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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 0.07
BHLB's Cash to Debt is ranked lower than
51% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.52 vs. BHLB: 0.07 )
BHLB' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.07

Equity to Asset 0.11
BHLB's Equity to Asset is ranked higher than
80% of the 2028 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
73% of the 1861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 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: 0.18
WACC vs ROIC
4.87%
2.04%
WACC
ROIC
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 (%) 20.09
BHLB's Operating margin (%) is ranked higher than
62% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.72 vs. BHLB: 20.09 )
BHLB' s 10-Year Operating margin (%) Range
Min: -28.11   Max: 36.53
Current: 20.09

-28.11
36.53
Net-margin (%) 14.90
BHLB's Net-margin (%) is ranked higher than
62% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.65 vs. BHLB: 14.90 )
BHLB' s 10-Year Net-margin (%) Range
Min: -16.3   Max: 23.92
Current: 14.9

-16.3
23.92
ROE (%) 4.89
BHLB's ROE (%) is ranked higher than
62% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. BHLB: 4.89 )
BHLB' s 10-Year ROE (%) Range
Min: -4.05   Max: 9.03
Current: 4.89

-4.05
9.03
ROA (%) 0.55
BHLB's ROA (%) is ranked higher than
65% of the 2060 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BHLB: 0.55 )
BHLB' s 10-Year ROA (%) Range
Min: -0.6   Max: 0.91
Current: 0.55

-0.6
0.91
ROC (Joel Greenblatt) (%) 6.19
BHLB's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2017 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 80.18 vs. BHLB: 6.19 )
BHLB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.96   Max: 79.13
Current: 6.19

-43.96
79.13
Revenue Growth (3Y)(%) 5.80
BHLB's Revenue Growth (3Y)(%) is ranked higher than
87% of the 1724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. BHLB: 5.80 )
BHLB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.3   Max: 16.3
Current: 5.8

-7.3
16.3
EBITDA Growth (3Y)(%) 16.40
BHLB's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. BHLB: 16.40 )
BHLB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.5   Max: 44.1
Current: 16.4

-29.5
44.1
EPS Growth (3Y)(%) 18.20
BHLB's EPS Growth (3Y)(%) is ranked higher than
85% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. BHLB: 18.20 )
BHLB' s 10-Year EPS Growth (3Y)(%) 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

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
Q3 2014

BHLB Guru Trades in Q3 2014

John Keeley 70,970 sh (New)
Paul Tudor Jones 13,046 sh (+18.6%)
Columbia Wanger 171,100 sh (unchged)
Chuck Royce 334,200 sh (-27.41%)
» More
Q4 2014

BHLB Guru Trades in Q4 2014

Chuck Royce 329,200 sh (-1.5%)
Columbia Wanger 165,200 sh (-3.45%)
John Keeley 68,470 sh (-3.52%)
Paul Tudor Jones 9,008 sh (-30.95%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-09-30 New Buy0.03%$22.49 - $24.95 $ 26.4110%70970
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.90
BHLB's P/E(ttm) is ranked higher than
72% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. BHLB: 19.90 )
BHLB' s 10-Year P/E(ttm) Range
Min: 10.14   Max: 39.12
Current: 19.9

10.14
39.12
Forward P/E 11.99
BHLB's Forward P/E is ranked higher than
85% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.42 vs. BHLB: 11.99 )
N/A
PE(NRI) 20.00
BHLB's PE(NRI) is ranked higher than
72% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. BHLB: 20.00 )
BHLB' s 10-Year PE(NRI) Range
Min: 10.13   Max: 39.03
Current: 20

10.13
39.03
P/B 0.90
BHLB's P/B is ranked higher than
84% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. BHLB: 0.90 )
BHLB' s 10-Year P/B Range
Min: 0.6   Max: 1.86
Current: 0.9

0.6
1.86
P/S 2.90
BHLB's P/S is ranked higher than
79% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.63 vs. BHLB: 2.90 )
BHLB' s 10-Year P/S Range
Min: 2.05   Max: 4.79
Current: 2.9

