Berkshire Hills Bancorp Inc. (BHLB)
Berkshire Hills Bancorp Statistics
Share Statistics
Berkshire Hills Bancorp has 46.38M shares outstanding. The number of shares has increased by 7.13% in one year.
| Shares Outstanding | 46.38M |
| Shares Change (YoY) | 7.13% |
| Shares Change (QoQ) | 1.31% |
| Owned by Institutions (%) | 95.11% |
| Shares Floating | 45.76M |
| Failed to Deliver (FTD) Shares | 651 |
| FTD / Avg. Volume | 0.14% |
Short Selling Information
The latest short interest is 1.81M, so 3.95% of the outstanding shares have been sold short.
| Short Interest | 1.81M |
| Short % of Shares Out | 3.95% |
| Short % of Float | 4% |
| Short Ratio (days to cover) | 2.99 |
Valuation Ratios
The PE ratio is 19.81 and the forward PE ratio is 11.64. Berkshire Hills Bancorp's PEG ratio is -1.88.
| PE Ratio | 19.81 |
| Forward PE | 11.64 |
| PS Ratio | 1.97 |
| Forward PS | 1.9 |
| PB Ratio | 1.04 |
| P/FCF Ratio | 10.02 |
| PEG Ratio | -1.88 |
Enterprise Valuation
Berkshire Hills Bancorp has an Enterprise Value (EV) of 1.13B.
| EV / Sales | 1.84 |
| EV / EBITDA | 2.6 |
| EV / EBIT | 9.02 |
| EV / FCF | 9.36 |
Financial Position
The company has a current ratio of 10.03, with a Debt / Equity ratio of 0.09.
| Current Ratio | 10.03 |
| Quick Ratio | 10.03 |
| Debt / Equity | 0.09 |
| Debt / EBITDA | 0.24 |
| Debt / FCF | 0.86 |
| Interest Coverage | 1.65 |
Financial Efficiency
Return on Equity is 5.23% and Return on Invested Capital is 27.96%.
| Return on Equity | 5.23% |
| Return on Assets | 0.5% |
| Return on Invested Capital | 27.96% |
| Revenue Per Employee | $514.62K |
| Profits Per Employee | $51.13K |
| Employee Count | 1,193 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 18.51M |
| Effective Tax Rate | 23.28% |
Stock Price Statistics
The stock price has increased by 20.5% in the last 52 weeks. The beta is 0.85, so Berkshire Hills Bancorp's price volatility has been higher than the market average.
| Beta | 0.85 |
| 52-Week Price Change | 20.5% |
| 50-Day Moving Average | 27.82 |
| 200-Day Moving Average | 27.31 |
| Relative Strength Index (RSI) | 40.69 |
| Average Volume (20 Days) | 474.04K |
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 | 613.94M |
| Gross Profit | 438.58M |
| Operating Income | 434.06M |
| Net Income | 61M |
| EBITDA | 434.06M |
| EBIT | 341.87M |
| Earnings Per Share (EPS) | 1.44 |
Balance Sheet
The company has 182.78M in cash and 103.5M in debt, giving a net cash position of 79.28M.
| Cash & Cash Equivalents | 182.78M |
| Total Debt | 103.5M |
| Net Cash | 79.28M |
| Retained Earnings | 0 |
| Total Assets | 12.27B |
| Working Capital | 1.77B |
Cash Flow
In the last 12 months, operating cash flow was 125.21M and capital expenditures 0, giving a free cash flow of 120.64M.
| Operating Cash Flow | 125.21M |
| Capital Expenditures | 0 |
| Free Cash Flow | 120.64M |
| FCF Per Share | 2.84 |
Margins
Gross margin is 71.44%, with operating and profit margins of 70.7% and 9.94%.
| Gross Margin | 71.44% |
| Operating Margin | 70.7% |
| Pretax Margin | 12.95% |
| Profit Margin | 9.94% |
| EBITDA Margin | 70.7% |
| EBIT Margin | 70.7% |
| FCF Margin | 19.65% |
Dividends & Yields
BHLB pays an annual dividend of $0.9, which amounts to a dividend yield of 2.52%.
| Dividend Per Share | $0.90 |
| Dividend Yield | 2.52% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 62.94% |
| Earnings Yield | 5.05% |
| FCF Yield | 9.98% |
Analyst Forecast
The average price target for BHLB is $32.75, which is 24.6% higher than the current price. The consensus rating is "Hold".
| Price Target | $32.75 |
| Price Target Difference | 24.6% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
Scores
| Altman Z-Score | 0.31 |
| Piotroski F-Score | 6 |