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TMP (59) WABC (67) PEBO (69) LKFN (66) ⌘ Pro Terminal β†’

Burke & Herbert Financial Services Corp. (BHRB) Dividend Safety Gauge & 10-Year DRIP Compounder

$72.05 +2.23% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $72.20

Burke & Herbert Financial Services Corp. (BHRB) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C β€’ HOLD / WATCH Cap $1.42B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BHRB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Burke & Herbert Financial Services Corp. (NASDAQ: BHRB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $72.05 (+2.23% 1D, market cap $1.42B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, BHRB ranks #275 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BHRB compare to TMP and WABC in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), BHRB carries a Roarable C (64/100 RQD), trailing P/E of 12.2x, gross margin of β€”, and ROIC of 13.7%. By comparison, TMP (Tompkins Financial Corporation) holds a C- grade (59/100 RQD, P/E 9.1x, ROIC 17.2%, cap $1.43B) and WABC (Westamerica Bancorporation) posts a C+ grade (67/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.40B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BHRB?
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Per BHRB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001964333), Burke & Herbert Financial Services Corp. generated $3.33B in revenue (+1.4% YoY), $117.3M in net income, and $96.2M in free cash flow against $7.92B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $72.20 (+0.21%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 2.9% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY β€’ 55.2% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C Β· Rk C
Cash (11)Whales (11)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$87 Bull$74 Base$58 Bear
πŸ“¬ FREE BHRB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BHRB)Realized 20D OHLCV Swing Band: Β±4.4%
Deterministic 5-Pillar Attribution (64/100 Composite)
πŸ” WHY BHRB SCORES 64/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy β€’ Cannibal Buyback (-2.64% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
56
Grade C$69.19+1.4% Next Q
Q2 (-2Q)
59
Grade C$70.15+0.5% Next Q
Q3 (-1Q)
61
Grade C$70.47+2.2% Next Q
Current
64
Grade C$72.05+1.1% Hist 90D Ξ±
Trajectory: C (56) β†’ C (64)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the BHRB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 64/100 (C) score, BHRB faces multiple-compression risk if 12.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($70.29) or 200D SMA ($67.53) invalidates the momentum regime and cuts Target Base ($74.00) toward Bear Floor ($57.72).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BHRBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBHRB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
4.16% Total Yield
2.36% Cash ($1.70/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 β€’ FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
22.9% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $23,892

Est. Year-10 Shareholder Yield: $994/yr
$10.9K
Yr 1
$11.9K
Yr 2
$13.0K
Yr 3
$14.2K
Yr 4
$15.5K
Yr 5
$16.9K
Yr 6
$18.4K
Yr 7
$20.1K
Yr 8
$21.9K
Yr 9
$23.9K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in BHRB & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on BHRB and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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BHRB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.29%⚑ TESTING RESISTANCE
2026-11-03O $71.08H $72.05L $70.48C $72.05VOL 112.3K
RES: $72.13SUP: $65.58SMA50: $70.29SMA200: $67.53
$76.08$71.98$67.89$63.79$59.70RES $72.13SUP $65.58$72.052026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BHRB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ BHRB Butterfly Map β†’ + Track BHRB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.8%/yr Implied 5Y Growth

vs. +1.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BHRB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for BHRB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BHRB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BHRB)

Financials Rank #275 of 1097 βš”οΈ TMP vs BHRB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (BHRB vs. TMP, WABC, PEBO, LKFN)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Burke & Herbert Financial Services Corp. (BHRB) ranks #275 by composite RQD confidence (64/100, grade C) and #499 by equity capitalization ($1.42B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and β€” gross margin. PEBO currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BHRB at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BHRB ACTIVE
Burke & Herbert Financial Services Corp.
C 64/100 12.2x β€” 13.7% +2.23% $1.42B Benchmark Subject
TMP
Tompkins Financial Corporation
C- 59/100 9.1x β€” 17.2% +1.97% $1.43B /tmp-vs-bhrb β†’
WABC
Westamerica Bancorporation
C+ 67/100 12.2x β€” 12.4% +1.64% $1.40B /wabc-vs-bhrb β†’
PEBO
Peoples Bancorp Inc.
C+ 69/100 13.1x β€” 10.5% +3.54% $1.39B /pebo-vs-bhrb β†’
LKFN
Lakeland Financial Corporation
C+ 66/100 14.6x β€” 13.6% +2.91% $1.48B /lkfn-vs-bhrb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001964333 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Burke & Herbert Financial Services Corp. (BHRB) reported GAAP revenue of $3.33B (+1.4% vs. FY2024 revenue of $3.28B , and +1199.0% cumulative change since FY2023) , GAAP net income of $117.3M, operating cash flow of $107.9M, and free cash flow of $96.2M (+18.5% YoY). On the balance sheet, BHRB closed FY2025 with $7.92B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $3.33B $117.3M $107.9M $96.2M $7.92B β€”
FY2024 (FY) 2024-12-31 $3.28B $35.7M $85.8M $81.2M $7.81B β€”
FY2023 (FY) 2023-12-31 $256.1M $22.7M $42.5M $42.5M β€” β€”

