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Burke & Herbert Financial Services (NAS:BHRB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Burke & Herbert Financial Services Net Margin % Related Terms
Burke & Herbert Financial Services Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, Burke & Herbert Financial Services's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Burke & Herbert Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Burke & Herbert Financial Services's Net Margin % 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 Net Margin % of 8.99% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Burke & Herbert Financial Services and its competitors. This is 73% below median its historical median of 33.39. Over the past decade, Burke & Herbert Financial Services' Net Margin % has ranged from 13.92 to 37.72. According to the industry distribution chart, Burke & Herbert Financial Services ranks #776 out of 1526 companies in the Banks industry, placing it in the top 50.9%.
Is Burke & Herbert Financial Services' Net Margin % too high?
Burke & Herbert Financial Services' current Net Margin % of 8.99% is 73% below median its 10-year median of 33.39. Over the past 10 years, this metric has ranged from a low of 13.92 to a high of 37.72. The Banks industry median Net Margin % is 27.27. Burke & Herbert Financial Services' value of 8.99% is 67% below this industry median. Based on the distribution chart, Burke & Herbert Financial Services ranks #776 out of 1526 companies in the Banks industry, which is below 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' Net Margin % compare to PEBO and TMP?
According to the Banks industry distribution chart, Burke & Herbert Financial Services ranks #776 out of 1526 companies for Net Margin %. This places Burke & Herbert Financial Services in the lower half of its industry. The industry median Net Margin % is 27.27. Burke & Herbert Financial Services' value of 8.99% is 67% below this benchmark. Historically, Burke & Herbert Financial Services' own Net Margin % has ranged from 13.92 to 37.72 over the past decade. While the company's 10-year median is 33.39 vs. the industry median of 27.27, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.27, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Burke & Herbert Financial Services's current Net Margin % of 8.99% is 67% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Burke & Herbert Financial Services and its competitors. For the Banks industry, the median Net Margin % is 27.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Burke & Herbert Financial Services's current Net Margin % is 8.99%, which is 73% below median its own 10-year median of 33.39. 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 $70.79, compared to a current price of $72.34 — trading 2.2% above its estimated fair value. The current Net Margin % is 8.99%, which is 73% below median its 10-year median of 33.39 and 67% below the Banks industry median of 27.27. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Burke & Herbert Financial Services (BHRB), the current Net Margin % is 8.99% 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 $72.34 is trading 2.2% above its estimated GF Value™ of $70.79.
GuruFocus considers Burke & Herbert Financial Services to be Fairly Valued.
Key valuation signals for BHRB:
Net Margin %: 8.99% (73% below median its 10-year median of 33.39)
GF Value™: $70.79 vs. price of $72.34 (2.2% above fair value)
Industry Position: 67% below the Banks median (#776 of 1526)
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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