)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Burke & Herbert Financial Services
Burke & Herbert Financial Services (BHRB) investor relations material
Burke & Herbert Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved Q4 2025 net income of $30.3 million and diluted EPS of $1.98, with annualized ROAA of 1.49% and ROAE of 14.14%.
Board declared a $0.55 per share regular cash dividend, payable March 2, 2026.
Maintains a fortress balance sheet, emphasizing credit discipline, liquidity, and long-term capital management.
Focused on relationship-driven community banking, market expansion, and delivering top quartile returns.
Announced a definitive merger agreement with LINKBANCORP, Inc., expected to create an $11 billion asset financial holding company upon completion.
Financial highlights
Total assets reached $7.9 billion, total gross loans $5.4 billion, and total deposits $6.4 billion as of Dec. 31, 2025.
Net interest margin (FTE) was 4.11% for Q4 2025, with an efficiency ratio of 56.03%.
Tangible book value per share grew 21.6% year-over-year to $51.13; book value per share at year-end was $56.18.
Noninterest expense for Q4 2025 was $48.5 million, and total revenue (non-GAAP) was $86.6 million.
Net interest income for Q4 2025 was $74.9 million; non-interest income was $11.6 million.
Outlook and guidance
Strategic focus on expanding existing markets, pursuing new opportunities, and growing fee revenue.
Management expects continued strong asset quality and capital levels, with a focus on integration and realizing synergies from the pending LINKBANCORP merger.
Continues to maintain a moderate risk profile and stress test balance sheet for severe shocks.
Forward-looking statements highlight risks related to merger completion, regulatory approvals, and integration challenges.
Quantify expected synergies from LINK merger
Explain the increase in non-performing loans?
Future impact of loan accretion on NIM?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Burke & Herbert Financial Services earnings date
Q1 202624 Apr, 2026
Burke & Herbert Financial Services
Next Burke & Herbert Financial Services earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Burke & Herbert Financial Services Corp. is the bank holding company for Burke & Herbert Bank & Trust Company, one of the oldest continuously operating banks in the Washington, D.C. metropolitan area. The company provides a wide array of financial services, including business and personal banking solutions such as deposits, loans, and investment products. Additionally, Burke & Herbert offers fiduciary services, wealth management, and generates income from service fees related to debit cards, ATMs, and other banking operations. The company is headquartered in Alexandria, Virginia, and its shares are listed on tbe NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage