BHRB · Burke & Herbert Financial Services Corp.
$71.00
+0.10 (+0.14%)
At close · Aug 20
Market Cap
$1.43B
Shares
20.19M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$71.00
Open$70.43
Day$70.01–71.21
52W close$57.58–74.64
Avg vol 30d126K
Short int767K · 3.8% float · 5.9d
Short vol46%
Last earningsApr 23, 2026
DataNov 2022–Aug 2026
Filing10-Q · Aug 7
Raw chart and full-history price indicators begin at the captured split on Nov 15, 2022; bars on opposite sides are not compared.
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
+0%
above
RSI (14)
43
neutral
MACD trend
Negative
52-week position
79%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+10%
trailing
YTD return
+14%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $71 › 200d $66 — 50d above 200d
Institutional flow
Accumulating
+26% holders QoQ · +65 funds added
Insider flow
Accumulating
Net +$1.5K over 90 days · 50% sells
Short interest
Rising
3.80% of float · ▲ +10.1% MoM · 5.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
205 holders — near 3-yr high, broad support
Squeeze score
70
high risk · 0–100
Fundamentals
Revenue growth
+8%
Y/Y
EPS growth
+174%
Y/Y
Free cash flow
$96.2M
Valuation
P/E 11.4
below peers
Balance sheet
$450.0M
net debt
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 23, 2026
2026 Full Year Expectations
Loans
Initiated
$8.15B – $8.3B
Deposits
Initiated
$9.05B – $9.15B
Noninterest income
Initiated
$53M – $56M
Net interest income (non-FTE)
Initiated
$372M – $376M
Core noninterest expense
Non-GAAP
Initiated
$242M – $245M
Effective tax rate
Initiated
20% – 21%
Provision expense
Initiated
$1.6M – $2.4M
per quarter
AOCI accretion
5.6%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
79%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $71 › 200d $66 — 50d above 200d
Institutional flow
Accumulating
+26% holders QoQ · +65 funds added
Insider flow
Accumulating
Net +$1.5K over 90 days · 50% sells
Short interest
Rising
3.80% of float · ▲ +10.1% MoM · 5.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
205 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $58
Now $71 · 79%
Range high $75
vs 200-day avg +8%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted diluted EPS non-GAAP | $2.03 | Three months ended June 30, 2026 | — |
| Adjusted Net Income to Common non-GAAP | 37.5M | 2Q26 | — |
| Adjusted non-interest expense non-GAAP | 61.12M | Three months ended June 30, 2026 | — |
| Allowance Coverage Ratio | 1.18% | 2Q26 | — |
| Allowance for credit losses as a percentage of non-performing loans | 99.12% | As of June 30, 2026 | — |
| Annualized adjusted return on average assets (non-GAAP) non-GAAP | 1.5% | For the three months ended June 30, 2026 | — |
| Annualized adjusted return on average common equity (non-GAAP) non-GAAP | 14.27% | For the three months ended June 30, 2026 | — |
| Annualized adjusted return on average tangible common equity (non-GAAP) non-GAAP | 16.45% | For the three months ended June 30, 2026 | — |
| Annualized return on average tangible common equity (non-GAAP) non-GAAP | 4.07% | For the three months ended June 30, 2026 | — |
| Average tangible common equity (non-GAAP) non-GAAP | $913.94M | For the three months ended June 30, 2026 | — |
| Average tangible total assets (non-GAAP) non-GAAP | $9.87B | For the three months ended June 30, 2026 | — |
| Common Equity Tier 1 Ratio | 11.8% | 2Q26 | — |
| Consolidated Common Equity Tier 1 (CET1) capital ratio | 11.79% | As of June 30, 2026 | — |
| Consolidated Leverage ratio | 11.08% | As of June 30, 2026 | — |
| Consolidated Total risk-based capital ratio | 14.48% | As of June 30, 2026 | — |
| Efficiency ratio | 87.47% | Three months ended June 30, 2026 | — |
| Leverage Ratio | 11.1% | 2Q26 | — |
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| Loan-to-deposit ratio | 89.2% | As of June 30, 2026 | — |
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| NCOs / Average Loans (annualized) | 6.5 | 2Q26 | — |
| Net interest income (Fully Taxable-Equivalent - FTE) non-GAAP | $95.08M | For the three months ended June 30, 2026 | — |
| Net interest margin non-GAAP | 4.15% | the three months ended June 30, 2026 | — |
| Net interest margin (non-GAAP) non-GAAP | 4.15% | For the three months ended June 30, 2026 | — |
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| Non-performing assets as a percentage of total assets | 0.89% | As of June 30, 2026 | — |
| Non-performing loans as a percentage of total loans | 1.19% | As of June 30, 2026 | — |
| Operating net income non-GAAP | 37.48M | Three months ended June 30, 2026 | — |
| Operating net income applicable to common shareholders (non-GAAP) non-GAAP | $37.48M | For the three months ended June 30, 2026 | — |
| Pretax, pre-provision earnings (non-GAAP) non-GAAP | 13.39M | Three months ended June 30, 2026 | — |
| Tangible assets (non-GAAP) non-GAAP | $10.79B | As of the three months ended June 30, 2026 | — |
| Tangible book value per common share (non-GAAP) non-GAAP | $49.29 | As of June 30, 2026 | — |
| Tangible common equity (non-GAAP) non-GAAP | 993.87M | As of June 30, 2026 | — |
| Tangible common equity / tangible assets non-GAAP | 9.2% | 2Q26 | — |
| Taxable-equivalent net interest margin (non-GAAP) non-GAAP | 4.15% | Three months ended June 30, 2026 | — |
| Tier 1 Capital Ratio | 12.1% | 2Q26 | — |
| Total Capital Ratio | 14.5% | 2Q26 | — |
| Total liquidity, including all available borrowing capacity with cash and cash equivalents | 6.1B | the end of the second quarter | — |
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| Total revenue (non-GAAP) non-GAAP | 106.9M | Three months ended June 30, 2026 | — |
| Uninsured Deposit % | 35.2% | 2Q26 | — |
| Unused borrowing capacity | 5.97B | As of June 30, 2026 | — |
| Common Equity Tier 1 capital to risk-weighted assets | 13.8% | Q1 2026 | — |
| Total liquidity | 4.8B | Q1 2026 | — |
| Total risk-based capital to risk-weighted assets | 16.5% | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BHRB
this stock
Burke & Herbert Financial Services Corp.
|
$1.43B | +13.9% | +8.2% | 11.4 | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
Raw-price comparisons begin at the captured split on Nov 15, 2022; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BHRB | -3.0% | +0.3% | +10.2% | -3.1% | +14.0% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.1% | -3.0% | -1.0% | -5.2% | +2.1% |
Capital returns
Latest dividend
$0.55
/ share · ex Aug 14, 2026
Paid (TTM)
$2.20
/ share · 4 payouts
Dividend yield (TTM, derived)
3.10%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1964333
CUSIP
12135Y108
13F (30d)
184 filings
184 filers
Visit website
Investor relations