BERKSHIRE HILLS BANCORP INC(NYSE:BHLB) stock Fundamental Analysis

Fundamental Rating

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. Both the profitability and financial health of BHLB have multiple concerns. BHLB has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

BHLB had positive earnings in the past year.

In the past year BHLB had a positive cash flow from operations.

Of the past 5 years BHLB 4 years were profitable.

Each year in the past 5 years BHLB had a positive operating cash flow.

1.2 Ratios

The Return On Assets of BHLB (0.50%) is worse than 73.12% 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 74.37% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 15.25%, BHLB is doing worse than 74.87% of the companies in the same industry.

In the last couple of years the Profit Margin of BHLB has declined.

BHLB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BHLB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BHLB has more shares outstanding

Compared to 5 years ago, BHLB has less shares outstanding

The debt/assets ratio for BHLB has been reduced compared to a year ago.

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 75.38% of the companies in the same industry.

A Debt/Equity ratio of 0.10 indicates that BHLB is not too dependend on debt financing.

BHLB has a better Debt to Equity ratio (0.10) than 70.60% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.02
Altman-Z	N/A

ROIC/WACCN/A

WACC8.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BHLB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.83%.

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 decreased by -2.87% in the past year.

The Revenue has been decreasing by -2.30% on average over the past years.

EPS 1Y (TTM)1.83%

EPS 3Y-2.83%

EPS 5Y-1.63%

EPS Q2Q%9.09%

Revenue 1Y (TTM)-2.87%

Revenue growth 3Y-2.71%

Revenue growth 5Y-2.3%

Sales Q2Q%-1.77%

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 57.42% 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 Year37.2%

Revenue Next 2Y57.42%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.30, which indicates a very decent valuation of BHLB.

Compared to the rest of the industry, the Price/Earnings ratio of BHLB is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 28.92, BHLB is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.84, the valuation of BHLB can be described as very reasonable.

BHLB's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of BHLB to the average of the S&P500 Index (21.65), we can say BHLB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.3
Fwd PE	9.84

4.2 Price Multiples

BHLB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BHLB is cheaper than 65.58% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.64
EV/EBITDA	N/A

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.

BHLB's earnings are expected to grow with 31.22% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.76

PEG (5Y)N/A

EPS Next 2Y31.22%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BHLB has a Yearly Dividend Yield of 3.05%. Purely for dividend investing, there may be better candidates out there.

BHLB's Dividend Yield is comparable with the industry average which is at 3.63.

BHLB's Dividend Yield is a higher than the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	3.05%

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 Years1

Div Non Decr Years2

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

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BERKSHIRE HILLS BANCORP INC

NYSE:BHLB (4/24/2025, 7:55:13 PM)

After market: 25.08 0 (0%)

25.08

+0.78 (+3.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/bmo

Earnings (Next)04-24 2025-04-24/bmo

Inst Owners88.31%

Inst Owner Change0.54%

Ins Owners0.93%

Ins Owner Change-0.07%

Market Cap1.16B

Analysts76.67

Price Target34.38 (37.08%)

Short Float %4.3%

Short Ratio4.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.05%

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 Rank	Sector Rank
PE	11.3
Fwd PE	9.84
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)2.22

EY8.85%

EPS(NY)2.55

Fwd EY10.17%

FCF(TTM)2.6

FCFY10.37%

OCF(TTM)2.7

OCFY10.76%

SpS8.62

BVpS25.17

TBVpS24.85

PEG (NY)0.76

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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)1.83%

EPS 3Y-2.83%

EPS 5Y-1.63%

EPS Q2Q%9.09%

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%-1.77%

Revenue Next Year37.2%

Revenue Next 2Y57.42%

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%

BERKSHIRE HILLS BANCORP INC (BHLB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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