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BERKSHIRE HILLS BANCORP INC (BHLB) Stock Fundamental Analysis

NYSE:BHLB - New York Stock Exchange, Inc. - US0846801076 - Common Stock - Currency: USD

24.34  -0.3 (-1.22%)

After market: 24.34 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BHLB. BHLB was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of BHLB have multiple concerns. BHLB is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BHLB was profitable.
BHLB had a positive operating cash flow in the past year.
BHLB had positive earnings in 4 of the past 5 years.
Each year in the past 5 years BHLB had a positive operating cash flow.
BHLB Yearly Net Income VS EBIT VS OCF VS FCFBHLB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

BHLB has a Return On Assets (0.89%) which is in line with its industry peers.
With a Return On Equity value of 8.93%, BHLB perfoms like the industry average, outperforming 55.47% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 8.93%
ROIC N/A
ROA(3y)0.62%
ROA(5y)-0.26%
ROE(3y)7.27%
ROE(5y)-2.61%
ROIC(3y)N/A
ROIC(5y)N/A
BHLB Yearly ROA, ROE, ROICBHLB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30 -40

1.3 Margins

BHLB has a Profit Margin (23.50%) which is comparable to the rest of the industry.
BHLB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BHLB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.5%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.67%
PM growth 5Y-6.62%
GM growth 3YN/A
GM growth 5YN/A
BHLB Yearly Profit, Operating, Gross MarginsBHLB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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3

2. Health

2.1 Basic Checks

BHLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
BHLB has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BHLB has been reduced compared to 5 years ago.
Compared to 1 year ago, BHLB has an improved debt to assets ratio.
BHLB Yearly Shares OutstandingBHLB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BHLB Yearly Total Debt VS Total AssetsBHLB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of BHLB is 0.92, which is an excellent value as it means it would take BHLB, only 0.92 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.92, BHLB is doing good in the industry, outperforming 75.83% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that BHLB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, BHLB is doing good in the industry, outperforming 69.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.92
Altman-Z N/A
ROIC/WACCN/A
WACC8.03%
BHLB Yearly LT Debt VS Equity VS FCFBHLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BHLB Yearly Current Assets VS Current LiabilitesBHLB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.08% over the past year.
BHLB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
BHLB shows a decrease in Revenue. In the last year, the revenue decreased by -2.87%.
BHLB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.30% yearly.
EPS 1Y (TTM)21.08%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%3.83%

3.2 Future

Based on estimates for the next years, BHLB will show a very strong growth in Earnings Per Share. The EPS will grow by 29.68% on average per year.
Based on estimates for the next years, BHLB will show a very strong growth in Revenue. The Revenue will grow by 56.15% on average per year.
EPS Next Y19.46%
EPS Next 2Y29.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.1%
Revenue Next 2Y56.15%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BHLB Yearly Revenue VS EstimatesBHLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
BHLB Yearly EPS VS EstimatesBHLB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 -5 -10

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.85, the valuation of BHLB can be described as very reasonable.
Based on the Price/Earnings ratio, BHLB is valued a bit cheaper than the industry average as 77.61% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.82. BHLB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.52, the valuation of BHLB can be described as very cheap.
90.84% of the companies in the same industry are more expensive than BHLB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BHLB to the average of the S&P500 Index (36.21), we can say BHLB is valued rather cheaply.
Industry RankSector Rank
PE 9.85
Fwd PE 6.52
BHLB Price Earnings VS Forward Price EarningsBHLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHLB indicates a somewhat cheap valuation: BHLB is cheaper than 76.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.42
EV/EBITDA N/A
BHLB Per share dataBHLB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BHLB's earnings are expected to grow with 29.68% in the coming years.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y29.68%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

BHLB has a Yearly Dividend Yield of 2.92%.
BHLB's Dividend Yield is comparable with the industry average which is at 3.48.
Compared to an average S&P500 Dividend Yield of 2.39, BHLB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.92%

5.2 History

The dividend of BHLB decreases each year by -6.24%.
BHLB has been paying a dividend for at least 10 years, so it has a reliable track record.
BHLB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-6.24%
Div Incr Years0
Div Non Decr Years2
BHLB Yearly Dividends per shareBHLB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

36.76% of the earnings are spent on dividend by BHLB. This is a low number and sustainable payout ratio.
DP36.76%
EPS Next 2Y29.68%
EPS Next 3YN/A
BHLB Yearly Income VS Free CF VS DividendBHLB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M
BHLB Dividend Payout.BHLB Dividend Payout, showing the Payout Ratio.BHLB Dividend Payout.PayoutRetained Earnings

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BERKSHIRE HILLS BANCORP INC

NYSE:BHLB (8/1/2025, 8:23:02 PM)

After market: 24.34 0 (0%)

24.34

-0.3 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners95.05%
Inst Owner Change-0.27%
Ins Owners0.87%
Ins Owner Change-0.08%
Market Cap1.13B
Analysts76.67
Price Target32.29 (32.66%)
Short Float %7.21%
Short Ratio7.09
Dividend
Industry RankSector Rank
Dividend Yield 2.92%
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP36.76%
Div Incr Years0
Div Non Decr Years2
Ex-Date05-15 2025-05-15 (0.18)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.3%
Min EPS beat(2)8.13%
Max EPS beat(2)10.47%
EPS beat(4)4
Avg EPS beat(4)6.66%
Min EPS beat(4)3.8%
Max EPS beat(4)10.47%
EPS beat(8)6
Avg EPS beat(8)3.06%
EPS beat(12)8
Avg EPS beat(12)0.2%
EPS beat(16)11
Avg EPS beat(16)3.8%
Revenue beat(2)0
Avg Revenue beat(2)-2.5%
Min Revenue beat(2)-2.51%
Max Revenue beat(2)-2.5%
Revenue beat(4)0
Avg Revenue beat(4)-3.42%
Min Revenue beat(4)-4.58%
Max Revenue beat(4)-2.5%
Revenue beat(8)0
Avg Revenue beat(8)-4.74%
Revenue beat(12)4
Avg Revenue beat(12)3.73%
Revenue beat(16)8
Avg Revenue beat(16)14.07%
PT rev (1m)-0.78%
PT rev (3m)-4.28%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.48%
EPS NY rev (1m)0%
EPS NY rev (3m)4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 9.85
Fwd PE 6.52
P/S 2.48
P/FCF 8.42
P/OCF 7.96
P/B 0.94
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)2.47
EY10.15%
EPS(NY)3.73
Fwd EY15.34%
FCF(TTM)2.89
FCFY11.88%
OCF(TTM)3.06
OCFY12.57%
SpS9.83
BVpS25.85
TBVpS25.55
PEG (NY)0.51
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 8.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.5%
GM N/A
FCFM 29.43%
ROA(3y)0.62%
ROA(5y)-0.26%
ROE(3y)7.27%
ROE(5y)-2.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.67%
PM growth 5Y-6.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.92
Debt/EBITDA N/A
Cap/Depr 69.68%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.03%
ROIC/WACCN/A
Cap/Depr(3y)21.12%
Cap/Depr(5y)22.6%
Cap/Sales(3y)0.65%
Cap/Sales(5y)0.84%
Profit Quality(3y)184.17%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.08%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%25.45%
EPS Next Y19.46%
EPS Next 2Y29.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%3.83%
Revenue Next Year36.1%
Revenue Next 2Y56.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.53%
FCF growth 3Y5.1%
FCF growth 5Y3.64%
OCF growth 1Y-3.74%
OCF growth 3Y5.87%
OCF growth 5Y2.35%