BHRB Burke & Herbert Financial Services Corp. - Common Stock
$72.08
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$57–$75
83% of range
Analyst Rating
BUY
10 analysts
Price Target
$80
+11% upside
P/E (TTM)
9.3
ROE
14.3%
Net Profit Margin
34.3%
BHRB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$72.08
Market Cap
$1.08B
P/E (TTM)
9.3
EPS (TTM)
$7.72
Revenue (TTM)
—
Div Yield
3.1%
ROE
14.3%
Debt/Equity
0.5
52W Range
$57 – $75
BHRB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$7.72
2021-12-31
→
2025-12-31
Free Cash Flow
$96M
2024-12-31
→
2025-12-31
Margins
34.3%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
BHRB
Peer Median
P/E (TTM)
9.3
12.8
P/S (TTM)
3.2
2.7
P/B
1.3
1.0
Price / FCF
11.3
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
BHRB
Peer Median
Net Profit Margin
34.3%
28.4%
ROA
1.5%
1.2%
ROE
14.3%
10.2%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
BHRB
Peer Median
Debt / Equity
0.5
—
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
BHRB
Peer Median
Revenue YoY
30.6%
—
Revenue CAGR 3Y
41.5%
—
EPS YoY
173.8%
—
Net Income YoY
228.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
BHRB
Peer Median
Payout Ratio
28.9%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.1%
Payout Ratio
28.9%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 14, 2026 | $0.5500 |
| May 15, 2026 | $0.5500 |
| Feb. 13, 2026 | $0.5500 |
| Nov. 14, 2025 | $0.5500 |
| Aug. 15, 2025 | $0.5500 |
| May 15, 2025 | $0.5500 |
| Feb. 14, 2025 | $0.5500 |
| Nov. 15, 2024 | $0.5500 |
| Aug. 15, 2024 | $0.5300 |
| May 14, 2024 | $0.5300 |
| Feb. 14, 2024 | $0.5300 |
| Nov. 14, 2023 | $0.5300 |
| Aug. 14, 2023 | $0.5300 |
| May 12, 2023 | $0.5300 |
| Feb. 14, 2023 | $0.5300 |
| Nov. 17, 2022 | $0.5300 |
| Aug. 12, 2022 | $0.5300 |
| May 13, 2022 | $0.5300 |
| Feb. 14, 2022 | $0.5300 |
| Nov. 12, 2021 | $0.5000 |
BHRB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
10 analysts
- Strong Buy 2 20.0%
- Buy 6 60.0%
- Hold 2 20.0%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
4 analysts · 2026-08-18
Median
$81.50
Mean
$80.00
← Below all targets
$72.08
Low
$75.00
High
$82.00
Median target
$81.50
+13.1%
Mean target
$80.00
+11.0%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.17%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.50 | $1.64 | -1.1% |
| March 31, 2026 | $1.79 | $1.94 | -0.15% |
| Dec. 31, 2025 | $1.98 | $1.91 | 0.07% |
| Sept. 30, 2025 | $1.97 | $1.87 | 0.10% |
| June 30, 2025 | $1.97 | $1.86 | 0.11% |
| March 31, 2025 | $1.80 | $1.80 | -0.00% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| BHRB | $936M | 8.1 | 30.6% | 34.3% | 14.3% | — |
| OBK | — | 15.7 | 9.9% | — | — | — |
| LKFN | $1.44B | 14.2 | 6.1% | 38.4% | 14.3% | — |
| AMAL | $955M | 9.4 | 4.1% | 31.8% | 13.5% | — |
| PEBO | — | 10.0 | 2.3% | 123.1% | 9.0% | — |
| ESQ | $873M | 17.4 | 17.4% | 34.7% | 18.4% | — |
| PFBC | — | — | — | — | — | — |
| CTBI | $1.02B | 10.4 | 13.7% | 34.7% | 11.8% | — |
| WABC | $1.18B | 10.6 | -12.2% | 45.0% | 12.5% | — |
| FMBH | $935M | 10.2 | 7.4% | 26.3% | 9.9% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Interest Expense | · | · | $53M | $9M | $4M | |
| Interest Income | $445M | $367M | $148M | $113M | $101M | |
| Pretax Income | $145M | $40M | $25M | $52M | $40M | |
| Income Tax | $28M | $4M | $2M | $8M | $4M | |
| Net Income | $117M | $36M | $23M | $44M | $36M | |
| EPS (Basic) | $7.76 | $2.83 | $3.05 | $5.93 | $4.87 | |
| EPS (Diluted) | $7.72 | $2.82 | $3.02 | $5.89 | $4.87 | |
| Shares (Basic) | 15,006,614 | 12,393,677 | 7,428,042 | 7,425,088 | 7,424,405 | |
| Shares (Diluted) | 15,073,859 | 12,441,831 | 7,506,855 | 7,467,717 | 7,430,064 | |
| EBITDA | $7M | $6M | · | · | · |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| PP&E (Net) | $137M | $132M | $61M | $53M | · | |
| PP&E (Gross) | $162M | $170M | $96M | $90M | · | |
| Accum. Depreciation | $25M | $38M | $35M | $37M | · | |
| Goodwill | $34M | $33M | $0 | $0 | $0 | |
| Intangibles | $42M | $57M | $0 | · | · | |
| Total Assets | $7.92B | $7.81B | $3.62B | $3.56B | · | |
| Short-term Debt | $450M | $365M | $272M | · | · | |
| Total Liabilities | $7.07B | $7.08B | $3.30B | $3.29B | · | |
| Total Debt | $450M | $365M | · | · | · | |
| Common Stock | $8M | $8M | $4M | $4M | · | |
| Paid-in Capital | · | · | $14M | $12M | · | |
| Retained Earnings | $517M | $434M | $427M | $424M | · | |
| Treasury Stock | $28M | $28M | $28M | $28M | · | |
| AOCI | $-59M | $-96M | $-103M | $-139M | · | |
| Stockholders' Equity | $855M | $730M | $315M | $273M | $390M | |
| Liabilities + Equity | $7.92B | $7.81B | $3.62B | $3.56B | · | |
| Shares Outstanding | 15,028,524 | 14,969,104 | 7,428,710 | 7,425,760 | 7,423,760 |
Cash Flow 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| D&A | $7M | $6M | $3M | $3M | $3M | |
| Stock-based Comp | $5M | $3M | $2M | $2M | $283.0K | |
| Deferred Tax | $13M | $-2M | $-1M | $1M | $-2M | |
| Amort. of Intangibles | $16M | $11M | $0 | $0 | · | |
| Other Non-cash | $-34M | $43M | · | · | · | |
| Operating Cash Flow | $108M | $86M | $43M | $61M | $55M | |
| CapEx | $12M | $5M | $14M | $23M | $1M | |
| Investing Cash Flow | $137M | $124M | $-43M | $-127M | $-384M | |
| Stock Issued | $30.0K | $3M | $0 | $0 | · | |
| Net Stock Activity | $30.0K | $3M | · | · | · | |
| Dividends Paid | $34M | $29M | $16M | $16M | $15M | |
| Financing Cash Flow | $-91M | $-119M | $-5M | $39M | $178M | |
| Net Change in Cash | $154M | $91M | $-6M | $-27M | $-151M | |
| Free Cash Flow | $96M | $81M | · | · | · |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Net Margin | 34.3% | 13.6% | · | · | · | |
| Pretax Margin | 42.4% | 15.2% | · | · | · | |
| EBITDA Margin | 2.0% | 2.2% | · | · | · | |
| ROA | 1.5% | 0.62% | · | · | · | |
| ROE | 14.3% | 4.9% | · | · | · |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.5 | 0.5 | · | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | · | · |
Growth Rates 6
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue YoY | 30.6% | 134.5% | -7.5% | 6.1% | · | |
| Revenue CAGR 3Y | 41.5% | 32.0% | · | · | · | |
| EPS YoY | 173.8% | -6.6% | -48.7% | 20.9% | · | |
| EPS CAGR 3Y | 9.4% | -16.7% | · | · | · | |
| Net Income YoY | 228.5% | 57.4% | -48.4% | 21.7% | · | |
| Net Income CAGR 3Y | 38.6% | -0.42% | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue TTM | $342M | $262M | $112M | · | · | |
| Net Income TTM | $117M | $36M | $23M | · | · | |
| Market Cap | $936M | $933M | · | · | · | |
| P/E | 8.1 | 22.1 | 20.8 | · | · | |
| P/S | 2.7 | 3.6 | · | · | · | |
| P/B | 1.1 | 1.3 | · | · | · | |
| P / Tangible Book | 1.2 | 1.5 | 1.5 | · | · | |
| P / Cash Flow | 8.7 | 10.9 | · | · | · | |
| P / FCF | 9.7 | 11.5 | · | · | · | |
