NASDAQ$BHRB

Burke & Herbert Financial Services Corp · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Burke & Herbert Bank reported Q4 2025, net income of $30M.

For Q4 2025, Burke & Herbert Bank reported net income of $30M. Management discusses segment performance, capital allocation, and outlook in the earnings filing.

  • Net income $30M.
  • Burke & Herbert Bank highlights liquidity, credit, and 2026 priorities.
  • Burke & Herbert Bank highlights liquidity, credit, and 2026 priorities.

Headline financials

Total Revenue

$86.6M

Previous: $82.5M+4.9%
EPS (adj)

$1.98

Previous: $1.77+11.9%
ROAA

1.5%

No prior period
ROAE

14.1%

No prior period
Gross Loans

$5.39B

No prior period
Total Deposits

$6.4B

No prior period
Loan-to-Deposit Ratio

84.1%

No prior period
Net Interest Margin

4.1%

No prior period
Total Liquidity

$4.8B

No prior period
CET1 Capital Ratio

13.2%

No prior period
Total Risk-Based Capital Ratio

15.9%

No prior period
Leverage Ratio

10.9%

No prior period
Cost of Deposits

1.8%

No prior period
Allowance for Credit Losses

$67.8M

No prior period
ACL as % of Loans

1.3%

No prior period
Net Income

$30M

No prior period
Operating Income

$38.1M

No prior period

Revenue & EPS history

Burke & Herbert Financial · Revenue · Quarterly

$86.6M

Q4 2025+4.9%vs Q4 2024
Beat estimate in 2 of 6 quarters(33%)
ActualEstimate

Forward guidance

The release discusses Burke & Herbert Bank's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Burke & Herbert Bank cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and shareholder returns.
  • Net interest margin and loan/deposit growth support the regional banking outlook.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.
  • Credit costs and funding competition remain key risks for banks.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.0%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+0.0%

Avg return

30 days after

30%

11 / 37 earnings

Positive

+6.1%

Q2 2024

Best reaction

-4.6%

Q4 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.9%+0.5%-2.6%
Q4 2025-4.1%-5.3%+1.5%
Q3 2025-0.3%-4.1%+5.9%
Q2 2025-1.1%+0.1%+2.0%
Q1 2025+2.5%+0.8%+2.0%
Q4 2024+1.1%+3.1%+1.0%
Q3 2024+1.0%+0.8%+7.7%
Q2 2024+6.1%+5.7%+4.5%
Q1 2024-0.1%-3.7%-10.1%
Q4 2021-4.6%-4.3%-3.5%
Q4 2023-4.6%-4.3%-3.5%
Q3 2022-0.0%+4.9%+22.6%
Q3 2023-0.0%+4.9%+22.6%
Q2 2022+3.9%+1.0%-6.3%
Q2 2023+2.0%+0.9%-5.9%
Q4 2022-0.6%-0.5%-22.2%
Q1 2023-0.6%-0.5%-22.2%
Q1 2022-0.6%+0.3%+3.4%
Q3 2021+0.0%-0.7%+0.2%
Q2 2021+0.0%-0.1%-0.3%
Q1 2021-1.3%-2.5%+3.8%
Q4 2020-1.1%-0.6%+4.1%
Q3 2020-0.2%-0.2%+4.1%
Q2 2020-0.3%-0.3%-3.7%
Q1 2020+3.9%-0.9%+0.4%
Q4 2019+0.5%+0.4%-1.0%
Q3 2019+0.0%-1.3%+0.2%
Q2 2019+0.6%+0.7%-9.2%
Q1 2019-1.7%-2.0%-4.3%
Q4 2018+0.0%+0.1%+0.4%
Q3 2018-0.9%-0.7%-0.3%
Q2 2018+0.0%+0.0%+0.2%
Q1 2018-0.2%+0.0%+1.3%
Q4 2017+0.0%+0.0%+4.8%
Q3 2017+0.4%+0.7%+1.3%
Q2 2017+0.0%+0.0%+1.0%
Q1 2017+0.0%+0.2%+0.7%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro