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 -36.51 M.<h3>Segment Revenue</h3><ul><li>Net Interest Income: $73.8 million for Q3 2025, compared to $74.2 million in Q2 2025.</li><li>Non-Interest Income: $11.6 million for Q3 2025, compared to $12.9 million in Q2 2025.</li><li>Total Revenue (non-GAAP): $85.355 million for the quarter ended September 30, 2025.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $30.0 million for the quarter ended September 30, 2025.</li><li>Operating Margin: Net interest margin decreased to 4.08% in Q3 2025 from 4.17% in Q2 2025.</li><li>Non-Interest Expense: $48.1 million for Q3 2025, compared to $49.3 million in Q2 2025.</li><li>Diluted Earnings per Share (EPS): $1.97 for the quarter ended September 30, 2025.</li><li>Allowance Coverage Ratio: 1.22% as of September 30, 2025.</li><li>Efficiency Ratio: 56.3% for the quarter ended September 30, 2025.</li></ul><h3>Cash Flow</h3><ul><li>Total Liquidity: $4.3 billion at the end of Q3 2025, including all available borrowing capacity with cash and cash equivalents.</li></ul><h3>Unique Metrics</h3><ul><li>Loan-to-Deposit Ratio: 86.7% at the end of Q3 2025.</li><li>Common Equity Tier 1 Capital Ratio: 12.7% as of September 30, 2025.</li><li>Uninsured Deposit Percentage: 31.5% of total deposits as of September 30, 2025.</li><li>Tangible Book Value per Common Share: $48.72 as of September 30, 2025, with a growth of 15.8% from 4Q24 to 3Q25.</li></ul><h3>Outlook / Guidance</h3><ul><li>The management of Burke &amp; Herbert Financial Services Corp. anticipates meetings with investors during 2025, with presentation materials available on the investor relations section of the Company’s website. The company anticipates a strong close to 2025, with expectations of delivering increased value for customers, employees, communities, and shareholders. They aim to maintain a fortress balance sheet by ensuring proper allowances for credit losses, staying liquid, and managing capital for the long term.</li></ul>

Burke & Herbert Financial Services | 8-K: FY2025 Q3 Revenue: USD 122.79 M