| Dividend Yield | 3.6% | 3.1% | · | · | · | |
| Earnings Yield | 12.4% | 4.5% | 4.8% | · | · | |
| Payout Ratio | 28.9% | 80.2% | · | · | · | |
| Annual Payout | $34M | $29M | $16M | · | · |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $17M | · | $14M | $13M | $10M | · | $3M | |
| Interest Income | $137M | $105M | $111M | $111M | $112M | $111M | $114M | $119M | $96M | $39M | $39M | $37M | $37M | $34M | $33M | $29M | |
| Pretax Income | $12M | $33M | $38M | $37M | $37M | $33M | $20M | $33M | $-19M | $6M | $6M | $5M | $7M | $8M | $16M | $13M | |
| Income Tax | $3M | $6M | $8M | $7M | $7M | $6M | $465.0K | $5M | $-2M | $678.0K | $500.0K | $464.0K | $821.0K | $584.0K | $2M | $2M | |
| Net Income | $9M | $27M | $30M | $30M | $30M | $27M | $20M | $28M | $-17M | $5M | $5M | $4M | $6M | $8M | $13M | $11M | |
| EPS (Basic) | $0.50 | $1.80 | $2.00 | $1.98 | $1.98 | $1.80 | $1.71 | $1.83 | $-1.41 | $0.70 | $0.68 | $0.55 | $0.81 | $1.01 | $1.80 | $1.50 | |
| EPS (Diluted) | $0.50 | $1.79 | $1.98 | $1.97 | $1.97 | $1.80 | $1.72 | $1.82 | $-1.41 | $0.69 | $0.67 | $0.55 | $0.80 | $1.00 | $1.78 | $1.49 | |
| Shares (Basic) | 18,416,204 | 15,037,330 | -29,990,578 | 15,021,852 | 14,998,857 | 14,976,483 | -22,158,935 | 14,944,962 | 12,174,169 | 7,433,481 | -14,855,385 | 7,428,710 | 7,428,079 | 7,426,638 | -14,849,478 | 7,425,760 | |
| Shares (Diluted) | 18,499,030 | 15,131,481 | -30,088,737 | 15,112,413 | 15,023,807 | 15,026,376 | -22,299,972 | 15,040,145 | 12,174,169 | 7,527,489 | -15,011,851 | 7,499,278 | 7,514,955 | 7,504,473 | -14,907,920 | 7,467,693 | |
| EBITDA | · | $2M | · | · | · | $2M | · | · | · | $820.0K | · | · | · | $684.0K | · | · |
Balance Sheet 17
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $151M | $137M | $137M | $136M | $134M | $132M | $132M | $135M | $136M | $62M | · | $58M | $56M | $55M | · | · | |
| PP&E (Gross) | · | · | $162M | · | · | · | $170M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $25M | · | · | · | $38M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $118M | $36M | $34M | $34M | $34M | $33M | $33M | $33M | $33M | · | $0 | · | · | · | $0 | · | |
| Intangibles | $81M | $38M | $42M | $45M | $49M | $53M | $57M | $62M | $66M | · | · | · | · | · | · | · | |
| Total Assets | $10.99B | $7.93B | $7.92B | $7.89B | $8.05B | $7.84B | $7.81B | $7.86B | $7.81B | $3.70B | · | $3.59B | $3.57B | $3.67B | · | · | |
| Short-term Debt | $525M | $525M | $450M | $450M | $650M | $300M | $365M | $320M | $285M | · | · | · | · | · | · | · | |
| Total Liabilities | $9.79B | $7.06B | $7.07B | $7.07B | $7.27B | $7.08B | $7.08B | $7.13B | $7.12B | $3.38B | · | $3.31B | $3.28B | $3.38B | · | · | |
| Total Debt | $525M | $525M | · | $450M | $650M | $300M | · | $320M | $285M | · | · | · | · | · | · | · | |
| Common Stock | $10M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $4M | · | $4M | $4M | $4M | · | · | |
| Paid-in Capital | · | · | · | · | · | · | · | · | · | $15M | · | $14M | $13M | $13M | · | · | |
| Retained Earnings | $534M | $536M | $517M | $495M | $474M | $453M | $434M | $423M | $403M | $429M | · | $427M | $427M | $425M | · | · | |
| Treasury Stock | $28M | $28M | $28M | $28M | $28M | $28M | $28M | $28M | $28M | $28M | · | $28M | $28M | $28M | · | · | |
| AOCI | $-60M | $-69M | $-59M | $-68M | $-88M | $-88M | $-96M | $-76M | $-100M | $-101M | · | $-146M | $-126M | $-124M | · | · | |
