BHRB at a glance
Burke & Herbert Financial Services Corp. (BHRB, SEC CIK 1964333) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 30, 2026 and Form 4 insider filings as recently as September 29, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Burke & Herbert Financial Services Corp. (BHRB) reported revenue of $445.0 million (up 21.5% from FY2024) and net income of $117.3 million. Diluted EPS was $7.72.
- The most recent insider open-market purchase reported on Form 4 was by WILSON DAVID on August 20, 2026 of 35 shares at $70.57 per share.
- In the last 90 days, BHRB insiders reported 5 open-market purchases ($174K) and 7 open-market sales ($719K) on Form 4, a net sale of $545K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $445.0M
- +21.5% vs prior year
- Insiders · 90 days
- 5 buys · 7 sells
- Net −$545K
- Latest 8-K
- Sep 30, 2026
- Item 7.01 · Item 1.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Community-oriented bank holding company providing personalized banking and financial services primarily to small and medium businesses and individuals
- New emphasis: Election as a financial holding company in Sept 2023 enhanced regulatory status and operational scope
- Strategic shift: Completed merger with Summit Financial Group in May 2024; pending merger with LINKBANCORP announced Dec 2025 to expand market presence
- Notable quantitative metric: $7.9 billion total assets, $5.3 billion gross loans, $6.4 billion deposits, $855 million shareholders’ equity as of Dec 31, 2025
- Market share: 1.0% deposit market share in Washington D.C. MSA (14th ranking), deposits $3.0 billion in key MSA as of June 30, 2025
Risk Factors
- Regulatory risk from CECL accounting impact related to one-time Day 2 provision for non-PCD assets in Summit merger affecting credit loss provisions
- Macroeconomic exposure through increased interest expense due to rising rates impacting $6.4B total assets, with deposit interest expense up $3.3M in 2025
- Operational vulnerability from Summit merger integration, causing $4.1M increase in core deposit intangible amortization and increased salaries by $6.4M in 2025
- Competitive risk from pressure on net gains on securities, which declined by $1.2M in 2025 despite overall income growth post-merger
- Financial leverage risk with $450M short-term borrowings and $107M subordinated debt, bearing high interest rates near 9.85% post-Summit merger
Management Discussion & Analysis
- Assets $7.9B, up $108.4M YoY; securities portfolio +$183.6M; loans net -$284.3M
- Non-performing assets $76.9M vs $41.2M; ACL 1.26% of loans vs 1.20% with $2.3M credit loss provision in 2025
- Deposits $6.4B, down $111.3M YoY; brokered deposits down $180.4M; core deposits up $69.1M
- Total shareholders’ equity $854.6M, up $124.5M YoY primarily from earnings and $36.8M AOCI decrease
- Management highlights ongoing organic growth, prudent credit risk management, and sufficient liquidity through $4.6B unused credit lines
AI summary of the BHRB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Assets $11.0B, gross loans $8.0B, deposits $9.0B, equity $1.2B as of June 30, 2026
- Commercial real estate largest portfolio at $3.9B, representing 48.7% of gross loans
- Total CRE exposure $5.5B, representing 68.8% of gross loans and 50.1% of total assets
- Management liquidity assessment: current sources adequate for requirements and continued growth
- Emerging headwinds: CRE office valuations, remote work, rising rates, and refinancing challenges increasing default risk
Risk Factors
- No material changes from 2025 Form 10-K risk factors
AI summary of the BHRB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Boilerplate Regulation FD exhibit disclaimer, not substantive business disclosure
- No investor-actionable financial, operational, or strategic information in the provided text
Item 1.01: Entry into a Material Definitive Agreement
- $100 million subordinated debt issuance at 7.00% fixed through 2031, creating substantial long-term interest expense
- Floating rate after October 1, 2031 at benchmark plus 222 basis points, with maturity on October 1, 2036
Item EX-99.1: Item EX-99.1
- $100.0M subordinated notes priced at par, carrying 7.00% fixed interest through 2031 and maturing October 1, 2036
- Floating-rate period begins 2031 at Three-Month Term SOFR plus 222 basis points, creating future interest-rate exposure
Item 8.01: Other Events
- Proposed offering of Fixed-to-Floating Rate Subordinated Notes due 2036
- Preliminary prospectus supplement filed under effective Form S-3 registration statement
Item EX-99.1: Item EX-99.1
- $100 million fixed-to-floating subordinated notes due 2036, callable after 5 years, supporting refinancing and growth capital
- Proceeds plus cash target redemption of up to $117.6 million subordinated debt and $15.0 million preferred stock
Item 7.01: Regulation FD Disclosure
- Exhibit 99.1 furnished under Regulation FD, indicating accompanying company disclosure intended for broad investor distribution
- Information excluded from Exchange Act Section 18 liability protections and incorporation by reference into future filings
Item EX-99.1: Item EX-99.1
- September 2026 fixed-income presentation highlights a post-LNKB-merger platform with $11.0B assets, $8.0B loans, and $9.0B deposits
- 2Q2026 adjusted diluted EPS $2.03 versus $0.50 GAAP, reflecting $32.4M merger-related expense
AI summaries of BHRB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for BHRB
Don't miss the next BHRB filing
- Alerts as it files. A push when BHRB files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut BHRB, by share count.
