Revenue: As of FY2025 Q3, the actual value is USD 122.79 M.EPS: As of FY2025 Q3, the actual value is USD 1.97, beating the estimate of USD 1.82.EBIT: As of FY2025 Q3, the actual value is USD -36.77 M.<h3>Segment Revenue</h3><ul><li>Commercial Real Estate: $2,804,175 thousand as of September 30, 2025, compared to $2,637,802 thousand as of December 31, 2024.</li><li>Owner-Occupied Commercial Real Estate: $612,560 thousand as of September 30, 2025, compared to $614,362 thousand as of December 31, 2024.</li><li>Acquisition, Construction &amp; Development: $375,027 thousand as of September 30, 2025, compared to $465,537 thousand as of December 31, 2024.</li><li>Commercial &amp; Industrial: $534,731 thousand as of September 30, 2025, compared to $613,085 thousand as of December 31, 2024.</li><li>Single Family Residential (1-4 units): $1,127,952 thousand as of September 30, 2025, compared to $1,173,749 thousand as of December 31, 2024.</li><li>Consumer Non-Real Estate and Other: $105,034 thousand as of September 30, 2025, compared to $167,701 thousand as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $87,062 thousand for the nine months ended September 30, 2025, compared to $15,915 thousand for the nine months ended September 30, 2024.</li><li>Provision for Credit Losses: $1,387 thousand for the nine months ended September 30, 2025, compared to $23,387 thousand for the nine months ended September 30, 2024.</li><li>Non-Interest Income: $34,485 thousand for the nine months ended September 30, 2025, compared to $24,375 thousand for the nine months ended September 30, 2024.</li><li>Non-Interest Expense: $147,061 thousand for the nine months ended September 30, 2025, compared to $136,423 thousand for the nine months ended September 30, 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: $76,990 thousand for the nine months ended September 30, 2025, compared to $8,918 thousand for the nine months ended September 30, 2024.</li><li>Net Cash Flows Provided by (Used in) Investing Activities: -$6,392 thousand for the nine months ended September 30, 2025, compared to $202,653 thousand for the nine months ended September 30, 2024.</li><li>Net Cash Flows Provided by (Used in) Financing Activities: -$74,199 thousand for the nine months ended September 30, 2025, compared to $35,696 thousand for the nine months ended September 30, 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: $67,604 thousand as of September 30, 2025, compared to $68,040 thousand as of December 31, 2024.</li><li>Total Assets: $7,889,037 thousand as of September 30, 2025, compared to $7,812,185 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company aims to maintain a strong capital position and continue to focus on its core business areas, including commercial real estate, owner-occupied commercial real estate, and single-family residential loans. The company also plans to manage its interest rate risk through the use of interest rate swaps and other hedging strategies.</li><li>Non-Core Business: The company will continue to evaluate opportunities for divestitures and acquisitions to optimize its portfolio and enhance shareholder value. The company also plans to explore new markets and product lines to diversify its revenue streams.</li><li>Priority: The company emphasizes maintaining a strong capital position, managing credit risk, and optimizing its loan portfolio to achieve sustainable growth and profitability.</li></ul>

Burke & Herbert Financial Services | 10-Q: FY2025 Q3 Revenue: USD 122.79 M