| Stockholders' Equity | $1.20B | $865M | $855M | $822M | $780M | $758M | $730M | $738M | $693M | $319M | $315M | $271M | $290M | $290M | $273M | · | |
| Liabilities + Equity | $10.99B | $7.93B | $7.92B | $7.89B | $8.05B | $7.84B | $7.81B | $7.86B | $7.81B | $3.70B | · | $3.59B | $3.57B | $3.67B | · | · | |
| Shares Outstanding | 20,165,171 | 15,045,941 | 15,028,524 | 15,028,524 | 15,007,712 | 14,982,807 | 14,969,104 | 14,963,003 | 14,932,169 | 7,440,025 | 7,428,710 | 7,428,710 | 7,428,710 | 7,427,840 | 7,425,760 | · |
Cash Flow 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $820.0K | $822.0K | $696.0K | $670.0K | $684.0K | $794.0K | $737.0K | |
| Stock-based Comp | $3M | $1M | $1M | $1M | $1M | $1M | $695.0K | $688.0K | $864.0K | $632.0K | $666.0K | $610.0K | $607.0K | $581.0K | $508.0K | $493.0K | |
| Deferred Tax | $-14M | $2M | $3M | $-1M | $13M | $-1M | $40M | $-3M | $-39M | $741.0K | $648.0K | $-541.0K | $-326.0K | $-1M | $642.0K | $144.0K | |
| Amort. of Intangibles | $6M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $0 | $0 | $0 | $0 | · | · | · | |
| Other Non-cash | · | $-6M | · | · | · | $9M | · | · | · | $-316.0K | · | · | · | $3M | · | · | |
| Operating Cash Flow | $313.0K | $27M | $31M | $39M | $41.0K | $38M | $77M | $21M | $-46M | $7M | $10M | $9M | $12M | $11M | $12M | $18M | |
| CapEx | $2M | $2M | $3M | $4M | $3M | $2M | $294.0K | $2M | $1M | $2M | $8M | $2M | $2M | $3M | $1M | $21M | |
| Investing Cash Flow | $210M | $-241M | $143M | $-15M | $-14M | $23M | $-79M | $64M | $236M | $-71M | $7M | $-75M | $56M | $-31M | $-42M | $-16M | |
| Stock Issued | $18.0K | $9.0K | $-105.0K | $0 | $32.0K | $103.0K | $625.0K | $839.0K | $959.0K | $819.0K | $0 | $0 | $0 | $0 | · | · | |
| Net Stock Activity | · | $9.0K | · | · | · | $103.0K | · | · | · | $819.0K | · | · | · | · | · | · | |
| Dividends Paid | $11M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | |
| Financing Cash Flow | $-113M | $-5M | $-17M | $-217M | $190M | $-47M | $-154M | $-5M | $-32M | $73M | $-14M | $26M | $-104M | $87M | $39M | $-54M | |
| Net Change in Cash | $98M | $-220M | $157M | $-193M | $176M | $14M | $-156M | $80M | $158M | $10M | $3M | $-39M | $-36M | $67M | $9M | $-52M | |
| Free Cash Flow | · | $25M | · | · | · | $36M | · | · | · | $6M | · | · | · | $8M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-9M | · | · | · | $-610.8K | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 8.9% | 32.3% | · | 35.1% | 34.3% | 32.8% | · | 33.0% | -24.4% | 19.8% | · | 14.9% | 21.2% | 26.0% | · | · | |
| Pretax Margin | 11.2% | 39.3% | · | 43.4% | 42.7% | 39.6% | · | 39.2% | -27.5% | 22.3% | · | 16.6% | 24.1% | 28.0% | · | · | |
| EBITDA Margin | · | 2.2% | · | · | · | 2.0% | · | · | · | 3.1% | · | · | · | 2.4% | · | · | |
| ROA | 0.10% | 0.35% | · | 0.38% | 0.38% | 0.47% | · | 0.48% | -0.30% | 0.14% | · | 0.23% | 0.34% | 0.41% | · | · | |
| ROE | 0.96% | 3.4% | · | 3.8% | 4.1% | 5.1% | · | 5.5% | -3.4% | 1.7% | · | 3.0% | 4.2% | 5.2% | · | · |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.4 | 0.6 | · | 0.5 | 0.8 | 0.4 | · | 0.4 | 0.4 | · | · | · | · | · | · | · |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | · |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $364M | $340M | · | $339M | $323M | $262M | · | $207M | $151M | $111M | · | $116M | $118M | $118M | · | · | |
