Burke & Herbert Financial Services Corp. (BHRB) FY2025 10-K Annual Report
Burke & Herbert Financial Services Corp. (BHRB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Burke & Herbert Financial Services Corp. FY2025 10-K Analysis
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
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
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
Burke & Herbert Financial Services Corp. FY2025 Key Financial MetricsXBRL
Revenue
$445M
▲ +21.5% YoY
Net Income
$117M
▲ +228.5% YoY
Net Margin
26.4%
▲ +1661bp YoY
ROE
13.7%
▲ +884bp YoY
Total Assets
$7.9B
▲ +1.4% YoY
EPS (Diluted)
$7.72
▲ +173.8% YoY
Operating Cash Flow
$108M
▲ +25.8% YoY
Source: XBRL data from Burke & Herbert Financial Services Corp. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Burke & Herbert Financial Services Corp.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.