Stock BHLB BERKSHIRE HILLS BANCORP, INC.
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Financials Berkshire Hills Bancorp, Inc.

Equities

BHLB

US0846801076

Banks

Market Closed - Nyse
Other stock markets
 04:00:01 2024-04-26 pm EDT 		5-day change 1st Jan Change
22.1 USD 0.00% Intraday chart for Berkshire Hills Bancorp, Inc. +1.80% -10.99%
Apr. 18 Berkshire Hills Bancorp, Inc. Reports Net Charge-Offs for the First Quarter of 2024 CI
Apr. 18 Transcript : Berkshire Hills Bancorp, Inc., Q1 2024 Earnings Call, Apr 18, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,627 861.1 1,363 1,325 1,065 942.1 -
Enterprise Value (EV) 1 1,627 861.1 1,363 1,325 1,065 942.1 942.1
P/E ratio 16.6 x -1.62 x 11.9 x 14.8 x 15.5 x 17 x 8.96 x
Yield 2.8% 4.21% 1.69% 1.81% 2.9% 3.3% 3.32%
Capitalization / Revenue 3.62 x 2.25 x 3.14 x 3.19 x 2.44 x 2.34 x 2.11 x
EV / Revenue 3.62 x 2.25 x 3.14 x 3.19 x 2.44 x 2.34 x 2.11 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.95 x 0.73 x 1.17 x 1.39 x 1.07 x 0.89 x 0.83 x
Nbr of stocks (in thousands) 49,472 50,296 47,947 44,299 42,874 42,630 -
Reference price 2 32.88 17.12 28.43 29.90 24.83 22.10 22.10
Announcement Date 1/27/20 1/25/21 1/20/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 449.3 383.1 434.4 415.6 436.4 403 445.9
EBITDA - - - - - - -
EBIT 1 159.4 - 102.1 135.8 141.6 145.3 160.6
Operating Margin 35.48% - 23.51% 32.67% 32.46% 36.06% 36.01%
Earnings before Tax (EBT) 1 124 -533 149 113.8 78.32 72.08 130.9
Net income 1 96.49 -533.3 118.7 92.53 69.6 54.58 101.6
Net margin 21.48% -139.22% 27.32% 22.27% 15.95% 13.55% 22.79%
EPS 2 1.980 -10.60 2.390 2.020 1.600 1.298 2.467
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.9200 0.7200 0.4800 0.5400 0.7200 0.7300 0.7340
Announcement Date 1/27/20 1/25/21 1/20/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 93.28 90.72 89.74 97.71 108.3 117.6 114.1 109.9 107.8 104.3 105.4 103.5 110.4 105.5 105.8
EBITDA - - - - - - - - - - - - - - -
EBIT 1 25.25 21.23 - - 38.61 44.95 42.15 35.83 - 29.77 33.05 37.6 38 39.8 40.4
Operating Margin 27.07% 23.4% - - 35.64% 38.23% 36.93% 32.61% - 28.54% 31.34% 36.33% 34.44% 37.74% 38.17%
Earnings before Tax (EBT) 1 79.54 24.31 25.19 29.23 23.66 35.73 33.18 27.8 23.29 -5.954 -26.48 28.48 39.19 30.23 30.41
Net income 1 63.75 20.25 20.2 23.12 18.72 30.5 27.64 23.86 19.54 -1.445 -20.19 21.45 27.61 23.48 23.45
Net margin 68.34% 22.32% 22.5% 23.66% 17.28% 25.94% 24.21% 21.72% 18.13% -1.39% -19.14% 20.73% 25.02% 22.27% 22.16%
EPS 2 1.310 0.4200 0.4200 0.5000 0.4200 0.6900 0.6300 0.5500 0.4500 -0.0300 -0.4700 0.5033 0.6533 0.5617 0.5600
Dividend per Share 2 0.1200 0.1200 0.1200 0.1200 0.1200 0.1800 0.1800 0.1800 0.1800 0.1800 0.1800 0.1800 0.1840 0.1860 0.1800
Announcement Date 10/21/21 1/20/22 4/20/22 7/20/22 10/20/22 1/26/23 4/20/23 7/20/23 10/20/23 1/25/24 4/18/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 5.75% -37.5% 10.2% 7.76% 7.07% 5.32% 9.45%
ROA (Net income/ Total Assets) 0.75% -4.15% 0.98% 0.82% 0.59% 0.55% 0.8%
Assets 1 12,865 12,851 12,109 11,285 11,796 9,960 12,705
Book Value Per Share 2 34.70 23.40 24.30 21.50 23.30 24.80 26.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/27/20 1/25/21 1/20/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Berkshire Hills Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
22.1 USD
Average target price
25.25 USD
Spread / Average Target
+14.25%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Retail & Mortgage Banks
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  4. Financials Berkshire Hills Bancorp, Inc.