BHRB FINANCIAL STATEMENTS

Burke & Herbert Financial Services Corp. Common Stock — balance sheet, income statement and cash flow trends

BHRBBurke & Herbert Financial Services Corp. Common Stock

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

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Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue486.1 M $+2.5%

Gross Profit340.2 M $+18.4%

Operating Income145.4 M $+117.5%

EBITDA167.7 M $+87.5%

Net Income117.5 M $+103.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BHRB	—	—	—	24.2%
SKBNK	—	—	—	14.2%
LLOY	—	—	—	25.9%
LB	—	—	—	1.4%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity864.5 M $11%
Current Liabilities525 M $7%
Long-term Liabilities6.5 B $82%

Key Figures

YoY change

Total Assets7.9 B $+1.1%

Total Liabilities7.1 B $-0.2%

Total Equity864.5 M $+14.1%

Cash & ST Investments69.6 M $-95.4%

Total Debt613.8 M $+104.6%

Net Debt544.2 M $+129.9%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BHRB	0.20	71.0%	3.25	10.9%
SKBNK	—	0.0%	-13.41	5.9%
LLOY	0.12	209.8%	5.39	5.0%
LB	0.01	744.5%	280.57	5.3%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BHRB	0.20	71.0%	3.25	10.9%
MCB	—	3.9%	0.22	10.7%
HBT	217.73	20.6%	-9.13	11.0%
MCBS	134.88	79.3%	0.40	11.8%
CFFN	0.09	166.4%	5.67	10.4%
ESQ	0.23	—	—	12.4%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow96.8 M $+7.8%

Capital Expenditures11.8 M $+143.7%

Free Cash Flow85 M $+0.1%

Dividends Paid-34 M $-202.4%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BHRB	19.9%	17.5%	2.4%	82.4%
SKBNK	14.2%	31.2%	17.0%	100.0%
LLOY	—	—	0.0%	—
LB	-1.8%	-3.5%	1.7%	-134.2%
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BHRB	19.9%	17.5%	2.4%	82.4%
MCB	25.1%	23.8%	1.2%	157.8%
HBT	27.4%	23.5%	3.8%	120.3%
MCBS	26.3%	26.0%	0.2%	88.6%
CFFN	16.8%	15.3%	1.4%	93.8%
ESQ	36.9%	31.9%	5.0%	123.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BHRB	—	—	—	24.2%
MCB	—	—	—	15.9%
HBT	—	—	—	22.7%
MCBS	—	—	—	29.7%
CFFN	—	—	—	17.9%
ESQ	—	—	—	30.0%
Industry median	—	67.2%	20.4%	20.6%