Burke & Herbert Financial Services Corp. Announces Third Quarter 2025 Results and Declares Common Stock Dividend
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 23 2025
0mins
Source: PRnewswire
Financial Performance: Burke & Herbert Financial Services Corp. reported a net income of $29.7 million for Q3 2025, maintaining a diluted earnings per share of $1.97, with a return on average assets of 1.50% and a return on average equity of 14.88%.
Dividend Declaration: The board of directors declared a regular cash dividend of $0.55 per share, set to be paid on December 1, 2025, to shareholders of record by November 14, 2025.
Loan and Deposit Trends: Total gross loans decreased to $5.6 billion, while total deposits increased to $6.4 billion, resulting in a loan-to-deposit ratio of 86.7%. The company also reported strong loan originations and an increase in core deposits.
Capital Ratios and Asset Quality: The company remains well-capitalized with a Common Equity Tier 1 capital ratio of 12.7% and a total risk-based capital ratio of 15.4%, alongside adequate reserve coverage for asset quality metrics.
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Analyst Views on BHRB
Wall Street analysts forecast BHRB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BHRB is 74.00 USD with a low forecast of 74.00 USD and a high forecast of 74.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 64.400
Low
74.00
Averages
74.00
High
74.00
Current: 64.400
Low
74.00
Averages
74.00
High
74.00
About BHRB
Burke & Herbert Financial Services Corp. is a financial holding company for Burke & Herbert Bank & Trust Company (the Bank). The Bank offers a full range of business and personal financial solutions designed to meet customers' banking, borrowing, and investment needs. The Bank has over 77 branches across Delaware, Kentucky, Maryland, Virginia, and West Virginia. The Bank’s primary source of funding is deposits, both interest-bearing and non-interest-bearing. The Bank provides a range of commercial lending services, including commercial real estate loans, acquisition, construction & development, commercial and industrial loans, and residential real estate loans to customers generally located or conducting business in its market area. It also provides traditional banking and wealth management services. The Bank offers digital banking, mobile banking, and a remote deposit service, which allows customers to facilitate and expedite deposit transactions through the use of electronic devices.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Halper Sadeh LLC Investigates SkyWater and LINKBANCORP Transactions
- Legal Investigation Launched: Halper Sadeh LLC is investigating SkyWater Technology, Inc. (NASDAQ:SKYT) for its sale to IonQ, involving $15.00 in cash and $20.00 in IonQ common stock, potentially violating fiduciary duties to shareholders, urging them to contact the firm to enforce their rights.
- LINKBANCORP Transaction Review: The sale of LINKBANCORP, Inc. (NASDAQ:LNKB) to Burke & Herbert Financial Services Corp. involves an exchange of 0.1350 shares of Burke & Herbert common stock for each LINKBANCORP share, with Halper Sadeh LLC potentially seeking increased consideration for shareholders.
- Merger Impact Analysis: The merger between Burke & Herbert Financial Services Corp. (NASDAQ:BHRB) and LINKBANCORP is expected to result in Burke & Herbert shareholders owning approximately 75% of the combined entity, with Halper Sadeh LLC encouraging shareholders to understand their legal rights and options.
- No-Risk Legal Consultation: Halper Sadeh LLC offers legal consultations without upfront fees, aiming to provide affected shareholders with additional disclosures and relief, ensuring their rights are fully protected in the transaction.
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Burke & Herbert Financial Services Acquires LINKBANCORP in $354M All-Stock Deal
- Earnings Highlights: Burke & Herbert Financial Services reported a Q4 GAAP EPS of $1.98 and revenue of $86.55 million, indicating stability in revenue growth despite challenges posed by deteriorating loan quality.
- Loan Quality Concerns: The company faces risks related to declining loan quality, which could impact future financial performance, particularly during the integration period post-acquisition, leading to increased uncertainty.
- Acquisition Deal: Burke & Herbert announced the acquisition of LINKBANCORP in an all-stock deal valued at $354 million, aimed at expanding market share and enhancing competitiveness, although market reactions have been cautious.
- Market Reaction: While the acquisition may offer long-term growth potential, short-term uncertainties and loan quality issues could exert pressure on the stock price, prompting investors to closely monitor subsequent developments.
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