2.05
4.79
PFCF 18.90
BHLB's PFCF is ranked higher than
79% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BHLB: 18.90 )
BHLB' s 10-Year PFCF Range
Min: 4.6   Max: 117.63
Current: 18.9

4.6
117.63
POCF 15.24
BHLB's POCF is ranked higher than
77% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.89 vs. BHLB: 15.24 )
BHLB' s 10-Year POCF Range
Min: 4.21   Max: 21.5
Current: 15.24

4.21
21.5
EV-to-EBIT 35.88
BHLB's EV-to-EBIT is ranked higher than
64% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.45 vs. BHLB: 35.88 )
BHLB' s 10-Year EV-to-EBIT Range
Min: -21.8   Max: 62.3
Current: 35.88

-21.8
62.3
Shiller P/E 30.90
BHLB's Shiller P/E is ranked higher than
80% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. BHLB: 30.90 )
BHLB' s 10-Year Shiller P/E Range
Min: 11.75   Max: 31.4
Current: 30.9

11.75
31.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.80
BHLB's Dividend Yield is ranked higher than
58% of the 1919 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. BHLB: 2.80 )
BHLB' s 10-Year Dividend Yield Range
Min: 0.92   Max: 3.87
Current: 2.8

0.92
3.87
Dividend Payout 0.54
BHLB's Dividend Payout is ranked higher than
66% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. BHLB: 0.54 )
BHLB' s 10-Year Dividend Payout Range
Min: 0.2   Max: 1.5
Current: 0.54

0.2
1.5
Dividend growth (3y) 4.00
BHLB's Dividend growth (3y) is ranked higher than
75% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 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) 3.18
BHLB's Yield on cost (5-Year) is ranked higher than
66% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. BHLB: 3.18 )
BHLB' s 10-Year Yield on cost (5-Year) Range
Min: 1.05   Max: 4.4
Current: 3.18

1.05
4.4
Share Buyback Rate -21.60
BHLB's Share Buyback Rate is ranked higher than
55% of the 1458 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 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 1.50
BHLB's Price/Tangible Book is ranked higher than
71% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.51 vs. BHLB: 1.50 )
BHLB' s 10-Year Price/Tangible Book Range
Min: 0.67   Max: 2.19
Current: 1.5

0.67
2.19
Price/DCF (Projected) 0.80
BHLB's Price/DCF (Projected) is ranked higher than
83% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.55 vs. BHLB: 0.80 )
BHLB' s 10-Year Price/DCF (Projected) Range
Min: 0.61   Max: 0.96
Current: 0.8

0.61
0.96
Price/Median PS Value 1.10
BHLB's Price/Median PS Value is ranked higher than
82% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. BHLB: 1.10 )
BHLB' s 10-Year Price/Median PS Value Range
Min: 0.82   Max: 1.77
Current: 1.1

0.82
1.77
Price/Graham Number 1.20
BHLB's Price/Graham Number is ranked higher than
72% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. BHLB: 1.20 )
BHLB' s 10-Year Price/Graham Number Range
Min: 0.72   Max: 2.73
Current: 1.2

0.72
2.73
Earnings Yield (Greenblatt) 2.80
BHLB's Earnings Yield (Greenblatt) is ranked higher than
55% of the 2041 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. BHLB: 2.80 )
BHLB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 5.7
Current: 2.8

1.6
5.7
Forward Rate of Return (Yacktman) 2.22
BHLB's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1289 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. BHLB: 2.22 )
BHLB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 41
Current: 2.22

2.5
41

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 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 has 92 full-service banking 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. It also has commercial and retail lending offices located in Eastern Massachusetts. The Company 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 Companys Wealth Management Group provides consultative investment management and trust relationships to individuals, businesses, and institutions, with an emphasis on personal investment management. The Insurance Group offers a line of personal and commercial property and casualty insurance. 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 Banks lending and investment activities. Deposit accounts are the primary product and service interaction with the Banks customers.
» 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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