BERKSHIRE HILLS BANCORP INC (BHLB) 30.23 -0.77 (-2.48%)
30.23 -0.77 (-2.48%)
US0846801076 - Common Stock - After market: 30.23 0 (0%)
Fundamental Rating
Taking everything into account, BHLB scores 2 out of 10 in our fundamental rating. BHLB was compared to 331 industry peers in the Banks industry. BHLB has a bad profitability rating. Also its financial health evaluation is rather negative. BHLB is not valued too expensively and it also shows a decent growth rate.
Profitability
Profitability Rating
BHLB's Return On Assets of 0.79% is worse than the rest of the industry. The industry average Return On Assets is 1.11%. 84% of the industry peers have a better Return On Assets.
BHLB has a Return On Equity of 9.70%. This is below the industry average of 12.37%.
BHLB's Profit Margin of 22.38% is worse than the rest of the industry. The industry average Profit Margin is 29.60%. 82% of the industry peers have a better Profit Margin.
The Piotroski-F score of BHLB is 1.00. This is a very weak score and indicates problems in health and profitability for BHLB.
VS Industry
ROA (0.79%) VS Industry: 16% outperformed.
0.15
7.28
ROE (9.7%) VS Industry: 21% outperformed.
3.45
50.89
Profit Margin (22.38%) VS Industry: 18% outperformed.
6.02
51.15
Valuation
Valuation Rating
The Forward Price/Earnings Ratio of 11.91 indicates a rather cheap valuation of BHLB.
BHLB's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
With a Price/Earnings Ratio of 15.27, BHLB is valued correctly.
When comparing the current price to the book value of BHLB, we can conclude it is valued correctly. It is trading at 1.43 times its book value.
Compared to an average industry Price/Earning Ratio of 9.93, BHLB is valued more expensive than its industry peers. On top of this 93% of the companies listed in the same industry are cheaper than BHLB!
When comparing the price book ratio of BHLB to the average industry price book ratio of 1.15, BHLB is valued more expensive than its industry peers.
VS Industry
Price/Earnings (15.27) VS Industry: 7% outperformed.
218.50
0.29
Price/Book (1.43) VS Industry: 25% outperformed.
4.31
0.03
Growth
Growth Rating
BHLB is expected to show quite a strong growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 16.40% yearly.
When comparing the EPS growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.
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 -2.95% yearly.
BHLB shows a decrease in Revenue. In the last year, the revenue decreased by -4.80%.
The Revenue has been growing slightly by 2.52% on average over the past 5 years.
Based on estimates for the next 5 years, BHLB will show a small growth in Revenue. The Revenue will grow by 5.92% on average per year.
The earnings per share for BHLB have decreased strongly by -18.18% in the last year.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | -2.95% | -6.34% | -18.18% | 28.2% | 16.4% | N/A | N/A |
| Revenue | 2.52% | -2.73% | -4.8% | 15.07% | 5.92% | N/A | N/A |
Health
Health Rating
With a Debt to Equity ratio of 0.13, BHLB is doing better than the averages in the industry. The industry average is at 0.20.
BHLB has a very weak Piotroski-F score of 1.00. This is an indication of health and profitability issues for BHLB.
VS Industry
Debt/Equity (0.13) VS Industry: 65% outperformed.
3.93
0.00
Dividend
Dividend Rating
BHLB has been paying a dividend for at least 10 years, so it has a reliable track record.
BHLB has a Yearly Dividend Yield of 2.53%.
BHLB's Dividend Yield is comparable with the S&P500 average which is at 2.41.
BHLB's Dividend Yield is slightly below the industry average, which is at 3.18.
The dividend of BHLB decreases each year by -18.29%.
VS Industry
Dividend Yield (2.53%) VS Industry: 27% outperformed.
