Berkshire Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Berkshire Hills Bancorp
BHLB Stock  USD 26.32  0.17  0.65%   
Berkshire Hills financial statements provide useful quarterly and yearly information to potential Berkshire Hills Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Berkshire Hills financial statements helps investors assess Berkshire Hills' valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Berkshire Hills' valuation are summarized below:
Gross Profit
376 M
Profit Margin
0.1622
Market Capitalization
1.2 B
Enterprise Value Revenue
4.4676
Revenue
376 M
We have found one hundred twenty available fundamental signals for Berkshire Hills Bancorp, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to validate all of Berkshire Hills Bancorp prevailing market performance against the performance between 2010 and 2025 to make sure the company can sustain itself down the road. The current year's Market Cap is expected to grow to about 1.5 B, whereas Enterprise Value is forecasted to decline to about 193.3 M.

Berkshire Hills Total Revenue

644.63 Million

Check Berkshire Hills financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Berkshire Hills' main balance sheet or income statement drivers, such as Depreciation And Amortization of 8.7 M, Interest Expense of 275.5 M or Selling General Administrative of 98 M, as well as many indicators such as Price To Sales Ratio of 3.27, Dividend Yield of 0.019 or PTB Ratio of 0.78. Berkshire financial statements analysis is a perfect complement when working with Berkshire Hills Valuation or Volatility modules.
  
Check out the analysis of Berkshire Hills Correlation against competitors.

Berkshire Hills Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets6.7 B12.3 B9 B
Slightly volatile
Short and Long Term Debt Total98.3 M103.5 M656.2 M
Pretty Stable
Total Current Liabilities106.9 M112.5 M993 M
Pretty Stable
Total Stockholder Equity747.8 M1.2 B983.5 M
Slightly volatile
Property Plant And Equipment Net67.3 M56.6 M86.4 M
Slightly volatile
Cash114.8 M182.8 M158.3 M
Slightly volatile
Non Current Assets Total68.1 M71.7 M2.4 B
Slightly volatile
Cash And Short Term Investments929 M1.1 B1.4 B
Slightly volatile
Net Receivables90.3 M86 M52.8 M
Slightly volatile
Common Stock Shares Outstanding26.1 M42.8 M34.3 M
Slightly volatile
Liabilities And Stockholders Equity6.7 B12.3 B9 B
Slightly volatile
Non Current Liabilities Total11.6 B11 B2.4 B
Slightly volatile
Other Current Assets2.8 B1.5 B3.2 B
Pretty Stable
Total Liabilities5.9 B11.1 B8 B
Slightly volatile
Property Plant And Equipment Gross208.9 M198.9 M140.9 M
Slightly volatile
Total Current Assets1.1 B1.1 B4 B
Slightly volatile
Short Term Debt98.3 M103.5 M410.3 M
Slightly volatile
Other Liabilities70.5 M101.9 M98.1 M
Slightly volatile
Accounts Payable8.6 M9 M1.4 B
Slightly volatile
Long Term Debt261.3 M334.6 M270.2 M
Slightly volatile
Common Stock Total Equity637.6 K607.2 K411.4 K
Slightly volatile
Short Term Investments948.1 M945.6 M1.3 B
Slightly volatile
Intangible Assets22.7 M15.1 M25.4 M
Slightly volatile
Common Stock533.9 K562 K168.8 M
Pretty Stable
Property Plant Equipment67.7 M98 M87.8 M
Slightly volatile
Net Tangible Assets824.9 M1.1 B759.5 M
Slightly volatile
Capital Surpluse1.1 B1.6 B1 B
Slightly volatile
Long Term Investments1.1 B1.2 B5.2 B
Slightly volatile
Non Current Liabilities Other231.5 M294.4 M212.9 M
Slightly volatile
Long Term Debt Total114.8 M136.6 M109.6 M
Slightly volatile
Earning Assets2.2 B2.7 B2 B
Slightly volatile
Capital Lease Obligations54.6 M56.9 M35.7 M
Slightly volatile
Net Invested Capital1.5 B1.6 B2.2 B
Slightly volatile
Capital Stock533.9 K562 K25.9 M
Slightly volatile

