BERKSHIRE HILLS BANCORP INC (BHLB)

US0846801076 - Common Stock

22.23  +1.4 (+6.72%)


Fundamental Rating

3

Taking everything into account, BHLB scores 3 out of 10 in our fundamental rating. BHLB was compared to 372 industry peers in the Banks industry. Both the profitability and financial health of BHLB have multiple concerns. BHLB is not valued too expensively and it also shows a decent growth rate.




Profitability

Profitability Rating

1

The Piotroski-F score of BHLB is 5.00. This is a neutral score and indicates average health and profitability for BHLB.
BHLB's Return On Assets of 0.81% is worse than the rest of the industry. The industry average Return On Assets is 1.10%.

BHLB's Return On Equity of 10.04% is worse than the rest of the industry. The industry average Return On Equity is 11.88%.
BHLB's Profit Margin of 22.83% is worse than the rest of the industry. The industry average Profit Margin is 29.03%. 80% of the industry peers have a better Profit Margin.
VS Industry

ROA (0.81%) VS Industry: 22% outperformed.

0.04
6.22

ROE (10.04%) VS Industry: 29% outperformed.

0.12
29.42

Profit Margin (22.83%) VS Industry: 20% outperformed.

1.32
61.82

Valuation

Valuation Rating

6

The Price/Earnings Ratio is 9.92, which indicates a very decent valuation of BHLB.
With a Forward Price/Earnings Ratio of 9.03, the valuation of BHLB can be described as very reasonable.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

With a price book ratio of 0.99, BHLB is valued rather cheaply.
BHLB's Price/Earning Ratio is slightly more expensive than the industry average, which is at 7.53.
When comparing the price book ratio of BHLB to the average industry price book ratio of 0.84, BHLB is valued more expensive than its industry peers.
VS Industry

Price/Earnings (9.92) VS Industry: 21% outperformed.

354.33
0.28

Price/Book (0.99) VS Industry: 32% outperformed.

6.32
0.03

Growth

Growth Rating

5

The Earnings Per Share is expected to grow by 10.09% on average over the next 5 years. This is quite good.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.
BHLB shows a decrease in Earnings Per Share. Measured over the last 5 years, the EPS has been decreasing by -2.47% yearly.

Looking at the last year, BHLB shows a small growth in Revenue. The Revenue has grown by 3.57% in the last year.
The Revenue has been growing slightly by 2.52% on average over the past 5 years.
The Revenue is expected to grow by 8.45% on average over the next 5 years.
The earnings per share for BHLB have decreased strongly by -13.18% in the last year.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS-2.47% -5.56% -13.18% 18.48% 10.09% N/A N/A
Revenue2.52% -2.73% 3.57% 15.04% 8.45% N/A N/A

Health

Health Rating

2

The Debt to Equity ratio of BHLB is in line with the industry averages.

The Piotroski-F score of BHLB is 5.00. This is a neutral score and indicates average health and profitability for BHLB.
VS Industry

Debt/Equity (0.13) VS Industry: 55% outperformed.

5.89
0.00

Dividend

Dividend Rating

5

BHLB's Dividend Yield is a higher than the S&P500 average which is at 2.71.
26.39% of the earnings are spent on dividend by BHLB. This is a low number and sustainable payout ratio.
BHLB has paid a dividend for at least 10 years, which is a reliable track record.
With a Yearly Dividend Yield of 3.38%, BHLB has a reasonable but not impressive dividend return.

The stock price of BHLB dropped by -27.35% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.46, BHLB is paying slightly less dividend.
The dividend of BHLB decreases each year by -8.51%.
VS Industry

Dividend Yield (3.38%) VS Industry: 27% outperformed.

0.08
11.99

BERKSHIRE HILLS BANCORP INC

NYSE:BHLB (6/2/2023, 2:04:10 PM)

22.23

+1.4 (+6.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20 2023-04-20/bmo
Earnings (Next)07-18 2023-07-18/bmo
Inst Owners83.23%
Inst Owner Change-0.58%
Ins Owners0.75%
Ins Owner Change0.87%
Market Cap984.28M
Analysts76.36
Price Target26.72 (20.2%)
Dividend
Industry RankSector Rank
Dividend Yield 3.38%
Dividend Growth(5Y)-8.51%
DP26.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date05-17 2023-05-17 (0.18)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.11%
Min EPS beat(2)-4.31%
Max EPS beat(2)6.53%
EPS beat(4)2
Avg EPS beat(4)-5.51%
Min EPS beat(4)-29.01%
Max EPS beat(4)6.53%
Revenue beat(2)2
Avg Revenue beat(2)14.71%
Min Revenue beat(2)10.94%
Max Revenue beat(2)18.47%
Revenue beat(4)4
Avg Revenue beat(4)20.6%
Min Revenue beat(4)10.94%
Max Revenue beat(4)29.33%
PT rev (1m)-1.5%
PT rev (3m)-13.15%
EPS NQ rev (1m)-0.68%
EPS NQ rev (3m)-8.84%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.24%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)-2.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.17%
Valuation
Industry RankSector Rank
PE 9.92
Fwd PE 9.03
P/S 2.25
P/FCF 6.95
P/OCF 6.84
P/B 0.99
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.24
EY10.08%
EPS(NY)2.46
Fwd EY11.07%
FCF(TTM)3.2
FCFY14.39%
OCF(TTM)3.25
OCFY14.61%
SpS9.89
BVpS22.48
TBVpS21.96
PEG (NY)0.54
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 10.04%
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM 22.83%
GM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(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 3Y1.38%
PM growth 5Y8.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.92
Debt/EBITDA N/A
Cap/Depr N/A
Profit Quality 141.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.01%
ROIC/WACCN/A
Cap/Depr(3y)19.94%
Cap/Depr(5y)37.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
Growth
EPS 1Y-13.18%
EPS 3Y-5.56%
EPS 5Y-2.47%
EPS growth Q2Q50%
EPS Next Y18.48%
EPS Next 2Y10.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue growth 1Y3.57%
Revenue growth 3Y-2.73%
Revenue growth 5Y2.52%
Revenue growth Q2Q27.18%
Revenue Next Year15.04%
Revenue Next 2Y8.45%
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-32.57%
FCF growth 3Y6.46%
FCF growth 5Y13.16%
OCF growth 1Y-33.43%
OCF growth 3Y3.39%
OCF growth 5Y9.55%
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