0.09
19.43
BERKSHIRE HILLS BANCORP INC30.23
NYSE:BHLB (1/27/2023, 7:04:00 PM)-0.77 (-2.48%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | 01-26 2023-01-26 | Earnings (Next) | 04-18 2023-04-18 |
| Inst Owners | 82.45% | Inst Owner Change | -0.13% |
| Ins Owners | 0.58% | Ins Owner Change | 0% |
| Market Cap | 1.36B | Analysts | 50.91 |
| Price Target | 30.6 (1.22%) | ||
| Dividend Yield | 2.53% | Dividend Growth | -18.29% |
| DP | 0% | Ex-Date | N/A |
| EPS beat(2) | N/A | Avg EPS beat(2) | -15.1% |
| Min EPS beat(2) | -29.01% | Max EPS beat(2) | -1.19% |
| EPS beat(4) | 2 | Avg EPS beat(4) | -5.61% |
| Min EPS beat(4) | -29.01% | Max EPS beat(4) | 4.74% |
| Revenue beat(2) | 2 | Avg Revenue beat(2) | 21.07% |
| Min Revenue beat(2) | 18.47% | Max Revenue beat(2) | 23.68% |
| Revenue beat(4) | 4 | Avg Revenue beat(4) | 24.04% |
| Min Revenue beat(4) | 18.47% | Max Revenue beat(4) | 29.33% |
| PT rev (1m) | 0% | EPS NQ rev (1m) | 0% |
| EPS NY rev (1m) | 0% | Revenue NQ rev (1m) | 0% |
| Revenue NY rev (1m) | 0% | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 11.91 | ||
| P/S | 3.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.43 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
| EPS(TTM) | 1.98 | EY | 6.55% |
| EPS(NY) | 2.54 | Fwd EY | 8.4% |
| FCF(TTM) | N/A | FCFY | N/A |
| OCF(TTM) | N/A | OCFY | N/A |
| SpS | 9.18 | BVpS | 21.19 |
| TBVpS | 20.65 | PEG (NY) | 0.54 |
| PEG (5Y) | N/A | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 9.7% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 22.38% | ||
| GM | N/A |
| ROICexgc(3y) | N/A | ROICexcg growth 3Y | N/A |
| ROICexcg growth 5Y | N/A | ROICexc(3y) | N/A |
| ROICexc growth 3Y | N/A | ROICexc growth 5Y | N/A |
| OM growth 3Y | N/A | OM growth 5Y | N/A |
| PM growth 3Y | 1.38% | PM growth 5Y | 8.24% |
| GM growth 3Y | N/A | GM growth 5Y | N/A |
| F-Score | 1 | Asset Turnover | 0.04 |
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
| F-Score | 1 | WACC | 7.57% |
| ROIC/WACC | N/A | Cap/Depr(3y) | N/A |
| Cap/Depr(5y) | N/A | Profit Quality(3y) | N/A |
| Profit Quality(5y) | N/A | ||
| EPS 1Y | -18.18% | EPS 3Y | -6.34% |
| EPS 5Y | -2.95% | EPS growth Q2Q | 52.38% |
| EPS Next Y | 28.2% | EPS Next 2Y | 16.4% |
| EPS Next 3Y | N/A | EPS Next 5Y | N/A |
| Revenue growth 1Y | -4.8% | Revenue growth 3Y | -2.73% |
| Revenue growth 5Y | 2.52% | Revenue growth Q2Q | 29.82% |
| Revenue Next Year | 15.07% | Revenue Next 2Y | 5.92% |
| Revenue Next 3Y | N/A | Revenue Next 5Y | N/A |
| EBIT growth 1Y | N/A | EBIT growth 3Y | N/A |
| EBIT growth 5Y | N/A | EBIT Next Year | N/A |
| EBIT Next 3Y | N/A | EBIT Next 5Y | N/A |
| FCF growth 1Y | N/A | FCF growth 3Y | N/A |
| FCF growth 5Y | N/A | OCF growth 1Y | N/A |
| OCF growth 3Y | N/A | OCF growth 5Y | N/A |
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