BHLB:NYE-Berkshire Hills Bancorp, Inc (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 27.55

Change

-1.09 (-3.81)%

Market Cap

USD 1.47B

Volume

0.27M

Average Target Price

USD 22.75 (-17.42%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Berkshire Hills Bancorp, Inc. operates as a bank holding company for Berkshire Bank that provides various banking products and services. It offers various deposit accounts, including demand deposit, NOW, regular savings, money market savings, time certificates of deposit, and retirement deposit accounts; and loans, such as commercial real estate, commercial and industrial, consumer, and residential mortgage loans. The company also provides wealth management services comprising investment management, trust administration, and financial planning; and investment products, financial planning, and brokerage services. In addition, it offers electronic banking, commercial cash management, online banking, and mobile banking services; and debit cards and other electronic fee producing payment services to transaction account customers. Further, the company, through its subsidiary, Berkshire Insurance Group, Inc., provides personal and commercial property, and casualty insurance; employee benefits insurance; and life, health, and financial services insurance products. It serves personal, commercial, not- profit, and municipal deposit customers. As of December 31, 2020, the company operated 130 full-service branches in Massachusetts, New York, Connecticut, Vermont, Central New Jersey, and Eastern Pennsylvania. Berkshire Hills Bancorp, Inc. was founded in 1846 and is headquartered in Boston, Massachusetts.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-06-17 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

-0.30 (-0.40%)

USD137.55B 190.04 N/A
USB-PH U.S. Bancorp

+0.04 (+0.16%)

USD102.67B 6.58 N/A
USB-PP U.S. Bancorp

+0.06 (+0.21%)

USD89.19B 7.50 N/A
USB U.S. Bancorp

-2.72 (-4.65%)

USD87.06B 15.42 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
PNC The PNC Financial Services Gro..

-7.66 (-4.03%)

USD80.77B 9.94 N/A
USB-PM U.S. Bancorp

-0.02 (-0.08%)

USD79.13B 6.92 N/A
BSBR Banco Santander (Brasil) S.A

-0.14 (-1.54%)

USD67.80B 12.58 N/A
ITUB Itaú Unibanco Holding S.A

-0.02 (-0.31%)

USD64.12B 15.32 N/A
IBN ICICI Bank Limited

-0.25 (-1.44%)

USD60.29B 23.68 N/A

ETFs Containing BHLB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 60.92% 98% A+ 94% A
Dividend Return 0.70% 10% F 30% F
Total Return 61.62% 98% A+ 94% A
Trailing 12 Months  
Capital Gain 143.16% 99% A+ 93% A
Dividend Return 5.30% 60% D- 70% C-
Total Return 148.46% 99% A+ 93% A
Trailing 5 Years  
Capital Gain 6.29% 29% F 36% F
Dividend Return 14.97% 38% F 51% F
Total Return 21.26% 36% F 33% F
Average Annual (5 Year Horizon)  
Capital Gain -7.80% 10% F 10% F
Dividend Return 2.65% 70% C- 60% D-
Total Return -5.15% 9% F 10% F
Risk Return Profile  
Volatility (Standard Deviation) 40.87% 16% F 23% F
Risk Adjusted Return -12.60% 14% F 11% F
Market Capitalization 1.47B 30% F 54% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.57 83% B 85% B
Price/Book Ratio 1.19 60% D- 71% C-
Price / Cash Flow Ratio 6.44 59% F 60% D-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -33.69% 1% F 12% F
Return on Invested Capital N/A N/A N/A N/A N/A
Return on Assets -3.77% 1% F 10% F
Debt to Equity Ratio 48.13% 44% F 64% D
Technical Ratios  
Short Ratio 3.97 47% F 27% F
Short Percent 3.30% 19% F 49% F
Beta 1.25 51% F 38% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.