Berkshire Hills Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization8.7 M15.3 M10.6 M
Slightly volatile
Interest Expense275.5 M262.4 M92.3 M
Slightly volatile
Selling General Administrative98 M167.8 M131.3 M
Slightly volatile
Selling And Marketing Expenses4.3 M4.5 M4.4 M
Pretty Stable
Total Revenue644.6 M613.9 M358.9 M
Slightly volatile
Gross Profit460.5 M438.6 M231.4 M
Slightly volatile
Other Operating Expenses168.9 M179.9 M225.2 M
Slightly volatile
Cost Of Revenue115.9 M175.4 M162.3 M
Slightly volatile
Non Recurring20.1 M36.3 M22.1 M
Slightly volatile
Net Interest Income346.8 M351.6 M285.5 M
Slightly volatile
Interest Income457.1 M613.9 M365.5 M
Slightly volatile
Preferred Stock And Other Adjustments662.8 K359.9 K369 K
Slightly volatile
Reconciled Depreciation12 M11.6 M14.1 M
Very volatile

Berkshire Hills Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow71 M120.6 M96.6 M
Slightly volatile
Begin Period Cash Flow1.3 B1.2 B497.4 M
Slightly volatile
Depreciation10.7 M11.6 M12.7 M
Slightly volatile
Capital Expenditures6.7 M4.6 M7.8 M
Slightly volatile
Total Cash From Operating Activities77.5 M125.2 M104.4 M
Slightly volatile
End Period Cash Flow1.2 B1.1 B560.1 M
Slightly volatile
Dividends Paid18.9 M30.9 M24.9 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.271.96842.9013
Very volatile
Dividend Yield0.0190.02560.0253
Very volatile
PTB Ratio0.781.03520.9481
Slightly volatile
Days Sales Outstanding36.0651.140846.5434
Slightly volatile
Book Value Per Share22.7427.463627.9637
Pretty Stable
Free Cash Flow Yield0.07450.09980.0987
Pretty Stable
Operating Cash Flow Per Share2.252.94552.8486
Pretty Stable
Stock Based Compensation To Revenue0.01470.01350.0134
Very volatile
Capex To Depreciation0.150.160.6373
Slightly volatile
PB Ratio0.781.03520.9481
Slightly volatile
EV To Sales1.751.83934.6101
Slightly volatile
Free Cash Flow Per Share1.972.8382.5542
Slightly volatile
Payables Turnover18.519.473792.3373
Pretty Stable
Sales General And Administrative To Revenue0.320.27340.3996
Slightly volatile
Capex To Revenue0.00350.00360.0325
Slightly volatile
Cash Per Share19.726.545835.7834
Slightly volatile
POCF Ratio13.189.652110.8314
Very volatile
Capex To Operating Cash Flow0.01280.01350.1367
Slightly volatile
PFCF Ratio10.5210.017614.3797
Slightly volatile
Days Payables Outstanding19.6818.74329.9949
Pretty Stable
EV To Operating Cash Flow8.579.018916.7106
Slightly volatile
EV To Free Cash Flow9.839.360523.1387
Slightly volatile
Intangibles To Total Assets0.00120.00120.0279
Slightly volatile
Current Ratio9.5310.0299406
Pretty Stable
Tangible Book Value Per Share16.1827.109320.3858
Slightly volatile
Receivables Turnover9.197.13728.1649
Slightly volatile
Graham Number24.629.77932.0816
Pretty Stable
Shareholders Equity Per Share22.727.463627.9612
Pretty Stable
Debt To Equity0.08420.08870.6936
Slightly volatile
Capex Per Share0.04590.04840.2761
Slightly volatile
Revenue Per Share7.3414.44299.3418
Slightly volatile
Interest Debt Per Share8.188.606723.0368
Slightly volatile
Debt To Assets0.0080.00840.08
Slightly volatile
Short Term Coverage Ratios0.661.20970.9633
Very volatile
Price Book Value Ratio0.781.03520.9481
Slightly volatile
Days Of Payables Outstanding19.6818.74329.9949
Pretty Stable
Price To Operating Cash Flows Ratio13.189.652110.8314
Very volatile
Price To Free Cash Flows Ratio10.5210.017614.3797
Slightly volatile
Ebt Per Ebit0.190.18320.7111
Slightly volatile
Effective Tax Rate0.290.23280.2148
Pretty Stable
Company Equity Multiplier6.9410.51329.0663
Slightly volatile
Long Term Debt To Capitalization0.330.230.2253
Pretty Stable
Total Debt To Capitalization0.07740.08140.3585
Slightly volatile
Debt Equity Ratio0.08420.08870.6936
Slightly volatile
Quick Ratio9.5310.0299577
Pretty Stable
Dividend Paid And Capex Coverage Ratio2.424.04673.1266
Slightly volatile
Net Income Per E B T0.590.76720.7779
Very volatile
Cash Ratio1.541.624615.2463
Slightly volatile
Operating Cash Flow Sales Ratio0.250.20390.3061
Very volatile
Days Of Sales Outstanding36.0651.140846.5434
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.650.96350.8408
Slightly volatile
Cash Flow Coverage Ratios1.271.20970.3819
Slightly volatile
Price To Book Ratio0.781.03520.9481
Slightly volatile
Fixed Asset Turnover11.3910.84524.4131
Slightly volatile
Capital Expenditure Coverage Ratio80.5276.6931.8223
Slightly volatile
Price Cash Flow Ratio13.189.652110.8314
Very volatile
Debt Ratio0.0080.00840.08
Slightly volatile
Cash Flow To Debt Ratio1.271.20970.3819
Slightly volatile
Price Sales Ratio3.271.96842.9013
Very volatile
Asset Turnover0.04220.050.0377
Pretty Stable
Gross Profit Margin0.360.71440.4521
Very volatile
Price Fair Value0.781.03520.9481
Slightly volatile

