BHRB

Burke & Herbert Financial Services Corp.

Financial Services · $1.4B market cap

Verdict

Share price

$69.86

close of Oct 3, 2026

Fair value

$78.87

Sticker Price

Payback Price

$31.55

buy price

Undervalued

BHRB is Undervalued: at $69.86 it trades 11% below its fair value of $78.87. Its buy price (Payback Price) is $31.55, 55% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth34.0% a year✓
Equity per share growth3.4% a year✗
Sales growth25.2% a year✓
Free cash flow growth26.1% a year✓
Return on invested capital4.2%✗

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Insider activity

Since Jun 19, 2026: 5 open-market purchases worth $174K, 6 sales worth $719K and 37 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Sales

Other filings

George Georgette R.

director · 2026-08-21

W-Will

9,858 shares

Barnwell Julian Forrest Jr.

director · 2026-08-04

J-Other

91,361 shares

WILSON DAVID

director · 2026-07-31

G-Gift

100 shares

TISSUE ROBERT S

EVP, Balance Sheet Strategy · 2026-07-30

Tax withholding

$951K

TISSUE ROBERT S

EVP, Balance Sheet Strategy · 2026-07-30

Option exercise

$376K

Show all 37 other filings

TISSUE ROBERT S

EVP, Balance Sheet Strategy · 2026-07-30

Option exercise

$441K

Freeman Danyl R

Chief Human Resources Officer · 2026-07-29

Tax withholding

$148K

Freeman Danyl R

Chief Human Resources Officer · 2026-07-29

Option exercise

$123K

Freeman Danyl R

Chief Human Resources Officer · 2026-07-29

Tax withholding

$148K

BOYLE DAVID P

Chair & CEO · 2026-07-28

G-Gift

1,752 shares

TISSUE ROBERT S

EVP, Financial Strategy · 2026-07-17

Tax withholding

$712K

TISSUE ROBERT S

EVP, Financial Strategy · 2026-07-17

Option exercise

$408K

TISSUE ROBERT S

EVP, Financial Strategy · 2026-07-17

Option exercise

$212K

Ritchie Bradford E

EVP, Chief Lending Officer · 2026-07-16

Tax withholding

$157K

Ritchie Bradford E

EVP, Chief Lending Officer · 2026-07-16

Option exercise

$142K

Zirk Angela R

EVP, Chief Experience Officer · 2026-07-01

Tax withholding

$76K

Zirk Angela R

EVP, Chief Experience Officer · 2026-07-01

Option exercise

$64K

MADDY H CHARLES III

President · 2026-06-29

Tax withholding

$1.3M

MADDY H CHARLES III

President · 2026-06-29

Tax withholding

$1.3M

MADDY H CHARLES III

President · 2026-06-29

Option exercise

$408K

MADDY H CHARLES III

President · 2026-06-29

Option exercise

$775K

MADDY H CHARLES III

President · 2026-06-25

Tax withholding

$851K

MADDY H CHARLES III

President · 2026-06-25

Tax withholding

$858K

MADDY H CHARLES III

President · 2026-06-25

Option exercise

$756K

Riojas Jose David

director · 2026-06-19

Award

1,000 shares

Hinson Samuel Laing III

director · 2026-06-19

Award

1,000 shares

McLaughlin Shawn Patrick

director · 2026-06-19

Award

1,000 shares

Anderson Mark Guthrie

director · 2026-06-19

Award

1,000 shares

Burke James Mason

director · 2026-06-19

Award

1,000 shares

Barnwell Julian Forrest Jr.

director · 2026-06-19

Award

1,000 shares

PICCIRILLO CHARLES

director · 2026-06-19

Award

1,000 shares

Bonnafe Katherine Diane

director · 2026-06-19

Award

1,000 shares

Poillon Diane

director · 2026-06-19

Award

1,000 shares

Geary James P II

director · 2026-06-19

Award

1,000 shares

George Georgette R.

director · 2026-06-19

Award

1,000 shares

Snyder Kristen

director · 2026-06-19

Award

1,000 shares

WILSON DAVID

director · 2026-06-19

Award

1,000 shares

About Burke & Herbert Financial Services Corp.

Burke & Herbert Financial Services Corp. operates as a bank holding company, offering a comprehensive range of banking products and financial solutions. Its client base includes small to medium-sized businesses, along with their owners and employees, professional corporations, non-profit organizations, and individual customers. The company organizes its lending operations into several distinct portfolio segments…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works