Burke & Herbert Financial Services Corp. Common Stock (BHRB)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank investor in the Buffett-Graham mold, I start with book value, returns, and consistency. Burke & Herbert closed at $69.19 on 2026-10-13, within a 52-week range of $57.42-$75.09. FairStock's calculations put it at 1.17 times book and 11.32 times its $6.11 EPS, with a 3.18% dividend yield, a 0.22 beta, and an ROE of 9.79%. That is a fair, not exciting, starting point. The long-term record is the best part: filed net income rose from $22.7M in FY2023 to $35.7M in FY2024 to $117.3M in FY2025, and FairStock classifies it as a STALWART because profit grew 34.2% a year over four years. Yet the recent filings show real lumpiness. Fiscal Q2 2026, the quarter ended 2026-06-30, reported net income of $9.5M and diluted EPS of $0.50, down sharply from $27.3M and $1.79 in fiscal Q1 2026, $30.0M and $1.97 in fiscal Q3 2025, and $29.9M and $1.97 in fiscal Q2 2025. The latest-quarter margin of 8.99% is thin. FairStock's Piotroski score of 3/9 and PEG of 20.96 suggest weak current momentum relative to the multiple. I cannot evaluate CET1, net interest margin, or credit underwriting from the data given, which are the measures that matter most for a regional bank. At 1.17 times book, the price is not demanding, but the recent earnings drop means I would need more evidence of durable profitability before calling it a true bargain.

In plain English: Burke & Herbert is a community bank holding company that takes deposits and makes loans, mainly to businesses and households. The bank has grown its profit over the past few years and pays a decent dividend, but its most recent quarter was much weaker than the quarters before it. At $69.19 a share, the stock looks roughly fairly priced compared with its profits and net assets, not obviously cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer