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BERKSHIRE HILLS BANCORP INC (BHLB) Stock Fundamental Analysis

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

25.08  +0.78 (+3.21%)

After market: 25.08 0 (0%)

Fundamental Rating

4

Taking everything into account, BHLB scores 4 out of 10 in our fundamental rating. BHLB was compared to 398 industry peers in the Banks industry. BHLB has a bad profitability rating. Also its financial health evaluation is rather negative. BHLB may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BHLB had positive earnings in the past year.
BHLB had a positive operating cash flow in the past year.
Of the past 5 years BHLB 4 years were profitable.
In the past 5 years BHLB always reported a positive cash flow from operatings.
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 of 0.50%. This is in the lower half of the industry: BHLB underperforms 73.87% of its industry peers.
BHLB's Return On Equity of 5.23% is on the low side compared to the rest of the industry. BHLB is outperformed by 75.13% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 5.23%
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

With a Profit Margin value of 15.25%, BHLB is not doing good in the industry: 75.38% of the companies in the same industry are doing better.
BHLB's Profit Margin has declined in the last couple of years.
BHLB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.25%
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.
The number of shares outstanding for BHLB has been increased compared to 1 year ago.
The number of shares outstanding for BHLB has been reduced compared to 5 years ago.
The debt/assets ratio for BHLB has been reduced compared to a year ago.
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 1.02, which is an excellent value as it means it would take BHLB, only 1.02 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.02, BHLB is doing good in the industry, outperforming 74.62% of the companies in the same industry.
BHLB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BHLB (0.10) is better than 70.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.02
Altman-Z N/A
ROIC/WACCN/A
WACC8.17%
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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5

3. Growth

3.1 Past

BHLB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.22%, which is quite good.
The Earnings Per Share has been decreasing by -1.63% on average over the past years.
The Revenue has decreased by -2.87% in the past year.
Measured over the past years, BHLB shows a decrease in Revenue. The Revenue has been decreasing by -2.30% on average per year.
EPS 1Y (TTM)14.22%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%22.45%
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%25.3%

3.2 Future

The Earnings Per Share is expected to grow by 31.22% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 56.93% on average over the next years. This is a very strong growth
EPS Next Y14.86%
EPS Next 2Y31.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.94%
Revenue Next 2Y56.93%
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

The Price/Earnings ratio is 10.76, which indicates a very decent valuation of BHLB.
Based on the Price/Earnings ratio, BHLB is valued a bit cheaper than 63.57% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.92, BHLB is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.56, the valuation of BHLB can be described as very cheap.
91.46% of the companies in the same industry are more expensive than BHLB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, BHLB is valued rather cheaply.
Industry RankSector Rank
PE 10.76
Fwd PE 6.56
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 63.57% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.64
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 31.22% in the coming years.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y31.22%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.96%, BHLB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.63, BHLB has a dividend in line with its industry peers.
BHLB's Dividend Yield is comparable with the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 2.96%

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.
BHLB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-6.24%
Div Incr Years1
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

BHLB pays out 50.72% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP50.72%
EPS Next 2Y31.22%
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 (4/24/2025, 8:04:00 PM)

After market: 25.08 0 (0%)

25.08

+0.78 (+3.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-16 2025-07-16/bmo
Inst Owners88.31%
Inst Owner Change0.54%
Ins Owners0.93%
Ins Owner Change-0.07%
Market Cap1.16B
Analysts76.67
Price Target33.74 (34.53%)
Short Float %5.42%
Short Ratio4.36
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP50.72%
Div Incr Years1
Div Non Decr Years2
Ex-Date02-20 2025-02-20 (0.18)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.97%
Min EPS beat(2)3.8%
Max EPS beat(2)8.13%
EPS beat(4)4
Avg EPS beat(4)4.6%
Min EPS beat(4)2.21%
Max EPS beat(4)8.13%
EPS beat(8)5
Avg EPS beat(8)1.21%
EPS beat(12)8
Avg EPS beat(12)-0.42%
EPS beat(16)11
Avg EPS beat(16)4.03%
Revenue beat(2)0
Avg Revenue beat(2)-3.54%
Min Revenue beat(2)-4.58%
Max Revenue beat(2)-2.5%
Revenue beat(4)0
Avg Revenue beat(4)-3.52%
Min Revenue beat(4)-4.58%
Max Revenue beat(4)-2.5%
Revenue beat(8)1
Avg Revenue beat(8)-3.06%
Revenue beat(12)5
Avg Revenue beat(12)6%
Revenue beat(16)9
Avg Revenue beat(16)16.22%
PT rev (1m)-0.74%
PT rev (3m)-0.37%
EPS NQ rev (1m)-1.39%
EPS NQ rev (3m)-2.26%
EPS NY rev (1m)-1.28%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)-0.6%
Revenue NQ rev (3m)2.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.74%
Valuation
Industry RankSector Rank
PE 10.76
Fwd PE 6.56
P/S 2.91
P/FCF 9.64
P/OCF 9.29
P/B 1
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.33
EY9.29%
EPS(NY)3.82
Fwd EY15.24%
FCF(TTM)2.6
FCFY10.37%
OCF(TTM)2.7
OCFY10.76%
SpS8.62
BVpS25.17
TBVpS24.85
PEG (NY)0.72
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 5.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.25%
GM N/A
FCFM 30.16%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.02
Debt/EBITDA N/A
Cap/Depr 39.43%
Cap/Sales 1.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 197.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.17%
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)14.22%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%22.45%
EPS Next Y14.86%
EPS Next 2Y31.22%
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%25.3%
Revenue Next Year36.94%
Revenue Next 2Y56.93%
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-22.34%
FCF growth 3Y5.1%
FCF growth 5Y3.64%
OCF growth 1Y-20.33%
OCF growth 3Y5.87%
OCF growth 5Y2.35%