| Net Income TTM | $97M | $114M | · | $115M | $68M | $43M | · | $20M | $-2M | $23M | · | $29M | $35M | $38M | · | · | |
| Market Cap | $1.45B | $937M | · | $927M | $896M | $841M | · | $913M | $761M | $417M | · | $345M | $477M | $546M | · | · | |
| P/E | 11.5 | 8.3 | · | 8.2 | 14.3 | 19.3 | · | 37.0 | 80.9 | 18.4 | · | 12.1 | 13.7 | 14.4 | · | · | |
| P/S | 4.0 | 2.8 | · | 2.7 | 2.8 | 3.2 | · | 4.4 | 5.0 | 3.8 | · | 3.0 | 4.0 | 4.6 | · | · | |
| P/B | 1.2 | 1.1 | · | 1.1 | 1.1 | 1.1 | · | 1.2 | 1.1 | 1.3 | · | 1.3 | 1.6 | 1.9 | · | · | |
| P / Tangible Book | 1.4 | 1.2 | · | 1.2 | 1.3 | 1.3 | · | 1.4 | 1.3 | 1.3 | · | 1.3 | 1.6 | 1.9 | · | · | |
| P / Cash Flow | · | 35.4 | · | · | · | 22.3 | · | · | · | 58.8 | · | · | · | 50.0 | · | · | |
| P / FCF | · | 38.1 | · | · | · | 23.4 | · | · | · | 74.6 | · | · | · | 66.1 | · | · | |
| Earnings Yield | 8.7% | 12.1% | · | 12.2% | 7.0% | 5.2% | · | 2.7% | 1.2% | 5.4% | · | 8.3% | 7.3% | 7.0% | · | · | |
| Payout Ratio | · | 31.1% | · | · | · | 31.1% | · | · | · | 75.6% | · | · | · | 52.3% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $117M | $36M | $23M | $44M | $36M |
| Diluted EPS | $7.72 | $2.82 | $3.02 | $5.89 | $4.87 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.5 | 0.5 | — | — | — |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $96M | $81M | — | — | — |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 218 filers · $517.5M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 72 (+46 vs prior Q) | 17 (+1 vs prior Q) | 79 (+36 vs prior Q) | 29 (-16 vs prior Q) | +2.5M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $53,904,270 | 750,129 | 10.42% | Shares |
| VANGUARD GROUP INC | $42,238,703 | 677,880 | 8.16% | Shares |
| STATE STREET CORP | $40,065,327 | 557,547 | 7.74% | Shares |
| AMERICAN CENTURY COMPANIES INC | $35,154,774 | 489,212 | 6.79% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $32,996,387 | 459,176 | 6.38% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $30,908,998 | 430,128 | 5.97% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $28,823,941 | 401,044 | 5.57% | Shares |
| ALLIANCEBERNSTEIN L.P. | $20,268,419 | 325,388 | 3.92% | Shares |
| HUTCHINSON CAPITAL MANAGEMENT/CA | $18,617,489 | 259,080 | 3.60% | Shares |
| BURKE & HERBERT BANK & TRUST CO | $14,613,953 | 203,367 | 2.82% | Shares |
| GOLDMAN SACHS GROUP INC | $11,144,911 | 155,092 | 2.15% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $10,537,910 | 146,645 | 2.04% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $9,948,155 | 138,438 | 1.92% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $8,338,706 | 116,041 | 1.61% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $7,980,556 | 111,057 | 1.54% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,505,346 | 104,444 | 1.45% | Shares |
| TWO SIGMA INVESTMENTS, LP | $6,943,832 | 96,630 | 1.34% | Shares |
| Fourthstone LLC | $6,145,892 | 84,248 | 1.19% | Shares |
| BANC FUNDS CO LLC | $5,919,396 | 82,374 | 1.14% | Shares |
| Verdence Capital Advisors LLC | $5,658,688 | 78,746 | 1.09% | Shares |
| Bank of New York Mellon Corp | $5,649,346 | 78,616 | 1.09% | Shares |
| Empowered Funds, LLC | $5,140,290 | 71,532 | 0.99% | Shares |
| JUPITER ASSET MANAGEMENT LTD | $4,616,143 | 64,238 | 0.89% | Shares |
| Stieven Capital Advisors, L.P. | $4,594,728 | 63,940 | 0.89% | Shares |
| Numerai GP LLC | $3,952,516 | 55,003 | 0.76% | Shares |
