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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.11
BHLB's Cash to Debt is ranked higher than
50% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. BHLB: 0.11 )
BHLB' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.11

Equity to Asset 0.11
BHLB's Equity to Asset is ranked higher than
79% of the 1739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. BHLB: 0.11 )
BHLB' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.16
Current: 0.11

0.09
0.16
Interest Coverage 1.66
BHLB's Interest Coverage is ranked higher than
72% of the 1607 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. BHLB: 1.66 )
BHLB' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.66
Current: 1.66

0.06
1.66
F-Score: 5
Z-Score: 0.17
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 18.83
BHLB's Operating margin (%) is ranked higher than
61% of the 1765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.49 vs. BHLB: 18.83 )
BHLB' s 10-Year Operating margin (%) Range
Min: -28.11   Max: 36.53
Current: 18.83

-28.11
36.53
Net-margin (%) 13.21
BHLB's Net-margin (%) is ranked higher than
60% of the 1772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.32 vs. BHLB: 13.21 )
BHLB' s 10-Year Net-margin (%) Range
Min: -16.3   Max: 23.92
Current: 13.21

-16.3
23.92
ROE (%) 4.27
BHLB's ROE (%) is ranked higher than
60% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.43 vs. BHLB: 4.27 )
BHLB' s 10-Year ROE (%) Range
Min: -4.05   Max: 9.03
Current: 4.27

-4.05
9.03
ROA (%) 0.51
BHLB's ROA (%) is ranked higher than
64% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. BHLB: 0.51 )
BHLB' s 10-Year ROA (%) Range
Min: -0.6   Max: 0.91
Current: 0.51

-0.6
0.91
ROC (Joel Greenblatt) (%) 5.58
BHLB's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. BHLB: 5.58 )
BHLB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.96   Max: 79.13
Current: 5.58

-43.96
79.13
Revenue Growth (%) 5.80
BHLB's Revenue Growth (%) is ranked higher than
87% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. BHLB: 5.80 )
BHLB' s 10-Year Revenue Growth (%) Range
Min: -7.3   Max: 16.3
Current: 5.8

-7.3
16.3
EBITDA Growth (%) 16.40
BHLB's EBITDA Growth (%) is ranked higher than
85% of the 1376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. BHLB: 16.40 )
BHLB' s 10-Year EBITDA Growth (%) Range
Min: -29.8   Max: 44.1
Current: 16.4

-29.8
44.1
EPS Growth (%) 18.20
BHLB's EPS Growth (%) is ranked higher than
84% of the 1375 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. BHLB: 18.20 )
BHLB' s 10-Year EPS Growth (%) Range
Min: -33.7   Max: 54.2
Current: 18.2

-33.7
54.2
» BHLB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

BHLB Guru Trades in Q3 2013

Columbia Wanger 305,600 sh (-20.95%)
Chuck Royce 618,792 sh (-36.72%)
» More
Q4 2013

BHLB Guru Trades in Q4 2013

Paul Tudor Jones 10,400 sh (New)
Columbia Wanger 305,600 sh (unchged)
Chuck Royce 543,792 sh (-12.12%)
» More
Q1 2014

BHLB Guru Trades in Q1 2014

Chuck Royce 548,792 sh (+0.92%)
Paul Tudor Jones 10,400 sh (unchged)
Columbia Wanger 305,600 sh (unchged)
» More
Q2 2014

BHLB Guru Trades in Q2 2014

Paul Tudor Jones 11,000 sh (+5.77%)
Chuck Royce 460,392 sh (-16.11%)
Columbia Wanger 171,100 sh (-44.01%)
» More
» Details

Insider Trades

Latest Guru Trades with BHLB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.20
BHLB's P/E(ttm) is ranked higher than
65% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.00 vs. BHLB: 20.20 )
BHLB' s 10-Year P/E(ttm) Range
Min: 10.14   Max: 39.12
Current: 20.2

10.14
39.12
P/B 0.86
BHLB's P/B is ranked higher than
85% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. BHLB: 0.86 )
BHLB' s 10-Year P/B Range
Min: 0.6   Max: 1.86
Current: 0.86

0.6
1.86
P/S 2.67
BHLB's P/S is ranked higher than
78% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. BHLB: 2.67 )
BHLB' s 10-Year P/S Range
Min: 2.05   Max: 4.79
Current: 2.67

2.05
4.79
PFCF 5.83
BHLB's PFCF is ranked higher than
91% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 227.00 vs. BHLB: 5.83 )
BHLB' s 10-Year PFCF Range
Min: 4.6   Max: 224.73
Current: 5.83

4.6
224.73
EV-to-EBIT 37.26
BHLB's EV-to-EBIT is ranked higher than
62% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.15 vs. BHLB: 37.26 )
BHLB' s 10-Year EV-to-EBIT Range
Min: 17.6   Max: 62.3
Current: 37.26

17.6
62.3
Shiller P/E 27.28
BHLB's Shiller P/E is ranked higher than
77% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.31 vs. BHLB: 27.28 )
BHLB' s 10-Year Shiller P/E Range
Min: 11.75   Max: 31.4
Current: 27.28

11.75
31.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
BHLB's Dividend Yield is ranked higher than
65% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.39 vs. BHLB: 3.10 )
BHLB' s 10-Year Dividend Yield Range
Min: 0.92   Max: 3.87
Current: 3.1

0.92
3.87
Dividend Payout 0.62
BHLB's Dividend Payout is ranked higher than
59% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. BHLB: 0.62 )
BHLB' s 10-Year Dividend Payout Range
Min: 0.2   Max: 1.5
Current: 0.62

0.2
1.5
Dividend growth (3y) 4.00
BHLB's Dividend growth (3y) is ranked higher than
76% of the 1033 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. BHLB: 4.00 )
BHLB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 53.3
Current: 4

0
53.3
Yield on cost (5-Year) 3.63
BHLB's Yield on cost (5-Year) is ranked higher than
62% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. BHLB: 3.63 )
BHLB' s 10-Year Yield on cost (5-Year) Range
Min: 1.08   Max: 4.53
Current: 3.63

1.08
4.53
Share Buyback Rate -21.60
BHLB's Share Buyback Rate is ranked higher than
54% of the 1304 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. BHLB: -21.60 )
BHLB' s 10-Year Share Buyback Rate Range
Min: 4.6   Max: -21.6
Current: -21.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
BHLB's Price/Tangible Book is ranked higher than
68% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. BHLB: 1.44 )
BHLB' s 10-Year Price/Tangible Book Range
Min: 0.67   Max: 2.19
Current: 1.44

0.67
2.19
Price/DCF (Projected) 0.62
BHLB's Price/DCF (Projected) is ranked higher than
82% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. BHLB: 0.62 )
BHLB' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.95
Current: 0.62

0.5
0.95
Price/Median PS Value 0.95
BHLB's Price/Median PS Value is ranked higher than
88% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. BHLB: 0.95 )
BHLB' s 10-Year Price/Median PS Value Range
Min: 0.82   Max: 1.77
Current: 0.95

0.82
1.77
Price/Graham Number 1.14
BHLB's Price/Graham Number is ranked higher than
69% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. BHLB: 1.14 )
BHLB' s 10-Year Price/Graham Number Range
Min: 0.72   Max: 2.73
Current: 1.14

0.72
2.73
Earnings Yield (Greenblatt) 2.70
BHLB's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. BHLB: 2.70 )
BHLB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 5.7
Current: 2.7

1.6
5.7
Forward Rate of Return (Yacktman) 7.51
BHLB's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.57 vs. BHLB: 7.51 )
BHLB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.6   Max: 33.8
Current: 7.51

3.6
33.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Berkshire Hills Bancorp, Inc. is a Delaware corporation and the holding company for the Berkshire Bank and Berkshire Insurance Group. The Bank has 75 full-service banking offices and 10 lending offices in its New England and upstate New York footprint, which extends along Interstate 90 from Boston to Syracuse, and along Interstate 91 from Hartford into Vermont. The Company is subject to strong competition from banks and other financial institutions and financial service providers. Its competition includes national and super-regional banks such as Bank of America, TD Bank, Citizens Bank, Sovereign Bank, and Key Bank which have substantially greater resources and lending limits. Non-bank competitors include credit unions, brokerage firms, insurance providers, financial planners, and the mutual fund industry. Deposits are the major source of funds for the Bank's lending and investment activities. Deposit accounts are the primary product and service interaction with the Bank's customers. The Bank serves personal, commercial, non-profit, and municipal deposit customers. The Company uses interest rate swap instruments for its own account and also offers them for sale to commercial customers for their own accounts, normally in conjunction with commercial loans offered by the Bank to these customers. The Company's Wealth Management Group provides consultative investment management and trust relationships to individuals, businesses, and institutions, with an emphasis on personal investment management. As an independent insurance agent, the Berkshire Insurance Group represents a carefully selected group of financially sound, reputable insurance companies offering coverage at competitive prices. The Insurance Group offers a line of personal and commercial property and casualty insurance. The Company has two reportable operating segments, banking and insurance. Banking includes the activities of the Bank and its subsidiaries, which provide commercial and retail banking services. Insurance includes the activities of Berkshire Insurance Group, which provides commercial and consumer insurance services. The Company is a Delaware corporation and savings and loan holding company registered with the Federal Reserve Board.
» More Articles for BHLB

Headlines

Articles On GuruFocus.com
The Best-Yielding Ex-Dividend Stocks on Feb. 12, 2013 Feb 11 2013 
Berkshire Hills Bancorp Inc. (BHLB) President and CEO Michael P Daly sells 7,612 Shares Feb 01 2011 
Berkshire Hills Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2010 
Berkshire Hills Bancorp Inc. (BHLB) CFO Kevin P Riley buys 1,000 Shares Aug 17 2010 
Berkshire Hills Bancorp Inc. Reports Operating Results (10-Q) Aug 09 2010 
Berkshire Hills Bancorp Inc. (BHLB) CFO Kevin P Riley buys 2,000 Shares Jun 15 2010 
Berkshire Hills Bancorp Inc. (BHLB) CFO Kevin P Riley buys 1,000 Shares May 11 2010 
Weekly CEO Buys Highlight: Hornbeck Offshore Services Inc, Huntsman Corp, Berkshire Hills Bancorp Dec 20 2008 
Weekly CFO Watch: Exide Technologies (XIDE), Cost Plus Inc. (CPWM), Jamba Inc. (JMBA), Clinical Data Sep 12 2007 

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