Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.06
BHLB's Cash to Debt is ranked lower than
96% of the 1162 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. BHLB: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
BHLB' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.11 Max: 0.4
Current: 0.06
0.05
0.4
Equity to Asset 0.12
BHLB's Equity to Asset is ranked higher than
70% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BHLB: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
BHLB' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.16
Current: 0.12
0.1
0.16
Interest Coverage 1.85
BHLB's Interest Coverage is ranked higher than
53% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. BHLB: 1.85 )
Ranked among companies with meaningful Interest Coverage only.
BHLB' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 0.58 Max: 1.66
Current: 1.85
0.27
1.66
F-Score: 5
M-Score: -2.35
WACC vs ROIC
4.35%
2.92%
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 (%) 23.90
BHLB's Operating margin (%) is ranked lower than
69% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.23 vs. BHLB: 23.90 )
Ranked among companies with meaningful Operating margin (%) only.
BHLB' s Operating margin (%) Range Over the Past 10 Years
Min: -28.11  Med: 20.78 Max: 28.93
Current: 23.9
-28.11
28.93
Net-margin (%) 20.03
BHLB's Net-margin (%) is ranked lower than
60% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.64 vs. BHLB: 20.03 )
Ranked among companies with meaningful Net-margin (%) only.
BHLB' s Net-margin (%) Range Over the Past 10 Years
Min: -16.3  Med: 15.43 Max: 20.72
Current: 20.03
-16.3
20.72
ROE (%) 6.73
BHLB's ROE (%) is ranked lower than
63% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.42 vs. BHLB: 6.73 )
Ranked among companies with meaningful ROE (%) only.
BHLB' s ROE (%) Range Over the Past 10 Years
Min: -5.06  Med: 4.75 Max: 6.2
Current: 6.73
-5.06
6.2
ROA (%) 0.76
BHLB's ROA (%) is ranked lower than
59% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. BHLB: 0.76 )
Ranked among companies with meaningful ROA (%) only.
BHLB' s ROA (%) Range Over the Past 10 Years
Min: -0.6  Med: 0.57 Max: 0.86
Current: 0.76
-0.6
0.86
Revenue Growth (3Y)(%) 2.00
BHLB's Revenue Growth (3Y)(%) is ranked lower than
55% of the 1369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. BHLB: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BHLB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.3  Med: 3.50 Max: 16.3
Current: 2
-7.3
16.3
EBITDA Growth (3Y)(%) -3.70
BHLB's EBITDA Growth (3Y)(%) is ranked lower than
77% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. BHLB: -3.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BHLB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.8  Med: 2.20 Max: 43.9
Current: -3.7
-29.8
43.9
EPS Growth (3Y)(%) 4.50
BHLB's EPS Growth (3Y)(%) is ranked lower than
60% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. BHLB: 4.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BHLB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.7  Med: 9.20 Max: 54.2
Current: 4.5
-33.7
54.2
» BHLB's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

Q1 2015

BHLB Guru Trades in Q1 2015

Jim Simons 20,200 sh (New)
Paul Tudor Jones 9,008 sh (unchged)
John Keeley 66,990 sh (-2.16%)
Columbia Wanger 147,700 sh (-10.59%)
Chuck Royce 257,200 sh (-21.87%)
» More
Q2 2015

BHLB Guru Trades in Q2 2015

Jim Simons 51,300 sh (+153.96%)
John Keeley 73,660 sh (+9.96%)
Paul Tudor Jones 9,808 sh (+8.88%)
Chuck Royce 225,200 sh (-12.44%)
Columbia Wanger 5,700 sh (-96.14%)
» More
Q3 2015

BHLB Guru Trades in Q3 2015

Jim Simons 202,481 sh (+294.70%)
John Keeley 83,885 sh (+13.88%)
Columbia Wanger Sold Out
Paul Tudor Jones 8,608 sh (-12.23%)
Chuck Royce 94,200 sh (-58.17%)
» More
Q4 2015