| ROYCE & ASSOCIATES LP | $3,950,360 | 54,973 | 0.76% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $3,766,614 | 52,416 | 0.73% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $3,031,702 | 42,189 | 0.59% | Shares |
| Voleon Capital Management LP | $2,692,163 | 37,464 | 0.52% | Shares |
| Russell Investments Group, Ltd. | $2,471,984 | 34,400 | 0.48% | Shares |
| BANK OF AMERICA CORP /DE/ | $2,400,698 | 33,408 | 0.46% | Shares |
| Swiss National Bank | $2,392,938 | 33,300 | 0.46% | Shares |
| XTX Topco Ltd | $2,352,481 | 32,737 | 0.45% | Shares |
| Kestra Advisory Services, LLC | $2,272,234 | 31,620 | 0.44% | Shares |
| D. E. Shaw & Co., Inc. | $1,911,404 | 26,599 | 0.37% | Shares |
| Qube Research & Technologies Ltd | $1,871,737 | 26,047 | 0.36% | Shares |
| Moors & Cabot, Inc. | $1,786,296 | 24,858 | 0.35% | Shares |
| FIRST TRUST ADVISORS LP | $1,779,828 | 24,768 | 0.34% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,768,403 | 24,609 | 0.34% | Shares |
| FIFTH THIRD BANCORP | $1,572,009 | 21,876 | 0.30% | Shares |
| BARCLAYS PLC | $1,519,121 | 21,140 | 0.29% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,506,545 | 20,965 | 0.29% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $1,501,514 | 20,895 | 0.29% | Shares |
| RHUMBLINE ADVISERS | $1,475,419 | 20,532 | 0.29% | Shares |
| SALZHAUER MICHAEL | $1,452,914 | 20,219 | 0.28% | Shares |
| Quantinno Capital Management LP | $1,449,847 | 20,176 | 0.28% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $1,312,235 | 18,261 | 0.25% | Shares |
| Quadrature Capital Ltd | $1,291,612 | 17,974 | 0.25% | Shares |
| CITADEL ADVISORS LLC | $1,146,023 | 15,948 | 0.22% | Shares |
| Enhancing Capital LLC | $1,114,405 | 15,508 | 0.22% | Shares |
| DEUTSCHE BANK AG\ | $1,111,243 | 15,464 | 0.21% | Shares |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $1,084,583 | 15,093 | 0.21% | Shares |
| FRANKLIN RESOURCES INC | $1,075,600 | 14,968 | 0.21% | Shares |
| Wealthspire Advisors, LLC | $981,234 | 13,655 | 0.19% | Shares |
| Balyasny Asset Management L.P. | $975,571 | 13,576 | 0.19% | Shares |
| Wealth Management Associates, Inc. | $960,696 | 13,369 | 0.19% | Shares |
| BlackRock, Inc. | $952,001 | 13,248 | 0.18% | Shares |
| BROWN ADVISORY INC | $948,552 | 13,200 | 0.18% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $945,893 | 13,163 | 0.18% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $874,083 | 12,434 | 0.17% | Shares |
| Baird Financial Group, Inc. | $870,943 | 12,120 | 0.17% | Shares |
| DAVENPORT & Co LLC | $862,176 | 11,998 | 0.17% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $823,972 | 13,228 | 0.16% | Shares |
| MANGROVE PARTNERS IM, LLC | $792,903 | 11,034 | 0.15% | Shares |
| Quattro Advisors LLC | $766,721 | 10,670 | 0.15% | Shares |
| HoldCo Asset Management, LP | $753,093 | 10,480 | 0.15% | Shares |
| Rafferty Asset Management, LLC | $734,553 | 10,222 | 0.14% | Shares |
| MetLife Investment Management, LLC | $681,880 | 9,489 | 0.13% | Shares |
| Pacific Ridge Capital Partners, LLC | $661,328 | 9,203 | 0.13% | Shares |
| AMERIPRISE FINANCIAL INC | $646,956 | 9,003 | 0.13% | Shares |
| VOLORIDGE INVESTMENT MANAGEMENT, LLC | $625,972 | 8,711 | 0.12% | Shares |
| J.W. COLE ADVISORS, INC. | $609,610 | 8,483 | 0.12% | Shares |
| LPL Financial LLC | $600,859 | 8,362 | 0.12% | Shares |
