Shares Outstanding Shares Outstanding n/a Close	46.31M
Shares Change (YoY) Shares Change (YoY) n/a Close	7.13%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	1.31%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	95.11%
Shares Floating Shares Floating n/a Close	n/a
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	1,256
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.23%

Short Selling Information

The latest short interest is 3.7M, so 7.99% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	3.7M
Short % of Shares Out Short % of Shares Out n/a Close	7.99%
Short % of Float Short % of Float n/a Close	10.71%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	7.37

Valuation Ratios

The PE ratio is 19.81 and the forward PE ratio is 7.61. Berkshire Hills Bancorp's PEG ratio is -1.88.

PE Ratio PE Ratio n/a Close	19.81
Forward PE Forward PE n/a Close	7.61
PS Ratio PS Ratio n/a Close	1.97
Forward PS Forward PS n/a Close	1.8
PB Ratio PB Ratio n/a Close	1.04
P/FCF Ratio P/FCF Ratio n/a Close	10.02
PEG Ratio PEG Ratio n/a Close	-1.88

Financial Ratio History

Enterprise Valuation

Berkshire Hills Bancorp has an Enterprise Value (EV) of 575.06M.

EV / Sales EV / Sales n/a Close	0.94
EV / EBITDA EV / EBITDA n/a Close	1.32
EV / EBIT EV / EBIT n/a Close	4.62
EV / FCF EV / FCF n/a Close	4.77

Financial Position

The company has a current ratio of 10.9, with a Debt / Equity ratio of 0.42.

Current Ratio Current Ratio n/a Close	10.9
Quick Ratio Quick Ratio n/a Close	10.9
Debt / Equity Debt / Equity n/a Close	0.42
Debt / EBITDA Debt / EBITDA n/a Close	1.14
Debt / FCF Debt / FCF n/a Close	4.1
Interest Coverage Interest Coverage n/a Close	1.65

Financial Efficiency

Return on Equity is 5.23% and Return on Invested Capital is 25.83%.

Return on Equity Return on Equity n/a Close	5.23%
Return on Assets Return on Assets n/a Close	0.5%
Return on Invested Capital Return on Invested Capital n/a Close	25.83%
Revenue Per Employee Revenue Per Employee n/a Close	$517,654.3
Profits Per Employee Profits Per Employee n/a Close	$51,435.92
Employee Count Employee Count n/a Close	1,186
Asset Turnover Asset Turnover n/a Close	0.05
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	18.51M
Effective Tax Rate Effective Tax Rate n/a Close	23.28%

Stock Price Statistics

The stock price has increased by 13.51% in the last 52 weeks. The beta is 0.62, so Berkshire Hills Bancorp's price volatility has been higher than the market average.

Beta Beta n/a Close	0.62
52-Week Price Change 52-Week Price Change n/a Close	13.51%
50-Day Moving Average 50-Day Moving Average n/a Close	25.01
200-Day Moving Average 200-Day Moving Average n/a Close	27.36
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	43.04
Average Volume (20 Days) Average Volume (20 Days) n/a Close	552,825

Income Statement

In the last 12 months, Berkshire Hills Bancorp had revenue of 613.94M and earned 61M in profits. Earnings per share was 1.44.

Revenue Revenue n/a Close	613.94M
Gross Profit Gross Profit n/a Close	438.58M
Operating Income Operating Income n/a Close	434.06M
Net Income Net Income n/a Close	61M
EBITDA EBITDA n/a Close	434.06M
EBIT EBIT n/a Close	341.87M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	1.44

Full Income Statement

Balance Sheet

The company has 1.13B in cash and 494.97M in debt, giving a net cash position of 633.44M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	1.13B
Total Debt Total Debt n/a Close	494.97M
Net Cash Net Cash n/a Close	633.44M
Retained Earnings Retained Earnings n/a Close	n/a
Total Assets Total Assets n/a Close	12.01B
Working Capital Working Capital n/a Close	826.34M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 124.4M and capital expenditures 0, giving a free cash flow of 120.64M.

Operating Cash Flow Operating Cash Flow n/a Close	124.4M
Capital Expenditures Capital Expenditures n/a Close	n/a
Free Cash Flow Free Cash Flow n/a Close	120.64M
FCF Per Share FCF Per Share n/a Close	2.84

Full Cash Flow Statement

Margins

Gross margin is 71.44%, with operating and profit margins of 70.7% and 9.94%.

Gross Margin Gross Margin n/a Close	71.44%
Operating Margin Operating Margin n/a Close	70.7%
Pretax Margin Pretax Margin n/a Close	12.95%
Profit Margin Profit Margin n/a Close	9.94%
EBITDA Margin EBITDA Margin n/a Close	70.7%
EBIT Margin EBIT Margin n/a Close	70.7%
FCF Margin FCF Margin n/a Close	19.65%

Dividends & Yields

BHLB pays an annual dividend of $0.9, which amounts to a dividend yield of 2.69%.

Dividend Per Share Dividend Per Share n/a Close	$0.90
Dividend Yield Dividend Yield n/a Close	2.69%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	36.59%
Earnings Yield Earnings Yield n/a Close	5.05%
FCF Yield FCF Yield n/a Close	9.98%

Dividend Details

Analyst Forecast

The average price target for BHLB is $32.75, which is 33.5% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$32.75
Price Target Difference Price Target Difference n/a Close	33.5%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	4

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	n/a
Lynch Upside Lynch Upside n/a Close	n/a
Graham Number Graham Number n/a Close	29.78
Graham Upside Graham Upside n/a Close	21.35%

Scores

Altman Z-Score Altman Z-Score n/a Close	0.22
Piotroski F-Score Piotroski F-Score n/a Close	6