(BHLB) Berkshire Hills Bancorp - Ratings and Ratios
Commercial, Retail, Wealth, Lending, Deposits
BHLB EPS (Earnings per Share)
BHLB Revenue
Description: BHLB Berkshire Hills Bancorp
Berkshire Hills Bancorp Inc (NYSE:BHLB) is a regional bank holding company based in the United States. As a regional bank, its performance is closely tied to the local economy, particularly in the New England region where it operates.
The companys financial health is reflected in its Return on Equity (RoE) of 9.73%, indicating a decent level of profitability. However, to gain a deeper understanding, its essential to examine the drivers behind this metric, such as net interest margin, asset quality, and operating efficiency.
Key economic drivers for BHLB include interest rates, as changes in rates can impact net interest income, and the overall health of the regional economy, including factors like unemployment rates, housing market trends, and small business growth. The banks exposure to the local commercial and residential real estate markets also plays a significant role in its performance.
To evaluate BHLBs investment potential, its crucial to monitor key performance indicators (KPIs) such as the efficiency ratio, loan growth, and credit quality metrics like non-performing assets (NPA) ratio and charge-off rates. A low P/E ratio of 9.66 compared to its peers may indicate undervaluation, but its essential to understand the underlying reasons, such as potential asset quality issues or market concerns about future earnings growth.
Further analysis is required to determine whether BHLBs current valuation presents a buying opportunity. This involves assessing the banks capital management, dividend sustainability, and its ability to navigate potential economic downturns. By deconstructing these factors, investors can make a more informed decision about the stocks potential for long-term growth.
BHLB Stock Overview
| Market Cap in USD | 2,202m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2000-06-28 |
BHLB Stock Ratings
| Growth Rating | -6.39% |
| Fundamental | 54.1% |
| Dividend Rating | 66.7% |
| Return 12m vs S&P 500 | -12.6% |
| Analyst Rating | 4.0 of 5 |
BHLB Dividends
| Dividend Yield 12m | 3.41% |
| Yield on Cost 5y | 9.90% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 93.9% |
| Payout Ratio | 29.6% |
BHLB Growth Ratios
| Growth Correlation 3m | 39.7% |
| Growth Correlation 12m | -48.5% |
| Growth Correlation 5y | 33.7% |
| CAGR 5y | 0.43% |
| CAGR/Max DD 3y | 0.01 |
| CAGR/Mean DD 3y | 0.02 |
| Sharpe Ratio 12m | -1.10 |
| Alpha | -16.73 |
| Beta | 0.723 |
| Volatility | 29.48% |
| Current Volume | 1430.9k |
| Average Volume 20d | 422.5k |
| Stop Loss | 25.7 (-3%) |
| Signal | 1.37 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (113.3m TTM) > 0 and > 6% of Revenue (6% = 23.7m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -2453 % (prev -1404 %; Δ -1049 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 145.4m > Net Income 113.3m (YES >=105%, WARN >=100%) |
| Net Debt (-132.0m) to EBITDA (158.8m) ratio: -0.83 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (46.0m) change vs 12m ago 8.31% (target <= -2.0% for YES) |
| Gross Margin 41.94% (prev 53.97%; Δ -12.04pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.26% (prev 4.92%; Δ -1.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.61 (EBITDA TTM 158.8m / Interest Expense TTM 251.0m) >= 6 (WARN >= 3) |
Altman Z'' -5.18
| (A) -0.80 = (Total Current Assets 802.7m - Total Current Liabilities 10.49b) / Total Assets 12.03b |
| (B) 0.00 = Retained Earnings (Balance) 36.3m / Total Assets 12.03b |
| (C) 0.01 = EBIT TTM 153.3m / Avg Total Assets 12.13b |
| (D) 0.00 = Book Value of Equity 36.3m / Total Liabilities 10.81b |
| Total Rating: -5.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 54.09
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 6.84% = 3.42 |
| 3. FCF Margin 34.38% = 7.50 |
| 4. Debt/Equity 0.48 = 2.39 |
| 5. Debt/Ebitda 3.69 = -2.42 |
| 6. ROIC - WACC -1.84% = -2.30 |
| 7. RoE 9.73% = 0.81 |
| 8. Rev. Trend -45.65% = -3.42 |
| 9. EPS Trend 2.45% = 0.12 |
What is the price of BHLB shares?
