ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Burke Herbert Financial Services Corp. ?
1
Strong Long Term Fundamental Strength with a 32.70% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 32.70%
3
Flat results in Jun 26
- OPERATING PROFIT(Q) Lowest at USD 14.89 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 10.87 %
- PRE-TAX PROFIT(Q) Lowest at USD 12.94 MM
4
With ROA of 0.97%, it has a fair valuation with a 1.11 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 8.69%, its profits have risen by 228.5% ; the PEG ratio of the company is 0
5
High Institutional Holdings at 39.66%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Burke Herbert Financial Services Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Burke Herbert Financial Services Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Burke Herbert Financial Services Corp.
8.69%
2.05
23.58%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
34.50%
EBIT Growth (5y)
27.13%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
28.49%
Pledged Shares
0
Institutional Holding
42.13%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.11
EV to EBIT
8.62
EV to EBITDA
7.77
EV to Capital Employed
1.09
EV to Sales
2.53
PEG Ratio
0.04
Dividend Yield
NA
ROCE (Latest)
12.66%
ROE (Latest)
13.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 93.04 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 109.91%
CASH AND EQV(HY)
Highest at USD 170.38 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 89.2%
NET SALES(Q)
Highest at USD 136.99 MM
-13What is not working for the Company
OPERATING PROFIT(Q)
Lowest at USD 14.89 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 10.87 %
PRE-TAX PROFIT(Q)
Lowest at USD 12.94 MM
NET PROFIT(Q)
Lowest at USD 10.22 MM
EPS(Q)
Lowest at USD 0.5
Here's what is working for Burke Herbert Financial Services Corp.
Non Performing Loans (%)
Lowest at 1.19%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 93.04 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 136.99 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 136.99 MM has Grown at 24.63%
over average net sales of the previous four periods of USD 109.92 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 170.38 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 89.2%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 109.91%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Burke Herbert Financial Services Corp.
Pre-Tax Profit
At USD 12.94 MM has Fallen at -64.72%
over average net sales of the previous four periods of USD 36.68 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 10.22 MM has Fallen at -65.51%
over average net sales of the previous four periods of USD 29.63 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Profit
Lowest at USD 14.89 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 10.87 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 12.94 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 10.22 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.5
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
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