EPS: As of FY2025 Q2, the actual value is USD 1.97, beating the estimate of USD 1.82.EBIT: As of FY2025 Q2, the actual value is USD 37.03 M.<h3>Segment Revenue and Operational Metrics</h3><ul><li>Commercial Real Estate: Revenue was $2,767,261 as of June 30, 2025, compared to $2,637,802 as of December 31, 2024.</li><li>Owner-Occupied Commercial Real Estate: Revenue was $617,811 as of June 30, 2025, compared to $614,362 as of December 31, 2024.</li><li>Acquisition, Construction &amp; Development: Revenue was $347,659 as of June 30, 2025, compared to $465,537 as of December 31, 2024.</li><li>Commercial &amp; Industrial: Revenue was $605,064 as of June 30, 2025, compared to $613,085 as of December 31, 2024.</li><li>Single Family Residential (1-4 units): Revenue was $1,148,869 as of June 30, 2025, compared to $1,173,749 as of December 31, 2024.</li><li>Consumer Non-Real Estate and Other: Revenue was $103,793 as of June 30, 2025, compared to $167,701 as of December 31, 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Net cash flows provided by operating activities were $37,688 for the six months ended June 30, 2025, compared to -$38,879 for the same period in 2024.</li><li>Free Cash Flow: The increase in cash and cash equivalents was $189,832 for the six months ended June 30, 2025.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: The allowance for credit losses was $67,256 as of June 30, 2025, compared to $68,040 as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company continues to focus on maintaining a strong capital position, with a total capital to risk-weighted assets ratio of 15.27% as of June 30, 2025.</li><li>Non-Core Business: The company has not indicated any significant changes or divestitures in non-core business areas in the current period.</li></ul>

Burke & Herbert Financial Services | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 1.97