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BERKSHIRE HILLS BANCORP INC (BHLB) Stock Fundamental Analysis

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

24.51  -0.79 (-3.12%)

After market: 24.51 0 (0%)

Fundamental Rating

4

BHLB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. BHLB has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on BHLB.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BHLB was profitable.
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

With a Return On Assets value of 0.89%, BHLB perfoms like the industry average, outperforming 55.05% of the companies in the same industry.
BHLB has a Return On Equity (8.93%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.89%
ROE 8.93%
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

BHLB has a Profit Margin (23.50%) which 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) 23.5%
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.
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 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

BHLB has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
BHLB's Debt to FCF ratio of 0.92 is fine compared to the rest of the industry. BHLB outperforms 75.51% 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.
Looking at the Debt to Equity ratio, with a value of 0.10, BHLB is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.92
Altman-Z N/A
ROIC/WACCN/A
WACC8.36%
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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6

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.
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 28.77% in the past year. This is a very strong growth!
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)28.77%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%1.85%

3.2 Future

The Earnings Per Share is expected to grow by 29.68% on average over the next years. This is a very strong growth
BHLB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 56.30% yearly.
EPS Next Y19.46%
EPS Next 2Y29.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.67%
Revenue Next 2Y56.3%
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 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

A Price/Earnings ratio of 10.52 indicates a reasonable valuation of BHLB.
Compared to the rest of the industry, the Price/Earnings ratio of BHLB indicates a somewhat cheap valuation: BHLB is cheaper than 65.66% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. BHLB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 6.57 indicates a rather cheap valuation of BHLB.
Based on the Price/Forward Earnings ratio, BHLB is valued cheaply inside the industry as 90.40% of the companies are valued more expensively.
BHLB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.52
Fwd PE 6.57
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 70.45% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.48
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 29.68% in the coming years.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y29.68%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

BHLB has a Yearly Dividend Yield of 2.93%.
Compared to an average industry Dividend Yield of 3.51, BHLB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, BHLB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.93%

5.2 History

The dividend of BHLB decreases each year by -6.24%.
BHLB has been paying a dividend for at least 10 years, so it has a reliable track record.
BHLB has decreased its dividend 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

36.76% of the earnings are spent on dividend by BHLB. This is a low number and sustainable payout ratio.
DP36.76%
EPS Next 2Y29.68%
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 (6/13/2025, 8:04:00 PM)

After market: 24.51 0 (0%)

24.51

-0.79 (-3.12%)

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 Change10.58%
Ins Owners0.93%
Ins Owner Change-0.07%
Market Cap1.14B
Analysts76.67
Price Target32.55 (32.8%)
Short Float %8.07%
Short Ratio6.87
Dividend
Industry RankSector Rank
Dividend Yield 2.93%
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP36.76%
Div Incr Years0
Div Non Decr Years2
Ex-Date05-15 2025-05-15 (0.18)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.3%
Min EPS beat(2)8.13%
Max EPS beat(2)10.47%
EPS beat(4)4
Avg EPS beat(4)6.66%
Min EPS beat(4)3.8%
Max EPS beat(4)10.47%
EPS beat(8)6
Avg EPS beat(8)3.06%
EPS beat(12)8
Avg EPS beat(12)0.2%
EPS beat(16)11
Avg EPS beat(16)3.8%
Revenue beat(2)0
Avg Revenue beat(2)-2.5%
Min Revenue beat(2)-2.51%
Max Revenue beat(2)-2.5%
Revenue beat(4)0
Avg Revenue beat(4)-3.42%
Min Revenue beat(4)-4.58%
Max Revenue beat(4)-2.5%
Revenue beat(8)0
Avg Revenue beat(8)-4.74%
Revenue beat(12)4
Avg Revenue beat(12)3.73%
Revenue beat(16)8
Avg Revenue beat(16)14.07%
PT rev (1m)-3.53%
PT rev (3m)-6.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.48%
EPS NY rev (1m)4%
EPS NY rev (3m)2.67%
Revenue NQ rev (1m)1.44%
Revenue NQ rev (3m)2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 10.52
Fwd PE 6.57
P/S 2.5
P/FCF 8.48
P/OCF 8.02
P/B 0.95
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)2.33
EY9.51%
EPS(NY)3.73
Fwd EY15.23%
FCF(TTM)2.89
FCFY11.8%
OCF(TTM)3.06
OCFY12.48%
SpS9.82
BVpS25.84
TBVpS25.54
PEG (NY)0.54
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 8.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.5%
GM N/A
FCFM 29.43%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.92
Debt/EBITDA N/A
Cap/Depr 69.68%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.36%
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 Y19.46%
EPS Next 2Y29.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)28.77%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%1.85%
Revenue Next Year36.67%
Revenue Next 2Y56.3%
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-7.53%
FCF growth 3Y5.1%
FCF growth 5Y3.64%
OCF growth 1Y-3.74%
OCF growth 3Y5.87%
OCF growth 5Y2.35%