Over the past week, the price has changed by +0.00%, over one month by +4.91%, over three months by +10.04% and over the past year by +2.03%.
Is Berkshire Hills Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BHLB is around 24.55 USD . This means that BHLB is currently overvalued and has a potential downside of -7.36%.
Is BHLB a buy, sell or hold?
- Strong Buy: 2
- Buy: 1
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BHLB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31.7 | 19.5% |
| Analysts Target Price | 31.7 | 19.5% |
| ValueRay Target Price | 27.4 | 3.3% |
Last update: 2025-09-06 04:33
BHLB Fundamental Data Overview
CCE Cash And Equivalents = 802.7m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.207
P/E Forward = 8.1566
P/S = 5.017
P/B = 1.8167
P/EG = 1.74
Beta = 0.657
Revenue TTM = 394.9m USD
EBIT TTM = 153.3m USD
EBITDA TTM = 158.8m USD
Long Term Debt = 225.6m USD (from longTermDebt, last quarter)
Short Term Debt = 360.0m USD (from shortLongTermDebt, last quarter)
Debt = 585.6m USD (Calculated: Short Term 360.0m + Long Term 225.6m)
Net Debt = -132.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.98b USD (2.20b + Debt 585.6m - CCE 802.7m)
Interest Coverage Ratio = 0.61 (Ebit TTM 153.3m / Interest Expense TTM 251.0m)
FCF Yield = 6.84% (FCF TTM 135.8m / Enterprise Value 1.98b)
FCF Margin = 34.38% (FCF TTM 135.8m / Revenue TTM 394.9m)
Net Margin = 28.68% (Net Income TTM 113.3m / Revenue TTM 394.9m)
Gross Margin = 41.94% ((Revenue TTM 394.9m - Cost of Revenue TTM 229.3m) / Revenue TTM)
Tobins Q-Ratio = 54.69 (Enterprise Value 1.98b / Book Value Of Equity 36.3m)
Interest Expense / Debt = 10.17% (Interest Expense 59.5m / Debt 585.6m)
Taxrate = 23.28% (18.5m / 79.5m)
NOPAT = 117.6m (EBIT 153.3m * (1 - 23.28%))
Current Ratio = 0.08 (Total Current Assets 802.7m / Total Current Liabilities 10.49b)
Debt / Equity = 0.48 (Debt 585.6m / last Quarter total Stockholder Equity 1.22b)
Debt / EBITDA = 3.69 (Net Debt -132.0m / EBITDA 158.8m)
Debt / FCF = 4.31 (Debt 585.6m / FCF TTM 135.8m)
Total Stockholder Equity = 1.16b (last 4 quarters mean)
RoA = 0.94% (Net Income 113.3m, Total Assets 12.03b )
RoE = 9.73% (Net Income TTM 113.3m / Total Stockholder Equity 1.16b)
RoCE = 11.03% (Ebit 153.3m / (Equity 1.16b + L.T.Debt 225.6m))
RoIC = 6.65% (NOPAT 117.6m / Invested Capital 1.77b)
WACC = 8.50% (E(2.20b)/V(2.79b) * Re(8.68%)) + (D(585.6m)/V(2.79b) * Rd(10.17%) * (1-Tc(0.23)))
Shares Correlation 3-Years: -30.30 | Cagr: 0.20%
Discount Rate = 8.68% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.54% ; FCFE base≈135.9m ; Y1≈140.7m ; Y5≈159.9m
Fair Price DCF = 53.88 (DCF Value 2.50b / Shares Outstanding 46.4m; 5y FCF grow 3.64% → 3.0% )
EPS Correlation: 2.45 | EPS CAGR: 3.97% | SUE: 2.97 | # QB: True
Revenue Correlation: -45.65 | Revenue CAGR: -99.99%
Additional Sources for BHLB Stock
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Fund Manager Positions: Dataroma | Stockcircle