Berkshire Hills Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.5 B1.5 B1.5 B
Slightly volatile
Enterprise Value193.3 M384.1 M389.8 M
Very volatile

Berkshire Fundamental Market Drivers

Forward Price Earnings10.8578
Cash And Short Term Investments1.1 B

Berkshire Upcoming Events

18th of April 2024
Upcoming Quarterly Report
View
18th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Berkshire Hills Financial Statements

Berkshire Hills stakeholders use historical fundamental indicators, such as Berkshire Hills' revenue or net income, to determine how well the company is positioned to perform in the future. Although Berkshire Hills investors may analyze each financial statement separately, they are all interrelated. For example, changes in Berkshire Hills' assets and liabilities are reflected in the revenues and expenses on Berkshire Hills' income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Berkshire Hills Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-10.5 M-11.1 M
Total Revenue613.9 M644.6 M
Cost Of Revenue175.4 M115.9 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.27  0.32 
Revenue Per Share 14.44  7.34 
Ebit Per Revenue 0.71  0.39 

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When determining whether Berkshire Hills Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Berkshire Hills' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Berkshire Hills Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Berkshire Hills Bancorp Stock:
How To Invest In Berkshire
Details
Is Berkshire Stock a good investment?
Details
What is Berkshire Hills' Net Worth?
Details
Largest Regional Banks Companies
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Largest Banks - Regional Companies
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Check out the analysis of Berkshire Hills Correlation against competitors.
You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Berkshire Hills. If investors know Berkshire will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Berkshire Hills listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.956
Dividend Share
0.72
Earnings Share
1.43
Revenue Per Share
8.845
Quarterly Revenue Growth
0.426
The market value of Berkshire Hills Bancorp is measured differently than its book value, which is the value of Berkshire that is recorded on the company's balance sheet. Investors also form their own opinion of Berkshire Hills' value that differs from its market value or its book value, called intrinsic value, which is Berkshire Hills' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Berkshire Hills' market value can be influenced by many factors that don't directly affect Berkshire Hills' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
Please note, there is a significant difference between Berkshire Hills' value and its price as these two are different measures arrived at by different means. Investors typically determine if Berkshire Hills is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Berkshire Hills' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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