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Dec 31, 2025
Burke & Herbert Financial Q4 2025 Earnings Report
Burke & Herbert Financial Services Corp. reported solid Q4 2025 results with steady revenue, strong net income, and a robust balance sheet.
Key Takeaways
Burke & Herbert posted a strong Q4 2025 with $30 million in net income and maintained healthy capital and liquidity positions. EPS rose slightly and net interest margin improved to 4.11%.
Net income applicable to common shares was $30 million for the quarter.
EPS increased to $1.98 while adjusted EPS remained consistent at $1.98.
Total revenue reached $86.56 million, driven by stable net interest and non-interest income.
Capital ratios remained strong, with CET1 at 13.2% and total liquidity at $4.8 billion.
Forward Guidance
The company expressed confidence entering 2026 with a strong balance sheet and emphasized strategic goals for diversified loan growth, core deposit expansion, and market expansion.
Positive Outlook
- Balance sheet remains strong and well-positioned.
- Asset quality metrics improved during the quarter.
- Achieved growth in core deposits and non-interest income.
- Delivered top quartile returns compared to peers.
- Successful execution of 2025 strategic initiatives.
Challenges Ahead
- Decrease in total gross loans due to exit from non-strategic loans.
- Slight decline in total deposits despite core growth.
- Non-interest expense slightly increased QoQ.
- Revenue growth remained flat QoQ.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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