Burke & Herbert Financial Services Corp.

NASDAQ•BHRB

CEO: Mr. David P. Boyle CPA

セクター: Financial Services

業種: Banks - Regional

上場日: 2003-10-07

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 Virginia and Maryland. It offers consumer and commercial deposit products, such as digital banking, demand, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. The company also provides loans, such as commercial real estate, single family residential, owner-occupied commercial real estate, residential mortgage, acquisition, construction and development, commercial and industrial, and consumer non-real estate and other loans. In addition, it offers treasury and cash management services; and online and mobile banking, and wealth and trust services. The company was founded in 1852 and is headquartered in Alexandria, Virginia.

連絡先情報

100 S. Fairfax Street, Alexandria, VA, 22314, United States

703-666-3555

www.burkeandherbertbank.com

時価総額

$931.17M

PER (TTM)

8.0

14.5

配当利回り

3.6%

52週高値

$70.90

52週安値

$47.57

52週レンジ

62%

順位45Top 56.8%

3.6

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$122.77M+0.24%

直近4四半期の推移

EPS

$1.99+51.91%

直近4四半期の推移

フリーCF

$28.32M-100.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Jumps 232% Consolidated net income applicable to common shares reached $116.4M in 2025, up 232.3% from $35.0M in 2024.

Strong Net Interest Margin Growth Tax-adjusted NIM improved significantly to 4.14% in 2025, driven by higher yields on loans and securities portfolios.

Provision Expense Normalized Provision for credit losses was only $1.5M in 2025, down sharply from $24.2M in 2024 due to the one-time CECL impact.

Capital Ratios Remain Strong CET1 ratio improved to 13.45% as of year-end 2025, well exceeding minimum regulatory requirements for capital strength.

リスク要因

Asset Quality Deterioration Noted NPL ratio increased to 1.38% in 2025 from 0.68% in 2024, signaling potential future credit stress requiring higher provisioning.

LNKB Merger Integration Risks Substantial integration costs estimated at approximately $52.1M; failure to realize expected synergies could negatively impact performance.

Commercial Real Estate Concentration CRE loans represent 51.4% of the gross loan portfolio, increasing regulatory scrutiny and potential loss concentration risk.

Interest Rate Sensitivity Exposure Management monitors interest rate risk; changes in rates or yield curve shape could negatively affect net interest income and EVE.

見通し

Focus on Post-Merger Growth Strategy centers on growing business relationships, building core deposits, and originating profitable loans following the LNKB merger.

Favorable Market Area Outlook Primary market area (Washington D.C. MSA) shows strong population and economic growth, supporting long-term expansion opportunities.

Increased Regulatory Scrutiny Expected Assets exceeding $10B post-LNKB merger will subject the company to direct CFPB examination and enhanced compliance costs.

同業比較

売上高 (TTM)

TCBI

$2.00B

+13.5%

MBIN

$1.36B

-5.9%

DCOM

$730.38M

+13.0%

粗利益率 (最新四半期)

TMP

85.5%

+0.0pp

OSBC

83.2%

+3.3pp

AMAL

74.0%

+4.7pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
TCBI	$4.22B	12.6	9.3%	3.0%
MBIN	$1.91B	8.7	9.9%	19.8%
DCOM	$1.40B	12.4	7.7%	2.4%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

0.9%

緩やかな成長

4四半期純利益CAGR

3.6%

収益性の緩やかな改善

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月24日

EPS:$1.77

売上高:$83.01M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし