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Equiscale · Syntellia LLC
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. 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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $337M | - | $117M | $96M | 13.9% | 31.5% | 228.5% |
| 2024 | $257M | - | $36M | $81M | 5.0% | 135.1% | 57.4% |
| 2023 | $109M | - | $23M | $28M | 7.2% | -7.9% | -48.4% |
| 2022 | $119M | - | $44M | $38M | 16.1% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 118.54 | 109.14 | 256.55 | 337.27 |
| Operating Revenue | - | 118.54 | 109.14 | 256.55 | 337.27 |
| Operating Expense | 74.68 | 79.88 | 85.62 | - | - |
| Selling General And Administration | - | 51.36 | 52.98 | 101.49 | 109.40 |
| Interest Income | - | 112.63 | 147.54 | 367.06 | 444.99 |
| Interest Expense | - | 8.94 | 53.14 | 140.38 | 149.08 |
| Net Interest Income | - | 103.69 | 94.40 | 226.69 | 295.91 |
| Pretax Income | - | 52.30 | 25.06 | 39.90 | 144.94 |
| Tax Provision | - | 8.29 | 2.37 | 4.19 | 27.63 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0.72 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 44.01 | 22.69 | 35.71 | 117.31 |
| Net Income From Continuing And Discontinued Operation | - | 44.01 | 22.69 | 35.71 | 117.31 |
| Net Income From Continuing Operation Net Minority Interest | - | 44.01 | 22.69 | 35.71 | 117.31 |
| Net Income | - | 44.01 | 22.69 | 35.71 | 117.31 |
| Net Income Common Stockholders | - | 44.01 | 22.69 | 35.03 | 116.41 |
| Net Income Including Noncontrolling Interests | - | 44.01 | 22.69 | 35.71 | 117.31 |
| Normalized Income | - | 40.20 | 22.69 | 35.71 | 117.31 |
| Diluted NI Availto Com Stockholders | - | 44.01 | 22.69 | 35.03 | 116.41 |
| Basic Average Shares | - | 7.43 | 7.43 | 14.97 | 15.03 |
| Diluted Average Shares | - | 7.47 | 7.43 | 14.97 | 15.03 |
| Reconciled Depreciation | - | 3.05 | 2.87 | 17.41 | 22.72 |
| Total Unusual Items | 1.06 | 4.53 | -0.04 | -2.18 | - |
| Total Unusual Items Excluding Goodwill | 1.06 | 4.53 | -0.04 | -2.18 | - |
| Preferred Stock Dividends | - | - | - | 0.68 | 0.90 |
| Special Income Charges | 1.06 | 4.53 | -0.04 | -2.18 | - |
| Other Special Charges | -1.06 | -4.53 | 0.04 | 2.18 | - |
| Gain On Sale Of Security | - | -0.45 | -0.11 | 1.36 | 0.15 |
| Depreciation Amortization Depletion Income Statement | - | 0 | 0 | 11.46 | 15.55 |
| Depreciation And Amortization In Income Statement | - | 0 | 0 | 11.46 | 15.55 |
| General And Administrative Expense | - | 50.33 | 52.52 | 99.60 | 107.49 |
| Salaries And Wages | - | 49.08 | 50.57 | 96.27 | 103.58 |
| Insurance And Claims | - | 1.25 | 1.96 | 3.33 | 3.90 |
| Rent Expense Supplemental | 5.48 | 5.77 | 5.77 | - | - |
| Other Operating Expenses | 12.81 | 13.76 | 14.17 | - | - |
| Selling And Marketing Expense | - | 1.03 | 0.46 | 1.89 | 1.91 |
| Rent And Landing Fees | 11.92 | 11.39 | 11.80 | - | - |
| Amortization | - | 0 | 0 | 11.46 | 15.55 |
| Amortization Of Intangibles Income Statement | - | 0 | 0 | 11.46 | 15.55 |
| Occupancy And Equipment | - | 11.39 | 11.80 | 34.75 | 30.27 |
| Depreciation Income Statement | 5.48 | 5.77 | - | - | - |
| Professional Expense And Contract Services Expense | - | 3.40 | 6.45 | 12.55 | 7.50 |
| Other Non Interest Expense | - | 12.08 | 12.63 | 32.19 | 28.10 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Burke & Herbert Financial Services Corp.this co. | BHRB | $1.3B | 10.93 | 1.52 | 13.9% | - |