BHLB Guru Trades in Q4 2015

Jeremy Grantham 9,200 sh (New)
Jim Simons 231,861 sh (+14.51%)
Chuck Royce Sold Out
Paul Tudor Jones 8,208 sh (-4.65%)
John Keeley 73,685 sh (-12.16%)
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.13
BHLB's P/E(ttm) is ranked lower than
59% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. BHLB: 14.13 )
Ranked among companies with meaningful P/E(ttm) only.
BHLB' s P/E(ttm) Range Over the Past 10 Years
Min: 10.14  Med: 18.30 Max: 39.12
Current: 14.13
10.14
39.12
Forward P/E 11.96
BHLB's Forward P/E is ranked lower than
53% of the 368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. BHLB: 11.96 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.13
BHLB's PE(NRI) is ranked lower than
59% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. BHLB: 14.13 )
Ranked among companies with meaningful PE(NRI) only.
BHLB' s PE(NRI) Range Over the Past 10 Years
Min: 10.13  Med: 18.29 Max: 39.03
Current: 14.13
10.13
39.03
Price/Owner Earnings (ttm) 12.15
BHLB's Price/Owner Earnings (ttm) is ranked higher than
50% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. BHLB: 12.15 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BHLB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.76  Med: 14.48 Max: 61.28
Current: 12.15
3.76
61.28
P/B 0.92
BHLB's P/B is ranked higher than
60% of the 1642 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. BHLB: 0.92 )
Ranked among companies with meaningful P/B only.
BHLB' s P/B Range Over the Past 10 Years
Min: 0.6  Med: 0.89 Max: 1.31
Current: 0.92
0.6
1.31
P/S 2.80
BHLB's P/S is ranked higher than
53% of the 1637 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. BHLB: 2.80 )
Ranked among companies with meaningful P/S only.
BHLB' s P/S Range Over the Past 10 Years
Min: 2.01  Med: 2.76 Max: 4.57
Current: 2.8
2.01
4.57
PFCF 9.64
BHLB's PFCF is ranked higher than
56% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. BHLB: 9.64 )
Ranked among companies with meaningful PFCF only.
BHLB' s PFCF Range Over the Past 10 Years
Min: 5  Med: 15.18 Max: 102.14
Current: 9.64
5
102.14
POCF 9.03
BHLB's POCF is ranked higher than
50% of the 975 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. BHLB: 9.03 )
Ranked among companies with meaningful POCF only.
BHLB' s POCF Range Over the Past 10 Years
Min: 4.11  Med: 10.08 Max: 21.97
Current: 9.03
4.11
21.97
EV-to-EBIT 36.44
BHLB's EV-to-EBIT is ranked lower than
88% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.40 vs. BHLB: 36.44 )
Ranked among companies with meaningful EV-to-EBIT only.
BHLB' s EV-to-EBIT Range Over the Past 10 Years
Min: -21.8  Med: 30.00 Max: 62.3
Current: 36.44
-21.8
62.3
EV-to-EBITDA 29.83
BHLB's EV-to-EBITDA is ranked lower than
87% of the 1507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.24 vs. BHLB: 29.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
BHLB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -30.3  Med: 23.50 Max: 46.9
Current: 29.83
-30.3
46.9
PEG 1.43
BHLB's PEG is ranked lower than
61% of the 724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. BHLB: 1.43 )
Ranked among companies with meaningful PEG only.
BHLB' s PEG Range Over the Past 10 Years
Min: 0.97  Med: 1.84 Max: 11.43
Current: 1.43
0.97
11.43
Shiller P/E 21.71
BHLB's Shiller P/E is ranked lower than
67% of the 504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.22 vs. BHLB: 21.71 )
Ranked among companies with meaningful Shiller P/E only.
BHLB' s Shiller P/E Range Over the Past 10 Years
Min: 14.34  Med: 19.65 Max: 24.85
Current: 21.71
14.34
24.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.91
BHLB's Dividend Yield is ranked lower than
52% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. BHLB: 2.91 )
Ranked among companies with meaningful Dividend Yield only.
BHLB' s Dividend Yield Range Over the Past 10 Years
Min: 1.38  Med: 2.76 Max: 3.87
Current: 2.91
1.38
3.87
Dividend Payout 0.44
BHLB's Dividend Payout is ranked lower than
66% of the 1273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. BHLB: 0.44 )
Ranked among companies with meaningful Dividend Payout only.
BHLB' s Dividend Payout Range Over the Past 10 Years
Min: 0.14  Med: 0.44 Max: 1.6