| Summit Trail Advisors, LLC | $594,138 | 8,268 | 0.11% | Shares |
| Modera Wealth Management, LLC | $589,252 | 8,200 | 0.11% | Shares |
| Schonfeld Strategic Advisors LLC | $584,436 | 8,133 | 0.11% | Shares |
| ALPS ADVISORS INC | $580,701 | 8,081 | 0.11% | Shares |
| &PARTNERS | $574,880 | 8,000 | 0.11% | Shares |
| Sandy Spring Bank | $571,761 | 10,190 | 0.11% | Shares |
| Brandywine Global Investment Management, LLC | $570,137 | 9,150 | 0.11% | Shares |
| ExodusPoint Capital Management, LP | $569,347 | 7,923 | 0.11% | Shares |
| JPMORGAN CHASE & CO | $561,582 | 7,803 | 0.11% | Shares |
| Jain Global LLC | $555,190 | 7,726 | 0.11% | Shares |
| Passive Capital Management, LLC. | $543,032 | 8,715 | 0.10% | Shares |
| LifeGuide Financial Advisors, LLC | $541,824 | 7,540 | 0.10% | Shares |
| Vanguard Global Advisers, LLC | $537,800 | 7,484 | 0.10% | Shares |
| FOLGER NOLAN FLEMING DOUGLAS CAPITAL MANAGEMENT, INC | $529,226 | 7,365 | 0.10% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $511,571 | 7,119 | 0.10% | Shares |
| Aigen Investment Management, LP | $498,062 | 6,931 | 0.10% | Shares |
| LS Investment Advisors, LLC | $492,672 | 6,856 | 0.10% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $482,468 | 6,714 | 0.09% | Shares |
| Pathstone Holdings, LLC | $476,144 | 6,626 | 0.09% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $464,144 | 6,459 | 0.09% | Shares |
| SEI INVESTMENTS CO | $461,916 | 6,428 | 0.09% | Shares |
| TCTC Holdings, LLC | $452,934 | 6,303 | 0.09% | Shares |
| Invesco Ltd. | $444,095 | 6,180 | 0.09% | Shares |
| OSAIC HOLDINGS, INC. | $439,753 | 6,118 | 0.08% | Shares |
| Alliance Wealth Strategies, LLC d/b/a Brown Edwards Wealth Strategies | $408,524 | 5,685 | 0.08% | Shares |
| Sequoia Financial Advisors, LLC | $407,016 | 5,664 | 0.08% | Shares |
| JANUS HENDERSON GROUP PLC | $386,198 | 6,200 | 0.07% | Shares |
Company insiders 21 insiders · 5 officers · 8 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| David P Boyle | Chair & CEO | July 28, 2026 G | 65,184 | 0 | 0 | $0 |
| Carl D Lundblad | EVP, Chief Operating Officer | June 3, 2026 A | 26,672 | 0 | 0 | $0 |
| Robert S Tissue | EVP, Balance Sheet Strategy | July 30, 2026 M | 58,064 | 0 | 0 | $0 |
| Bradford E Ritchie | EVP, Chief Lending Officer | July 16, 2026 M | 23,605 | 0 | 0 | $0 |
| Angela R Zirk | EVP, Chief Experience Officer | July 1, 2026 M | 3,287 | 0 | 0 | $0 |
| James P Geary II | Director | Aug. 14, 2026 S | 9,457 | 0 | 3 | $-462,286 |
| Samuel Laing Hinson III | Director | June 19, 2026 A | 28,560 | 0 | 0 | $0 |
| Mark Guthrie Anderson | Director | June 19, 2026 A | 28,700 | 0 | 0 | $0 |
| Jose David Riojas | Director | June 19, 2026 A | 12,500 | 0 | 0 | $0 |
| Kristen Snyder | Director | June 19, 2026 A | 9,418 | 0 | 0 | $0 |
| Charles Piccirillo | Director | June 19, 2026 A | 21,320 | 0 | 0 | $0 |
| Gary L Hinkle | Director | Sept. 15, 2025 P | 250,159 | 2 | 0 | $104,870 |
| Diane Poillon | — | Aug. 12, 2026 P | 4,128 | 1 | 0 | $88,404 |
| James Mason Burke | — | Aug. 11, 2026 S | 258,480 | 0 | 1 | $-109,545 |
| Shawn Patrick Mclaughlin | — | Aug. 6, 2026 P | 71,000 | 1 | 0 | $73,250 |
| Julian Forrest Barnwell Jr. | — | Aug. 4, 2026 J | 91,361 | 1 | 0 | $313,796 |
| David Wilson | — | Aug. 4, 2026 P | 232 | 2 | 0 | $9,873 |
| Katherine Diane Bonnafe | — | Aug. 3, 2026 S | 8,200 | 0 | 1 | $-73,650 |
