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Side-by-side financial comparison of Burke & Herbert Financial Services Corp. (BHRB) and STEM, INC. (STEM). Click either name above to swap in a different company.
Burke & Herbert Financial Services Corp. is the larger business by last-quarter revenue ($86.5M vs $47.1M, roughly 1.8× STEM, INC.). Burke & Herbert Financial Services Corp. runs the higher net margin — 34.9% vs -33.9%, a 68.8% gap on every dollar of revenue. On growth, Burke & Herbert Financial Services Corp. posted the faster year-over-year revenue change (4.9% vs -15.6%). Over the past eight quarters, Burke & Herbert Financial Services Corp.'s revenue compounded faster (81.1% CAGR vs 36.1%).
Burke & Herbert Financial Services Corp is a U.S.-based regional financial holding company, offering personal and commercial banking, wealth management, residential mortgage lending, and small business financing services. Its core market covers Virginia and adjacent Mid-Atlantic regions, serving retail consumers, SMEs, and high-net-worth clients.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
BHRB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $86.5M | $47.1M |
| Net Profit | $30.2M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 43.8% | -17.7% |
| Net Margin | 34.9% | -33.9% |
| Revenue YoY | 4.9% | -15.6% |
| Net Profit YoY | 52.8% | 68.8% |
| EPS (diluted) | $1.98 | $-4.40 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $86.5M | $47.1M | ||
| Q3 25 | $85.4M | $38.2M | ||
| Q2 25 | $87.1M | $38.4M | ||
| Q1 25 | $83.0M | $32.5M | ||
| Q4 24 | $82.5M | $55.8M | ||
| Q3 24 | $83.8M | $29.3M | ||
| Q2 24 | $69.3M | $34.0M | ||
| Q1 24 | $26.4M | $25.5M |
| Q4 25 | $30.2M | $-16.0M | ||
| Q3 25 | $30.0M | $-23.8M | ||
| Q2 25 | $29.9M | $202.5M | ||
| Q1 25 | $27.2M | $-25.0M | ||
| Q4 24 | $19.8M | $-51.1M | ||
| Q3 24 | $27.6M | $-148.3M | ||
| Q2 24 | $-16.9M | $-582.3M | ||
| Q1 24 | $5.2M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 43.8% | -17.7% | ||
| Q3 25 | 43.3% | -33.6% | ||
| Q2 25 | 42.7% | -34.8% | ||
| Q1 25 | 39.6% | -65.0% | ||
| Q4 24 | 24.6% | -84.4% | ||
| Q3 24 | 39.2% | -493.2% | ||
| Q2 24 | -27.5% | -1705.5% | ||
| Q1 24 | 22.3% | -267.0% |
| Q4 25 | 34.9% | -33.9% | ||
| Q3 25 | 35.1% | -62.2% | ||
| Q2 25 | 34.3% | 527.8% | ||
| Q1 25 | 32.8% | -76.9% | ||
| Q4 24 | 24.0% | -91.6% | ||
| Q3 24 | 33.0% | -506.3% | ||
| Q2 24 | -24.4% | -1712.6% | ||
| Q1 24 | 19.8% | -283.9% |
| Q4 25 | $1.98 | $-4.40 | ||
| Q3 25 | $1.97 | $-2.84 | ||
| Q2 25 | $1.97 | $-1.79 | ||
| Q1 25 | $1.80 | $-0.15 | ||
| Q4 24 | $1.72 | $-15.29 | ||
| Q3 24 | $1.82 | $-18.24 | ||
| Q2 24 | $-1.41 | $-71.81 | ||
| Q1 24 | $0.69 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $854.6M | $-249.4M |
| Total Assets | $7.9B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $854.6M | $-249.4M | ||
| Q3 25 | $822.2M | $-235.7M | ||
| Q2 25 | $780.0M | $-214.1M | ||
| Q1 25 | $758.0M | $-417.5M | ||
| Q4 24 | $730.2M | $-398.4M | ||
| Q3 24 | $738.1M | $-344.1M | ||
| Q2 24 | $693.1M | $-203.2M | ||
| Q1 24 | $319.3M | $371.6M |
| Q4 25 | $7.9B | $308.9M | ||
| Q3 25 | $7.9B | $362.6M | ||
| Q2 25 | $8.1B | $379.2M | ||
| Q1 25 | $7.8B | $405.1M | ||
| Q4 24 | $7.8B | $437.4M | ||
| Q3 24 | $7.9B | $537.8M | ||
| Q2 24 | $7.8B | $691.5M | ||
| Q1 24 | $3.7B | $1.3B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $107.9M | $8.2M |
| Free Cash FlowOCF − Capex | $96.2M | — |
| FCF MarginFCF / Revenue | 111.2% | — |
| Capex IntensityCapex / Revenue | 13.5% | — |
| Cash ConversionOCF / Net Profit | 3.57× | — |
| TTM Free Cash FlowTrailing 4 quarters | $164.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $107.9M | $8.2M | ||
| Q3 25 | $39.3M | $11.4M | ||
| Q2 25 | $41.0K | $-21.3M | ||
| Q1 25 | $37.6M | $8.5M | ||
| Q4 24 | $85.8M | $-14.7M | ||
| Q3 24 | $47.8M | $-9.4M | ||
| Q2 24 | $-46.0M | $-11.9M | ||
| Q1 24 | $7.1M | $-621.0K |
| Q4 25 | $96.2M | — | ||
| Q3 25 | $35.4M | — | ||
| Q2 25 | $-3.4M | — | ||
| Q1 25 | $35.9M | — | ||
| Q4 24 | $81.2M | — | ||
| Q3 24 | $46.0M | — | ||
| Q2 24 | $-47.0M | — | ||
| Q1 24 | $5.6M | — |
| Q4 25 | 111.2% | — | ||
| Q3 25 | 41.5% | — | ||
| Q2 25 | -3.9% | — | ||
| Q1 25 | 43.2% | — | ||
| Q4 24 | 98.5% | — | ||
| Q3 24 | 55.0% | — | ||
| Q2 24 | -67.8% | — | ||
| Q1 24 | 21.2% | — |
| Q4 25 | 13.5% | — | ||
| Q3 25 | 4.5% | — | ||
| Q2 25 | 3.9% | — | ||
| Q1 25 | 2.1% | — | ||
| Q4 24 | 5.5% | — | ||
| Q3 24 | 2.1% | — | ||
| Q2 24 | 1.5% | — | ||
| Q1 24 | 5.7% | — |
| Q4 25 | 3.57× | — | ||
| Q3 25 | 1.31× | — | ||
| Q2 25 | 0.00× | -0.11× | ||
| Q1 25 | 1.38× | — | ||
| Q4 24 | 4.33× | — | ||
| Q3 24 | 1.73× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.36× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
