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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 0.06
BHLB's Cash to Debt is ranked lower than
95% of the 980 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.53 vs. BHLB: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
BHLB' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.10 Max: N/A
Current: 0.06
Equity to Asset 0.11
BHLB's Equity to Asset is ranked higher than
62% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BHLB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
BHLB' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.13 Max: 0.16
Current: 0.11
0.09
0.16
Interest Coverage 1.61
BHLB's Interest Coverage is ranked higher than
50% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. BHLB: 1.61 )
Ranked among companies with meaningful Interest Coverage only.
BHLB' s 10-Year Interest Coverage Range
Min: 0.06  Med: 0.47 Max: 1.66
Current: 1.61
0.06
1.66
F-Score: 3
WACC vs ROIC
4.21%
2.62%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 23.65
BHLB's Operating margin (%) is ranked lower than
65% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.01 vs. BHLB: 23.65 )
Ranked among companies with meaningful Operating margin (%) only.
BHLB' s 10-Year Operating margin (%) Range
Min: -28.11  Med: 21.39 Max: 36.53
Current: 23.65
-28.11
36.53
Net-margin (%) 18.37
BHLB's Net-margin (%) is ranked lower than
61% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.75 vs. BHLB: 18.37 )
Ranked among companies with meaningful Net-margin (%) only.
BHLB' s 10-Year Net-margin (%) Range
Min: -16.3  Med: 15.43 Max: 23.92
Current: 18.37
-16.3
23.92
ROE (%) 6.25
BHLB's ROE (%) is ranked lower than
64% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. BHLB: 6.25 )
Ranked among companies with meaningful ROE (%) only.
BHLB' s 10-Year ROE (%) Range
Min: -5.06  Med: 4.63 Max: 9.03
Current: 6.25
-5.06
9.03
ROA (%) 0.69
BHLB's ROA (%) is ranked lower than
60% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. BHLB: 0.69 )
Ranked among companies with meaningful ROA (%) only.
BHLB' s 10-Year ROA (%) Range
Min: -0.6  Med: 0.55 Max: 0.91
Current: 0.69
-0.6
0.91
Revenue Growth (3Y)(%) 4.70
BHLB's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1186 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. BHLB: 4.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BHLB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.3  Med: 3.90 Max: 16.3
Current: 4.7
-7.3
16.3
EBITDA Growth (3Y)(%) 23.30
BHLB's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1046 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. BHLB: 23.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BHLB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -29.5  Med: 8.10 Max: 44.1
Current: 23.3
-29.5
44.1
EPS Growth (3Y)(%) 13.90
BHLB's EPS Growth (3Y)(%) is ranked higher than
61% of the 1055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. BHLB: 13.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BHLB' s 10-Year EPS Growth (3Y)(%) Range
Min: -33.7  Med: 13.90 Max: 54.2
Current: 13.9
-33.7
54.2
» BHLB's 10-Y Financials