Current: 0.44
0.14
1.6
Dividend Growth (3y) 3.30
BHLB's Dividend Growth (3y) is ranked lower than
67% of the 742 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.80 vs. BHLB: 3.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
BHLB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.60 Max: 53.3
Current: 3.3
0
53.3
Forward Dividend Yield 2.95
BHLB's Forward Dividend Yield is ranked lower than
54% of the 1965 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.74 vs. BHLB: 2.95 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.46
BHLB's Yield on cost (5-Year) is ranked lower than
51% of the 2495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. BHLB: 3.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BHLB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.64  Med: 3.28 Max: 4.6
Current: 3.46
1.64
4.6
3-Year Average Share Buyback Ratio -8.60
BHLB's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 1112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. BHLB: -8.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BHLB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -21.6  Med: -13.45 Max: 4.6
Current: -8.6
-21.6
4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.45
BHLB's Price/Tangible Book is ranked lower than
69% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. BHLB: 1.45 )
Ranked among companies with meaningful Price/Tangible Book only.
BHLB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.78  Med: 1.59 Max: 2.17
Current: 1.45
0.78
2.17
Price/Projected FCF 0.59
BHLB's Price/Projected FCF is ranked higher than
58% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. BHLB: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
BHLB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.63  Med: 0.71 Max: 0.89
Current: 0.59
0.63
0.89
Price/Median PS Value 1.01
BHLB's Price/Median PS Value is ranked lower than
52% of the 1548 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. BHLB: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
BHLB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.93  Med: 1.08 Max: 1.6
Current: 1.01
0.93
1.6
Price/Peter Lynch Fair Value 1.20
BHLB's Price/Peter Lynch Fair Value is ranked lower than
68% of the 438 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. BHLB: 1.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BHLB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.22  Med: 1.63 Max: 2.38
Current: 1.2
1.22
2.38
Price/Graham Number 0.95
BHLB's Price/Graham Number is ranked lower than
67% of the 1461 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. BHLB: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
BHLB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.82  Med: 1.18 Max: 2.13
Current: 0.95
0.82
2.13
Earnings Yield (Greenblatt) (%) 2.72
BHLB's Earnings Yield (Greenblatt) (%) is ranked lower than
80% of the 1644 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. BHLB: 2.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BHLB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 3.20 Max: 5.7
Current: 2.72
1.6
5.7
Forward Rate of Return (Yacktman) (%) 21.89
BHLB's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 843 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.13 vs. BHLB: 21.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BHLB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.6  Med: 6.70 Max: 34.8
Current: 21.89
1.6
34.8

More Statistics

Revenue(Mil) $283
EPS $ 1.88
Beta0.70
Short Percentage of Float1.99%
52-Week Range $24.71 - 30.69
Shares Outstanding(Mil)31.08

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.19 2.27
EPS without NRI($) 2.19 2.27

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:NYCB, NAS:PBCT, NAS:ISBC, NAS:WAFD, NAS:CFFN, NYSE:AF » details
Berkshire Hills Bancorp Inc is a Delaware corporation and the holding company for the Berkshire Bank and Berkshire Insurance Group established in the year 1846. 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 91 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 Company's 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.

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK