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

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 16.75

Change

+0.35 (+2.13)%

Market Cap

USD 0.83B

Volume

0.38M

Average Target Price

USD 13.75 (-17.91%)
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, 2019, 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: 2020-12-01 )

Largest Industry Peers for Banks—Regional

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

+1.23 (+1.78%)

USD108.95B 133.33 N/A
USB-PH U.S. Bancorp

+0.11 (+0.47%)

USD96.83B 7.78 N/A
USB-PP U.S. Bancorp

+0.06 (+0.21%)

USD88.44B 9.33 N/A
USB-PO U.S. Bancorp

-0.01 (-0.04%)

USD83.07B 8.45 N/A
USB-PM U.S. Bancorp

+0.01 (+0.04%)

USD80.85B 8.87 N/A
USB U.S. Bancorp

+1.04 (+2.41%)

USD65.09B 14.30 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
PNC The PNC Financial Services Gro..

+2.65 (+1.92%)

USD58.50B 8.30 N/A
ITUB Itaú Unibanco Holding S.A

+0.38 (+7.10%)

USD48.55B 8.36 N/A
IBN ICICI Bank Limited

+0.53 (+4.12%)

USD43.61B 36.95 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 -49.06% 6% F 6% F
Dividend Return 1.82% 28% F 46% F
Total Return -47.23% 7% F 6% F
Trailing 12 Months  
Capital Gain -46.25% 3% F 6% F
Dividend Return 1.93% 20% F 42% F
Total Return -44.32% 3% F 6% F
Trailing 5 Years  
Capital Gain -43.87% 13% F 14% F
Dividend Return 13.54% 39% F 46% F
Total Return -30.33% 14% F 14% F
Average Annual (5 Year Horizon)  
Capital Gain -3.66% N/A N/A 23% F
Dividend Return 2.63% N/A N/A 63% D
Total Return -1.03% N/A N/A 26% F
Risk Return Profile  
Volatility (Standard Deviation) 30.59% N/A N/A 20% F
Risk Adjusted Return -3.38% N/A N/A 29% F
Market Capitalization 0.83B 23% F 51% 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%

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 79% C+ 84% B
Price/Book Ratio 0.77 76% C 83% B
Price / Cash Flow Ratio 7.47 49% F 47% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -33.85% 2% F 11% F
Return on Invested Capital 3.59% 25% F 38% F
Return on Assets -3.82% 2% F 10% F
Debt to Equity Ratio 39.95% 56% F 67% D+
Technical Ratios  
Short Ratio 3.38 39% F 31% F
Short Percent 3.77% 25% F 54% F
Beta 1.08 74% C 48% 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.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value 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.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

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.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Low Dividend Growth

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