Financials


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

» Details

Guru Trades

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 (+18.60%)
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 (-1.50%)
Columbia Wanger 165,200 sh (-3.45%)
John Keeley 68,470 sh (-3.52%)
Paul Tudor Jones 9,008 sh (-30.95%)
» More
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
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.97
BHLB's P/E(ttm) is ranked lower than
63% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. BHLB: 16.97 )
Ranked among companies with meaningful P/E(ttm) only.
BHLB' s 10-Year P/E(ttm) Range
Min: 10.14  Med: 18.71 Max: 39.12
Current: 16.97
10.14
39.12
Forward P/E 13.46
BHLB's Forward P/E is ranked lower than
63% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.18 vs. BHLB: 13.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.60
BHLB's PE(NRI) is ranked lower than
63% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. BHLB: 16.60 )
Ranked among companies with meaningful PE(NRI) only.
BHLB' s 10-Year PE(NRI) Range
Min: 10.13  Med: 18.59 Max: 39.03
Current: 16.6
10.13
39.03
P/B 1.05
BHLB's P/B is ranked higher than
56% of the 1359 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. BHLB: 1.05 )
Ranked among companies with meaningful P/B only.
BHLB' s 10-Year P/B Range
Min: 0.6  Med: 0.89 Max: 1.79
Current: 1.05
0.6
1.79
P/S 3.11
BHLB's P/S is ranked lower than
52% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. BHLB: 3.11 )
Ranked among companies with meaningful P/S only.
BHLB' s 10-Year P/S Range
Min: 2.05  Med: 2.82 Max: 4.79
Current: 3.11
2.05
4.79
PFCF 19.07
BHLB's PFCF is ranked lower than
73% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.28 vs. BHLB: 19.07 )
Ranked among companies with meaningful PFCF only.
BHLB' s 10-Year PFCF Range
Min: 4.6  Med: 14.39 Max: 113.63
Current: 19.07
4.6
113.63
POCF 17.29
BHLB's POCF is ranked lower than
77% of the 923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. BHLB: 17.29 )
Ranked among companies with meaningful POCF only.
BHLB' s 10-Year POCF Range
Min: 4.21  Med: 10.70 Max: 21.5
Current: 17.29
4.21
21.5
EV-to-EBIT 33.07
BHLB's EV-to-EBIT is ranked lower than
86% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.91 vs. BHLB: 33.07 )
Ranked among companies with meaningful EV-to-EBIT only.
BHLB' s 10-Year EV-to-EBIT Range
Min: -21.8  Med: 29.70 Max: 62.3
Current: 33.07
-21.8
62.3
Shiller P/E 34.49
BHLB's Shiller P/E is ranked lower than
85% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.77 vs. BHLB: 34.49 )
Ranked among companies with meaningful Shiller P/E only.
BHLB' s 10-Year Shiller P/E Range
Min: 11.75  Med: 23.99 Max: 34.21
Current: 34.49
11.75
34.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
BHLB's Dividend Yield is ranked lower than
51% of the 2216 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. BHLB: 2.50 )
Ranked among companies with meaningful Dividend Yield only.
BHLB' s 10-Year Dividend Yield Range
Min: 0.92  Med: 2.74 Max: 3.87
Current: 2.5
0.92
3.87
Dividend Payout 0.42
BHLB's Dividend Payout is ranked lower than
64% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. BHLB: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
BHLB' s 10-Year Dividend Payout Range
Min: 0.2  Med: 0.38 Max: 1.5
Current: 0.42
0.2
1.5
Dividend growth (3y) 3.50
BHLB's Dividend growth (3y) is ranked lower than
63% of the 664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. BHLB: 3.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
BHLB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 3.70 Max: 53.3
Current: 3.5
0
53.3
Yield on cost (5-Year) 2.92
BHLB's Yield on cost (5-Year) is ranked lower than
52% of the 2229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. BHLB: 2.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BHLB' s 10-Year Yield on cost (5-Year) Range
Min: 1.06  Med: 3.16 Max: 4.46
Current: 2.92
1.06
4.46
Share Buyback Rate -11.50
BHLB's Share Buyback Rate is ranked lower than
79% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. BHLB: -11.50 )
Ranked among companies with meaningful Share Buyback Rate only.
BHLB' s 10-Year Share Buyback Rate Range
Min: 4.6  Med: -14.00 Max: -21.6
Current: -11.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
BHLB's Price/Tangible Book is ranked lower than
74% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. BHLB: 1.68 )
Ranked among companies with meaningful Price/Tangible Book only.
BHLB' s 10-Year Price/Tangible Book Range
Min: 0.67  Med: 1.54 Max: 2.19
Current: 1.68
0.67
2.19
Price/Projected FCF 0.77
BHLB's Price/Projected FCF is ranked lower than
57% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. BHLB: 0.77 )
Ranked among companies with meaningful Price/Projected FCF only.
BHLB' s 10-Year Price/Projected FCF Range
Min: 0.59  Med: 0.74 Max: 0.95
Current: 0.77
0.59
0.95
Price/Median PS Value 1.09
BHLB's Price/Median PS Value is ranked higher than
52% of the 1195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. BHLB: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
BHLB' s 10-Year Price/Median PS Value Range
Min: 0.82  Med: 1.03 Max: 3.21
Current: 1.09
0.82
3.21
Price/Graham Number 1.13
BHLB's Price/Graham Number is ranked lower than
71% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. BHLB: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
BHLB' s 10-Year Price/Graham Number Range
Min: 0.72  Med: 1.20 Max: 2.73
Current: 1.13
0.72
2.73
Earnings Yield (Greenblatt) (%) 2.97
BHLB's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. BHLB: 2.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BHLB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.6  Med: 3.30 Max: 5.7
Current: 2.97
1.6
5.7
Forward Rate of Return (Yacktman) (%) 1.74
BHLB's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 764 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.55 vs. BHLB: 1.74 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BHLB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 2.5  Med: 6.30 Max: 29.8
Current: 1.74
2.5
29.8

Analyst Estimate

Dec15 Dec16
EPS($) 2.07 2.18
EPS without NRI($) 2.07 2.18

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 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.
» More Articles for BHLB

Headlines

Articles On GuruFocus.com
Berkshire Bancorp Inc. acquires Firestone Financial May 26 2015 
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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