| Georgette R. George | — | Aug. 3, 2026 S | 38,321 | 0 | 1 | $-73,670 |
| Danyl R Freeman | — | July 29, 2026 F | 4,684 | 0 | 0 | $0 |
| Charles H Maddy III | — | June 29, 2026 F | 50,845 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 45 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| SVAL · iShares Trust | 0.43% | 12,244 SH | Aug. 8, 2026 | Daily |
| IWC · iShares Trust | 0.26% | 52,598 SH | Aug. 8, 2026 | Daily |
| BFOR · ALPS ETF Trust | 0.24% | 7,947 NS | May 31, 2026 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.11% | 8,630 NS | April 30, 2026 | N-PORT |
| FSMD · FIDELITY COVINGTON TRUST | 0.09% | 33,962 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.08% | 354,567 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.07% | 143,177 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.07% | 13,502 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.06% | 28,170 NS | May 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.06% | 6,948 SH | Aug. 8, 2026 | Daily |
| ISCV · iShares Trust | 0.04% | 4,093 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.04% | 405,043 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 1,285 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.03% | 88,940 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.03% | 5,886 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.03% | 773 NS | May 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 10,073 SH | Aug. 8, 2026 | Daily |
| SCHA · SCHWAB STRATEGIC TRUST | 0.02% | 80,617 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.02% | 47,320 NS | April 30, 2026 | N-PORT |
| ISCB · iShares Trust | 0.02% | 812 SH | Aug. 8, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 24,066 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.02% | 604 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.01% | 1,329 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 612 NS | May 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 3,786 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 193,321 SH | Aug. 8, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 26,869 SH | Aug. 8, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 20,582 NS | April 30, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 820 SH | Aug. 8, 2026 | Daily |
| TILT · FlexShares Trust | 0.01% | 2,310 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 346 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.01% | 625 NS | May 31, 2026 | N-PORT |
| ONEQ · Fidelity Commonwealth Trust | 0.01% | 8,539 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 15 NS | May 31, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 8,414 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,265 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 3,657 NS | April 30, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 19,690 SH | Aug. 8, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 497 NS | April 30, 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0.00% | 9,936 NS | May 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,983 SH | Aug. 8, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 3,123 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,982 NS | April 30, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 539,486 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,190 SH | Aug. 8, 2026 | Daily |