3. BHRB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BHRB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Burke & Herbert Financial Services Corp. (NASDAQ: BHRB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $72.05 (+2.23% 1D, market cap $1.42B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, BHRB ranks #275 in composite RQD confidence.

How does BHRB compare to TMP and WABC in the Financials sector?

Within the Financials sector (Major Banks), BHRB carries a Roarable C (64/100 RQD), trailing P/E of 12.2x, gross margin of β€”, and ROIC of 13.7%. By comparison, TMP (Tompkins Financial Corporation) holds a C- grade (59/100 RQD, P/E 9.1x, ROIC 17.2%, cap $1.43B) and WABC (Westamerica Bancorporation) posts a C+ grade (67/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.40B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BHRB?

Per BHRB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001964333), Burke & Herbert Financial Services Corp. generated $3.33B in revenue (+1.4% YoY), $117.3M in net income, and $96.2M in free cash flow against $7.92B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BHRB trading relative to its 50-day, 200-day, and 52-week technical levels?

BHRB last traded at $72.05 (+2.23% on volume of 90,776 shares), positioning the stock +2.50% above its 50-day simple moving average ($70.29) and +6.69% above its 200-day simple moving average ($67.53). Across its 52-week range of $58.31 to $75.09, BHRB sits at the 81.9% percentile with a 14-day RSI of 51.8 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.4% ($68.88 to $75.22).

Direct Sub-Reports: BHRB RQD Cockpit BHRB 12M Forecast BHRB Earnings & Move BHRB Dividends & DRIP BHRB Insiders & 13F BHRB Whale Options BHRB Profit Sankey BHRB News & Why
ROARABLE RATING BRIEF β€’ RQD 64/100 (C) βœ“ SEC XBRL & RQD VERIFIED

BHRB β€” Burke & Herbert Financial Services Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Burke & Herbert Financial Services Corp. (BHRB) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $72.05 (+2.23% 1D, market capitalization $1.42B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 13.7%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 6.71%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Burke & Herbert Financial Services Corp. (BHRB) is listed on NASDAQ and classified in the Financials sector, Major Banks industry. Market capitalization is reported at $1.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Burke & Herbert Financial Services Corp. (BHRB) reported $3.33B in annual revenue (up from $3.28B in FY2024, +1.4% YoY) and $117.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($256.1M revenue, $22.7M net income) through FY2025, BHRB scaled operating cash flow to $107.9M and free cash flow to $96.2M, backed by $7.92B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.71% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $58.31 – $75.09 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.2x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), BHRB carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can BHRB sustain or expand its β€” operating margin and 13.7% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.33B and free cash flow of $96.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is BHRB's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BHRB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Burke & Herbert Financial Services Corp. (BHRB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to BHRB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BHRB Bull vs. Bear Conversation Board β€” What's Your Call at $72.05?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BHRB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BHRB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER β€’ FCF Compounder Hunter πŸ‚ BULLISH 🎯 Target: $81.76 (+16.0%)
πŸ“Œ Pinned Debate

Insider-side conviction scores 17 of 20, the strongest pillar, while net income rose from $35.7M to $117.3M between FY 2024 and FY 2025

Picked up a starter position in BHRB in my $100K Virtual Cash book at $70.48. Insider-side conviction scores 17 of 20, the strongest pillar, while net income rose from $35.7M to $117.3M between FY 2024 and FY 2025.. Trading inside a $58.31–$75.09 52-week range with 6.71% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

CapAlloc_Nerd πŸ‚ BULL

@CashFlowKing Agree on the RQD 64/100 quality, though with 1.0 beta I'm scaling in with half-size at $70.48 and keeping dry powder in case we test $65.55.

FA FadeTheHype RQD DEBATE OPENER β€’ Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $52.86 (-25.0%)
Spot @ $70.48

The Roarable rating is only a Hold at 66 with a Piotroski F-Score of 4/9, and the stock trades near the top of its 52-week range after

Here is the bear case nobody on the bull side wants to address on BHRB: The Roarable rating is only a Hold at 66 with a Piotroski F-Score of 4/9, and the stock trades near the top of its 52-week range after an 80% run.. At 12.2x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

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