BERKSHIRE HILLS BANCORP INC (BHLB) Fundamental Analysis & Valuation

NYSE:BHLB • US0846801076

Current stock price

26.13 USD
-0.17 (-0.65%)
At close:
26.13 USD
0 (0%)
After Hours:

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

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

  • The Return On Assets of BHLB (0.94%) is comparable to the rest of the industry.
  • BHLB's Return On Equity of 9.27% is in line compared to the rest of the industry. BHLB outperforms 58.59% of its industry peers.
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.
  • In the last couple of years the Profit Margin of BHLB has declined.
  • 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.
  • BHLB has more shares outstanding than it did 1 year ago.
  • BHLB has less shares outstanding than it did 5 years ago.
  • BHLB has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of BHLB is 0.90, which is an excellent value as it means it would take BHLB, only 0.90 years of fcf income to pay off all of its debts.
  • BHLB has a better Debt to FCF ratio (0.90) than 73.48% of its industry peers.
  • BHLB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.10, BHLB is doing good in the industry, outperforming 69.44% of the companies in the same industry.
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.
  • The Earnings Per Share has been decreasing by -1.63% on average over the past years.
  • 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.
  • BHLB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 56.15% yearly.
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

  • 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 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 26.78, 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.
  • BHLB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.54.
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

  • Based on the Price/Free Cash Flow ratio, BHLB is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
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

  • BHLB's 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 30.09% in the coming years.
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 2.59.
  • Compared to an average S&P500 Dividend Yield of 1.83, BHLB pays a better dividend.
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

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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 Change0%
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 Fundamental Analysis 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.


Can you provide the profitability details for BERKSHIRE HILLS BANCORP INC?

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


What are the PE and PB ratios of BERKSHIRE HILLS BANCORP INC (BHLB) stock?

The Price/Earnings (PE) ratio for BERKSHIRE HILLS BANCORP INC (BHLB) is 10.58 and the Price/Book (PB) ratio is 0.99.


Can you provide the expected EPS growth for BHLB stock?

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