- Ask anything. An AI agent that reads every BHRB filing and answers with sources.
BHRB alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Huffman Patrick Kip | A | Aug 31, 2026 | 111 | $54.77 |
| Rowan Shannon Barrow | A | Aug 31, 2026 | 63 | $54.77 |
| Parikh Kirtan | A | Aug 31, 2026 | 126 | $54.77 |
| Schmidt Jennifer Palmer | A | Aug 31, 2026 | 160 | $54.77 |
| Hintelmann Robert Victor Jr. | A | Aug 31, 2026 | 76 | $54.77 |
| Kimlel Lauren N. | A | Aug 31, 2026 | 134 | $54.77 |
| George Georgette R. | W | Aug 21, 2026 | 9,858 | - |
| WILSON DAVID | Buy | Aug 20, 2026 | 35 | $70.57 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $146.9M | $366.2M | $445.0M |
| Net Income | $22.7M | $35.7M | $117.3M |
| Net Margin | 15.4% | 9.8% | 26.4% |
| Balance Sheet | |||
| Total Assets | - | $7.8B | $7.9B |
| Equity | $314.8M | $730.2M | $854.6M |
| ROE | 7.2% | 4.9% | 13.7% |
| Per Share | |||
| EPS | $3.02 | $2.82 | $7.72 |
| Cash Flow | |||
| Operating CF | $42.5M | $85.8M | $107.9M |
| CapEx | $14.2M | $4.6M | $11.7M |
Source: XBRL data in Burke & Herbert Financial Services Corp. (BHRB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
BHRB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 30, 2026 | - | Analysis | - |
| 4 | Sep 29, 2026 | - | - | - |
| 4 | Sep 29, 2026 | - | - | - |
| 4 | Sep 29, 2026 | - | - | - |
| 4 | Sep 29, 2026 | - | - | - |
| 4 | Sep 29, 2026 | - | - | - |
| 4 | Sep 29, 2026 | - | - | - |
| 8-K | Sep 28, 2026 | - | Analysis | - |
| 8-K | Sep 18, 2026 | - | Analysis | - |
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 8-K | Aug 11, 2026 | - | Analysis | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
Related Financials companies
- ALRS · ALERUS FINANCIAL CORPNational Commercial Banks
- AMTB · Amerant Bancorp Inc.National Commercial Banks
- ATLO · AMES NATIONAL CORPNational Commercial Banks
- AROW · ARROW FINANCIAL CORPNational Commercial Banks
- BANC · BANC OF CALIFORNIA, INC.National Commercial Banks
- BANF · BANCFIRST CORP /OK/National Commercial Banks
- TBBK · Bancorp, Inc.National Commercial Banks
- BFC · Bank First CorpNational Commercial Banks
BHRB SEC filings: frequently asked questions
Are BHRB insiders buying or selling?
In the last 90 days, Burke & Herbert Financial Services Corp. (BHRB) officers, directors and 10% owners reported 5 open-market purchases worth $173,992 by 3 insiders and 7 open-market sales worth $719,146 by 4 insiders on Form 4, a net sale of $545,154. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was BHRB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Burke & Herbert Financial Services Corp. (BHRB) reported revenue of $445.0 million (up 21.5% from FY2024) and net income of $117.3 million. Diluted EPS was $7.72. The figures come from the XBRL data in the 10-K.
What are the main risks in BHRB's latest 10-K?
In the 10-K filed February 27, 2026, Burke & Herbert Financial Services Corp. (BHRB) flagged: Regulatory risk from CECL accounting impact related to one-time Day 2 provision for non-PCD assets in Summit merger affecting credit loss provisions. Macroeconomic exposure through increased interest expense due to rising rates impacting $6.4B total assets, with deposit interest expense up $3.3M in 2025. (AI summary of the Risk Factors section.)
What did BHRB report in its latest 8-K?
Burke & Herbert Financial Services Corp. (BHRB) filed an 8-K on September 30, 2026 reporting Item 7.01 (Regulation FD Disclosure) and Item 1.01 (Entry into a Material Definitive Agreement). Boilerplate Regulation FD exhibit disclaimer, not substantive business disclosure.
What are the latest BHRB SEC filings?
Burke & Herbert Financial Services Corp. (BHRB) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 30, 2026 and a Form 4 insider filing on September 29, 2026.
What is BHRB's SEC CIK number?
Burke & Herbert Financial Services Corp. (BHRB)'s SEC Central Index Key (CIK) is 1964333. EDGAR lists every BHRB filing under that number.
Ask anything about BHRB
The research agent reads BHRB's filings, financials, insider trades and 13F holders, then answers with sources.