BERKSHIRE HILLS BANCORP INC (BHLB) Fundamental Analysis & Valuation

NYSE:BHLB • US0846801076

26.13 USD
-0.17 (-0.65%)
At close: Aug 29, 2025
26.13 USD
0 (0%)
After Hours: 8/29/2025, 8:08:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This BHLB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall BHLB gets a fundamental rating of 5 out of 10. We evaluated BHLB against 381 industry peers in the Banks industry. BHLB may be in some trouble as it scores bad on both profitability and health. BHLB is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

3

1. BHLB Profitability Analysis

1.1 Basic Checks

  • In the past year BHLB was profitable.
  • In the past year BHLB had a positive cash flow from operations.
  • Of the past 5 years BHLB 4 years were profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

  • BHLB's Return On Assets of 0.94% is in line compared to the rest of the industry. BHLB outperforms 57.83% of its industry peers.
  • With a Return On Equity value of 9.27%, BHLB perfoms like the industry average, outperforming 58.59% of the companies in the same industry.
Industry RankSector Rank
ROA 0.94%
ROE 9.27%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30 -40

1.3 Margins

  • The Profit Margin of BHLB (24.62%) 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) 24.62%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. BHLB Health Analysis

2.1 Basic Checks

  • BHLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BHLB has more shares outstanding
  • Compared to 5 years ago, BHLB has less shares outstanding
  • The debt/assets ratio for BHLB has been reduced compared to a year ago.
BHLB Yearly Shares OutstandingBHLB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • BHLB has a debt to FCF ratio of 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.
  • BHLB's Debt to FCF ratio of 0.90 is fine compared to the rest of the industry. BHLB outperforms 73.48% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that BHLB is not too dependend on debt financing.
  • BHLB has a better Debt to Equity ratio (0.10) than 69.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.9
Altman-Z N/A
ROIC/WACCN/A
WACC7.99%
BHLB Yearly LT Debt VS Equity VS FCFBHLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. BHLB Growth Analysis

3.1 Past

  • BHLB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.08%, which is quite impressive.
  • BHLB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
  • The Revenue has grown by 30.64% in the past year. This is a very strong growth!
  • The Revenue has been decreasing by -2.30% on average over the past years.
EPS 1Y (TTM)21.08%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%25.45%
Revenue 1Y (TTM)30.64%
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 30.09% 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 Y23.59%
EPS Next 2Y30.09%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BHLB Yearly Revenue VS EstimatesBHLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 -5 -10

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7

4. BHLB Valuation Analysis

4.1 Price/Earnings Ratio

  • BHLB is valuated reasonably with a Price/Earnings ratio of 10.58.
  • Compared to the rest of the industry, the Price/Earnings ratio of BHLB indicates a somewhat cheap valuation: BHLB is cheaper than 77.78% of the companies listed in the same industry.
  • BHLB is valuated cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 6.96, the valuation of BHLB can be described as very cheap.
  • BHLB's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHLB is cheaper than 90.91% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, BHLB is valued rather cheaply.
Industry RankSector Rank
PE 10.58
Fwd PE 6.96
BHLB Price Earnings VS Forward Price EarningsBHLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 77.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.93
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.
  • BHLB's earnings are expected to grow with 30.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y30.09%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BHLB Dividend Analysis

5.1 Amount

  • BHLB has a Yearly Dividend Yield of 2.76%. Purely for dividend investing, there may be better candidates out there.
  • BHLB's Dividend Yield is comparable with the industry average which is at 2.86.
  • BHLB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.76%

5.2 History

  • The dividend of BHLB decreases each year by -6.24%.
  • BHLB has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of BHLB decreased 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • BHLB pays out 28.33% of its income as dividend. This is a sustainable payout ratio.
DP28.33%
EPS Next 2Y30.09%
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 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

More info and screens

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BHLB Fundamentals: All Metrics, Ratios and Statistics

BERKSHIRE HILLS BANCORP INC

NYSE:BHLB (8/29/2025, 8:08:14 PM)

After market: 26.13 0 (0%)

26.13

-0.17 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24
Earnings (Next)10-22
Inst Owners95.14%
Inst Owner Change3.38%
Ins Owners0.87%
Ins Owner Change0%
Market Cap1.21B
Revenue(TTM)459.91M
Net Income(TTM)113.25M
Analysts76.67
Price Target32.29 (23.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP28.33%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.24%
Min EPS beat(2)10.47%
Max EPS beat(2)14.01%
EPS beat(4)4
Avg EPS beat(4)9.1%
Min EPS beat(4)3.8%
Max EPS beat(4)14.01%
EPS beat(8)7
Avg EPS beat(8)5.56%
EPS beat(12)8
Avg EPS beat(12)0.97%
EPS beat(16)11
Avg EPS beat(16)1.94%
Revenue beat(2)0
Avg Revenue beat(2)-3.39%
Min Revenue beat(2)-4.28%
Max Revenue beat(2)-2.51%
Revenue beat(4)0
Avg Revenue beat(4)-3.47%
Min Revenue beat(4)-4.58%
Max Revenue beat(4)-2.5%
Revenue beat(8)0
Avg Revenue beat(8)-4.47%
Revenue beat(12)3
Avg Revenue beat(12)0.91%
Revenue beat(16)7
Avg Revenue beat(16)11.93%
PT rev (1m)0%
PT rev (3m)-0.78%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)4.33%
EPS NY rev (1m)3.46%
EPS NY rev (3m)3.46%
Revenue NQ rev (1m)-2.29%
Revenue NQ rev (3m)-2.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 10.58
Fwd PE 6.96
P/S 2.64
P/FCF 8.93
P/OCF 8.34
P/B 0.99
P/tB 1
EV/EBITDA N/A
EPS(TTM)2.47
EY9.45%
EPS(NY)3.76
Fwd EY14.38%
FCF(TTM)2.93
FCFY11.2%
OCF(TTM)3.13
OCFY11.99%
SpS9.91
BVpS26.35
TBVpS26.07
PEG (NY)0.45
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.62%
GM N/A
FCFM 29.52%
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
ROICexgc growth 3YN/A
ROICexgc 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 0.9
Debt/EBITDA N/A
Cap/Depr 89.7%
Cap/Sales 2.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.99%
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 Y23.59%
EPS Next 2Y30.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.64%
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-19.38%
FCF growth 3Y5.1%
FCF growth 5Y3.64%
OCF growth 1Y-14.49%
OCF growth 3Y5.87%
OCF growth 5Y2.35%

BERKSHIRE HILLS BANCORP INC / BHLB FAQ

What is the fundamental rating for BHLB stock?

ChartMill assigns a fundamental rating of 5 / 10 to BHLB.


What is the valuation status of BERKSHIRE HILLS BANCORP INC (BHLB) stock?

ChartMill assigns a valuation rating of 7 / 10 to BERKSHIRE HILLS BANCORP INC (BHLB). This can be considered as Undervalued.


How profitable is BERKSHIRE HILLS BANCORP INC (BHLB) stock?

BERKSHIRE HILLS BANCORP INC (BHLB) has a profitability rating of 3 / 10.


Can you provide the financial health for BHLB stock?

The financial health rating of BERKSHIRE HILLS BANCORP INC (BHLB) is 3 / 10.


What is the earnings growth outlook for BERKSHIRE HILLS BANCORP INC?

The Earnings per Share (EPS) of BERKSHIRE HILLS BANCORP INC (BHLB) is expected to grow by 23.59% in the next year.