Burke & Herbert Financial Services clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.
Burke & Herbert Financial Services Corp. operate as the bank holding company for Burke & Herbert Bank & Trust Company.
The company primarily serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits,…
Analysis
Hidden champion
Burke & Herbert Financial Services Corp. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.
On valuation, the picture is attractive. The owner-earnings multiple stands at 10.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of 7%. The price, in other words, assumes less than the experts do.
Growth is solid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.
Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Mar 202694
96
2026
All-time high
96
Jun 2026
All-time low
94
Mar 2026
Average rank
95
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
81
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Price/Earnings
100
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Price/Book
71
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Dividend Yield
85
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Value (overall)
100
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Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.