Burke & Herbert Financial Services Corp. (BHRB)

Nasdaq: BHRB · National Commercial Banks · Alexandria, VA · filing with the SEC since 2023

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Grade4.9

◀ Past 5.1● Present 4.2▶ Future 5.3

6 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Burke & Herbert Financial Services Corp.

Nine metrics read from its own filings, by tense

Headline grade

4.9/10

◀ Past5.140% of the headline

● Present4.235% of the headline

▶ Future5.325% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 3 read as filed from the record and 6 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.1/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

7.5/10

Has it survived what it has been through?

No warning events in its filings since 2023.

weight 45% of this tense · 75th percentile among 83 sector filers · read for itself

From the record

Burke & Herbert Financial Services Corp.'s filings since 2023 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

SI estimate

4.8/10

What has it actually done, year after year?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 79 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: Fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 79 members with one.
What the record cannot read: Fewer than three filed years of revenue on file.
How it was reasoned: family median, 79 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Burke & Herbert Financial Services Corp.'s track record is put at 4.8 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 79 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Shareholder treatment

as filed

2.1/10

How has it treated the people who own it?

Share count grew 26.4% a year. 33% of cash flow returned. Insiders: 8 sales, 15 purchases.

weight 33% of this tense · 21st percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Burke & Herbert Financial Services Corp.'s diluted share count grew about 26.4% a year, and dividends and buybacks returned about 33% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 8 sales and 15 purchases of their own stock on the open market in the year to 2026-10-30, buying about $1 million (their Form 4 filings).

What it rests on

the share count over the yearsbottom 3% of its family
cash returned against operating cash flowbottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.2/1035% of the headline grade · 1 of 3 filed, 2 estimated

Financial health

as filed

4.9/10

Is it financially healthy right now?

ROE 14%: 14¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 49th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Burke & Herbert Financial Services Corp. earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 21.2% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 46% of its family
return on equitytop 10% of its family
the share count against the year beforebottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

SI estimate

5.2/10

How strong is its position in its industry?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 79 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: No filed revenue on file, so the desk assumes the typical reading of its industry family, the median of 79 members with one.
What the record cannot read: No filed revenue on file.
How it was reasoned: family median, 79 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Burke & Herbert Financial Services Corp.'s industry position is put at 5.2 of 10 with a confidence of 20 of 100, because no filed revenue on file, so the desk assumes the typical reading of its industry family, the median of 79 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Leadership

SI estimate

1.4/10

What are the people in charge doing?

SI estimate 1.4/10, confidence 35 of 100 (one part).

weight 22% of this tense · 14th percentile among 79 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 14% of 79 in its family; the record of its people begins on 2024-05-03 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.6 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2024-05-03 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.6 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 79 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Burke & Herbert Financial Services Corp.'s leadership is put at 1.4 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 14% of 79 in its family; the record of its people begins on 2024-05-03 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.6 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.3/1025% of the headline grade · 0 of 3 filed, 3 estimated

Room to expand

SI estimate

6.1/10

How much room does it have to grow?

SI estimate 6.1/10, confidence 35 of 100 (one part).

weight 33% of this tense · 61st percentile among 83 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, cash less debt against assets, which ranks in the top 39% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read: The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned: one part: cash less debt against assets, the one part on file, ranked among 83 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Burke & Herbert Financial Services Corp.'s room to expand is put at 6.1 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the top 39% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

SI estimate

4.8/10

What could actually drive growth from here?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 79 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 79 members with one.
What the record cannot read: The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending.
How it was reasoned: family median, 79 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Burke & Herbert Financial Services Corp.'s growth drivers is put at 4.8 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 79 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Expectations vs reality

SI estimate

5.2/10

Did its newest year beat what its own record pointed to?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 76 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 76 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 76 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Burke & Herbert Financial Services Corp.'s expectations vs reality is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 76 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BHRB · research, not advice