ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Burke Herbert Financial Services Corp. ?
1
Strong Long Term Fundamental Strength with a 45.46% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 45.46%
3
The company has declared Positive results for the last 3 consecutive quarters
- NET SALES(HY) At USD 222.64 MM has Grown at 65.11%
- OPERATING CASH FLOW(Y) Highest at USD 136.11 MM
- ROCE(HY) Highest at 1.32%
4
With ROA of 0.49%, it has a very expensive valuation with a 1.18 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 -7.00%, its profits have risen by 183.1% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 37.39%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Burke Herbert Financial Services Corp.
-3.48%
1.30
29.57%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
34.47%
EBIT Growth (5y)
34.96%
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
76.00%
Pledged Shares
0
Institutional Holding
37.39%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.18
EV to EBIT
18.17
EV to EBITDA
16.81
EV to Capital Employed
1.14
EV to Sales
2.56
PEG Ratio
0.38
Dividend Yield
NA
ROCE (Latest)
6.26%
ROE (Latest)
7.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend37What is working for the Company
NET SALES(HY)
At USD 222.64 MM has Grown at 65.11%
OPERATING CASH FLOW(Y)
Highest at USD 136.11 MM
ROCE(HY)
Highest at 1.32%
CREDIT DEPOSIT RATIO(Q)
Highest at 1.53%
NII(Q)
Highest at USD 74.23 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 37.14 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.21 %
PRE-TAX PROFIT(Q)
Highest at USD 37.18 MM
NET PROFIT(Q)
Highest at USD 29.9 MM
EPS(Q)
Highest at USD 1.98
-8What is not working for the Company
INTEREST(9M)
At USD 117.51 MM has Grown at 70.74%
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 1.32%
Here's what is working for Burke Herbert Financial Services Corp.
Net Sales
At USD 222.64 MM has Grown at 65.11%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 37.18 MM has Grown at 122.46%
over average net sales of the previous four periods of USD 16.71 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 29.9 MM has Grown at 107.27%
over average net sales of the previous four periods of USD 14.42 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 1.53% and Grown
In each half year 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 (%)
NII
Highest at USD 74.23 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 136.11 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 37.14 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.21 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 37.18 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 29.9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.98
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 12.65%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Burke Herbert Financial Services Corp.
Non Performing Loans (%)
Highest at 1.53% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Interest
At USD 117.51 MM has Grown at 70.74%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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