| Westamerica Bancorporation | WABC | $1.3B | 11.39 | 1.42 | 12.4% | - |
| Goosehead Insurance, Inc. | GSHD | $1.3B | 32.20 | - | -41.5% | - |
| ProAssurance Corporation | PRA | $1.3B | 24.86 | 0.94 | 3.8% | - |
| Amalgamated Financial Corp. |
| 2021 | - | - | - | - | - | - | - |
| AMAL |
| $1.3B |
| 12.12 |
| 1.59 |
| 13.1% |
| - |
| Peoples Bancorp Inc. | PEBO | $1.3B | 11.90 | 1.04 | 8.8% | - |
| Tompkins Financial Corporation | TMP | $1.2B | 7.74 | 1.33 | 17.2% | - |
| Atlanticus Holdings Corporation | ATLC | $1.2B | 10.17 | 2.04 | 20.1% | - |
| Community Trust Bancorp, Inc. | CTBI | $1.2B | 12.51 | 1.43 | 11.5% | - |
| Peer Median | - | 12.01 | 1.42 | 11.9% | - | |
Historically, Nov has averaged the highest return (+9.5%); Mar the lowest (-3.5%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +5.1%Positive MonthJan 2026: +5.09% | -1.6%Neutral MonthFeb 2026: -1.59% | -3.3%Negative MonthMar 2026: -3.34% | +3.2%Positive MonthApr 2026: +3.24% | -1.1%Neutral MonthMay 2026: -1.10% | +13.0%Positive MonthJun 2026: +12.99% | +1.9%Neutral MonthJul 2026: +1.93% | -3.2%*Negative MonthAug 2026: -3.21% | — | — | — | — |
| 2025 | +3.1%Positive MonthJan 2025: +3.13% | -3.0%Negative MonthFeb 2025: -3.03% | -10.0%Negative MonthMar 2025: -10.02% | -0.4%Neutral MonthApr 2025: -0.36% | +1.8%Neutral MonthMay 2025: +1.81% | +4.9%Positive MonthJun 2025: +4.94% | -2.9%Negative MonthJul 2025: -2.91% | +9.6%Positive MonthAug 2025: +9.61% | -2.9%Negative MonthSep 2025: -2.94% | -4.6%Negative MonthOct 2025: -4.59% | +10.8%Positive MonthNov 2025: +10.84% | -4.5%Negative MonthDec 2025: -4.49% |
| 2024 | -7.2%Negative MonthJan 2024: -7.15% | -6.4%Negative MonthFeb 2024: -6.37% | +2.5%Positive MonthMar 2024: +2.47% | -6.5%Negative MonthApr 2024: -6.51% | -4.4%Negative MonthMay 2024: -4.35% | +1.8%Neutral MonthJun 2024: +1.76% | +32.8%Positive MonthJul 2024: +32.80% | -2.2%Negative MonthAug 2024: -2.16% | -7.9%Negative MonthSep 2024: -7.93% | +3.9%Positive MonthOct 2024: +3.85% | +9.4%Positive MonthNov 2024: +9.38% | -10.0%Negative MonthDec 2024: -9.99% |
| 2023 | +0.5%Neutral MonthJan 2023: +0.50% | +11.2%Positive MonthFeb 2023: +11.19% | -7.0%Negative MonthMar 2023: -6.96% | +8.8%Positive MonthApr 2023: +8.84% | +0.0%Neutral MonthMay 2023: +0.00% | -19.8%Negative MonthJun 2023: -19.75% | -15.9%Negative MonthJul 2023: -15.90% | -8.4%Negative MonthAug 2023: -8.37% | -6.1%Negative MonthSep 2023: -6.06% | -3.7%Negative MonthOct 2023: -3.74% | +6.3%Positive MonthNov 2023: +6.33% | +32.3%Positive MonthDec 2023: +32.25% |
| 2022 | +0.0%Neutral MonthJan 2022: +0.00% | +1.1%Neutral MonthFeb 2022: +1.14% | +0.2%Neutral MonthMar 2022: +0.22% | -1.8%Neutral MonthApr 2022: -1.79% | -6.8%Negative MonthMay 2022: -6.85% | -0.7%Neutral MonthJun 2022: -0.74% | +0.0%Neutral MonthJul 2022: +0.00% | +7.4%Positive MonthAug 2022: +7.41% | +5.7%Positive MonthSep 2022: +5.75% | +4.6%Positive MonthOct 2022: +4.57% | +18.7%Positive MonthNov 2022: +18.65% | -0.9%Neutral MonthDec 2022: -0.90% |
| 2021 | — | — | — | — | -1.7%Neutral MonthMay 2021: -1.66% | +1.7%Neutral MonthJun 2021: +1.74% | -0.3%Neutral MonthJul 2021: -0.29% | +7.6%Positive MonthAug 2021: +7.58% | -1.1%Neutral MonthSep 2021: -1.09% | +0.2%Neutral MonthOct 2021: +0.18% | +2.1%Positive MonthNov 2021: +2.06% | -1.1%Neutral MonthDec 2021: -1.12% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
