Burke & Herbert Financial Services (NASDAQ:BHRB) vs. Fold (NASDAQ:FLD) Head-To-Head Analysis

Burke & Herbert Financial Services (NASDAQ:BHRB) and Fold (NASDAQ:FLD) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, risk, dividends, earnings, institutional ownership, analyst recommendations and valuation.

Analyst Ratings

This is a summary of current recommendations and price targets for Burke & Herbert Financial Services and Fold, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Burke & Herbert Financial Services	0	3	2	0	2.40
Fold	1	0	3	1	2.80

Burke & Herbert Financial Services currently has a consensus target price of $71.50, suggesting a potential upside of 3.82%. Fold has a consensus target price of $7.83, suggesting a potential upside of 147.89%. Given Fold’s stronger consensus rating and higher possible upside, analysts plainly believe Fold is more favorable than Burke & Herbert Financial Services.

Profitability

This table compares Burke & Herbert Financial Services and Fold’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Burke & Herbert Financial Services	21.68%	14.95%	1.44%
Fold	N/A	60.59%	26.06%

Insider & Institutional Ownership

56.9% of Fold shares are held by institutional investors. 10.9% of Burke & Herbert Financial Services shares are held by insiders. Comparatively, 66.8% of Fold shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

Burke & Herbert Financial Services has a beta of 0.97, indicating that its stock price is 3% less volatile than the S&P 500. Comparatively, Fold has a beta of 0.17, indicating that its stock price is 83% less volatile than the S&P 500.

Valuation & Earnings

This table compares Burke & Herbert Financial Services and Fold”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Burke & Herbert Financial Services	$402.33 million	2.57	$35.71 million	$7.04	9.78
Fold	N/A	N/A	-$1.87 million	($0.75)	-4.21

Burke & Herbert Financial Services has higher revenue and earnings than Fold. Fold is trading at a lower price-to-earnings ratio than Burke & Herbert Financial Services, indicating that it is currently the more affordable of the two stocks.

Summary

Fold beats Burke & Herbert Financial Services on 8 of the 14 factors compared between the two stocks.

About Burke & Herbert Financial Services

Burke Herbert Financial Services Corp. is a bank holding company, which engages in the provision of banking products and financial services to small to medium-sized businesses, their owners and employees, professional corporations, non-profits, and individuals. It operates through the following loan portfolio segments: Commercial Real Estate, Owner-Occupied Commercial Real Estate, Acquisition, Construction, and Development, Commercial and Industrial, Single Family Residential (1-4 Units), and Consumer Non-Real Estate and Other. The Commercial Real Estate segment includes leasing of the real estate collateral or income generated from the sale of the collateral. The Owner-Occupied Commercial Real Estate segment focuses on the operations of the business that occupies the property and the value of the collateral. The Acquisition, Construction, and Development segment offers creditworthiness of the borrower, project completion within budget, sale after completion, and the value of the collateral. The Commercial and Industrial segment is involved in the operations of the business and the value of the collateral. The Single Family Residential (1-4 Units) segment provides loans for investment purpose carry risk associated with the continued creditworthiness of the borrower, the value of the collateral, and either the net operating income generated from the lease of the real estate collateral or income generated from the sale of the collateral. The Consumer Non-Real Estate and Other segment covers loans carry risk associated with the creditworthiness of the borrower and the value of the collateral. The company was founded on September 14, 2022 and is headquartered in Alexandria, VA.

About Fold

FTAC Emerald Acquisition Corp. does not have significant operations. It intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, and similar business combination with one or more businesses or assets operating in the clean/renewable energy, water sustainability, agricultural technology, shared economy software, and mobility sectors. The company was formerly known as Emerald ESG Acquisition Corp. FTAC Emerald Acquisition Corp. was incorporated in 2021 and is based in Philadelphia, Pennsylvania.