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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
BHRB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21 Med: 0.68 Max: 1.26
Current: 0.56
During the past 12 years, the highest Debt-to-Equity Ratio of Burke & Herbert Financial Services was 1.26. The lowest was 0.21. And the median was 0.68.
BHRB's Debt-to-Equity is ranked better than 51.87% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs BHRB: 0.56
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Burke & Herbert Financial Services Debt-to-Equity Related Terms
Burke & Herbert Financial Services Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Burke & Herbert Financial Services Debt-to-Equity Chart
BHRB vs PEBO, TMP, WABC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Burke & Herbert Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Burke & Herbert Financial Services Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Burke & Herbert Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Burke & Herbert Financial Services's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Burke & Herbert Financial Services (BHRB) has a Debt-to-Equity of 0.56 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Burke & Herbert Financial Services and its competitors. This is 18% below median its historical median of 0.68. Over the past decade, Burke & Herbert Financial Services' Debt-to-Equity has ranged from 0.21 to 1.26. According to the industry distribution chart, Burke & Herbert Financial Services ranks #683 out of 1419 companies in the Banks industry, placing it in the top 48.1%.
Is Burke & Herbert Financial Services' Debt-to-Equity too high?
Burke & Herbert Financial Services' current Debt-to-Equity of 0.56 is 18% below median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 1.26. The Banks industry median Debt-to-Equity is 0.58. Burke & Herbert Financial Services' value of 0.56 is 3.4% below this industry median. Based on the distribution chart, Burke & Herbert Financial Services ranks #683 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, Burke & Herbert Financial Services has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Burke & Herbert Financial Services' Debt-to-Equity compare to PEBO and TMP?
According to the Banks industry distribution chart, Burke & Herbert Financial Services ranks #683 out of 1419 companies for Debt-to-Equity. This puts Burke & Herbert Financial Services in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Burke & Herbert Financial Services' value of 0.56 is 3.4% below this benchmark. Historically, Burke & Herbert Financial Services' own Debt-to-Equity has ranged from 0.21 to 1.26 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 0.58, Burke & Herbert Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Burke & Herbert Financial Services's current Debt-to-Equity of 0.56 is 3.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Burke & Herbert Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Burke & Herbert Financial Services's current Debt-to-Equity is 0.56, which is 18% below median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Burke & Herbert Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Burke & Herbert Financial Services (BHRB) is currently considered Fairly Valued. The stock's GF Value™ is $70.81, compared to a current price of $70.92 — trading 0.1% above its estimated fair value. The current Debt-to-Equity is 0.56, which is 18% below median its 10-year median of 0.68 and 3.4% below the Banks industry median of 0.58. Burke & Herbert Financial Services' overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Burke & Herbert Financial Services (BHRB), the current Debt-to-Equity is 0.56 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Burke & Herbert Financial Services (BHRB) Overvalued in 2026?
Based on GuruFocus' analysis, Burke & Herbert Financial Services stock appears to be overvalued.
The current stock price of $70.92 is trading 0.1% above its estimated GF Value™ of $70.81.
GuruFocus considers Burke & Herbert Financial Services to be Fairly Valued.
Key valuation signals for BHRB:
Debt-to-Equity: 0.56 (18% below median its 10-year median of 0.68)
GF Value™: $70.81 vs. price of $70.92 (0.1% above fair value)
Industry Position: 3.4% below the Banks median (#683 of 1419)
No single metric tells the full story. See the BHRB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Burke & Herbert Financial Services Corp is the bank holding company. Through its subsidiary, it predominantly serves small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals with various banking products and financial services. Some of its products and service offerings include checking, savings, and money market accounts, certificates of deposit, treasury and cash management services, commercial and industrial loans, commercial real estate loans, residential mortgage, acquisition, construction, and development loans, online banking, mobile banking, and wealth and trust services. The company operates in a single segment, namely Community Banking.
67GF Score
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