also offers mortgage loans, home equity lines and loans, personal credit lines, installment loans, auto loans, commercial mortgages, construction loans, business lines of credit, and small business administration loans, as well as merchant services, lock box services, online wires, and ACH services. In addition, it provides wealth management services and trust services, as well as cash cards, gift cards, debit cards, and credit cards. Further, the company offers online banking services. As of April 5, 2016, it operated 25 branches in Northern Virginia. Burke & Herbert Bank & Trust Company was founded in 1852 and is headquartered in Alexandria, Virginia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/18 23:52|
|End of Day Share Price||2020/02/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.