Berkshire Hills Bancorp, Inc. logo BHLB - Berkshire Hills Bancorp, Inc.

Inactive Ticker BHLB is not actively trading. Quotes and analytics may be stale.
Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 4
HOLD 10
SELL 1
STRONG
SELL
0
| PRICE TARGET: $23.50 DETAILS
HIGH: $24.00
LOW: $23.00
MEDIAN: $23.50
CONSENSUS: $23.50
DOWNSIDE: 10.07%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Revenue
Revenue 832.8 646.1 619.1 456.2 419.4 474.8 592.2 539.8 429.0 345.2 301.3 254.8 262.0 230.0 174.1 142.0 144.5 164.8 156.6 130.1 102.7 68.8 70.0 77.5 84.2 75.8 62.8
Cost of Revenue 0 286.4 239.3 53.7 37.4 168.9 179.7 135.1 85.1 65.5 49.9 43.3 46.4 42.1 39.3 43.9 93.6 62.1 72.3 65.7 37.4 22.3 20.2 29.6 40.7 36.6 30.0
Gross Profit 0 359.8 379.8 402.5 381.5 306.0 413.8 404.6 343.9 279.7 251.4 211.5 215.6 187.9 134.8 98.2 50.9 102.8 84.3 64.4 65.2 46.6 49.8 47.9 43.4 39.1 32.8
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 6.0 172.4 171.7 160.9 157.1 157.4 175.8 171.6 157.4 132.7 122.2 103.4 90.1 79.0 61.7 56.9 52.9 46.0 34.0 24.7 20.3 17.9 21.9 29.1 18.2 14.2 14.4
Other Expenses 826.8 107.9 129.8 127.8 75.9 681.6 112.7 94.8 95.2 69.5 74.6 62.6 67.2 61.9 54.7 24.8 25.7 25.7 31.5 24.2 28.7 11.1 13.9 16.7 12.0 18.0 10.8
Operating Expenses 832.8 280.2 301.5 288.7 233.0 839.0 288.5 266.4 252.7 202.2 196.8 166.0 157.4 140.8 116.4 81.7 78.6 71.7 65.5 48.9 49.0 29.0 35.8 45.8 30.2 32.2 25.2
Operating Income
Operating Income 0 79.5 78.3 113.8 149.0 (533.0) 124.0 138.2 91.2 77.5 54.6 45.5 58.2 47.0 18.3 16.4 (27.7) 31.1 18.8 15.6 16.2 17.6 14.0 2.1 13.3 6.9 7.6
Interest Expense 329.7 262.4 207.3 42.7 37.9 93 144.3 109.7 64.1 48.2 33.2 28.4 35.0 32.6 31.7 35.3 45.9 57.5 68.0 57.8 36.1 20.7 18.7 23.4 33.6 33.5 26.9
Interest Income 0 613.9 576.3 387.3 329.1 409.8 509.5 465.9 355.1 280.4 247.0 207.0 203.7 175.9 138.3 112.3 115.5 133.2 131.9 118.1 87.7 61.1 56.3 64.1 75.8 71.0 58.5
Profitability
EBITDA 1.4 91.1 91.6 128.5 165.3 (514.9) 140.7 153.6 104.2 88.8 66.7 58.6 70.6 58.4 27.6 23.3 (20.6) 38.7 25.2 20.4 21.3 21.4 18.1 6.3 16.4 9.4 10.4
EBIT 0 79.5 78.3 113.8 149.0 (533.0) 124.0 138.2 91.2 77.5 54.6 45.5 58.2 47.0 18.3 16.4 (27.7) 31.1 18.8 15.6 16.2 17.6 14.0 2.1 13.3 6.9 7.6
Income Before Tax 121.9 79.5 78.3 113.8 149.0 (533.0) 124.0 138.2 91.2 77.5 54.6 45.5 58.2 47.0 18.3 16.4 (27.7) 31.1 18.8 15.6 16.2 17.6 14.0 2.1 13.3 6.9 7.6
Income Tax Expense 31.6 18.5 8.7 21.3 30.4 (19.9) 22.5 29.0 42.1 18.8 5.1 11.8 17.1 13.2 1.9 2.6 (11.6) 8.8 5.2 4.7 8.0 5.6 5.1 0.4 4.3 2.4 2.0
Net Income 90.3 61.0 69.6 92.5 118.7 (533.0) 97.5 105.8 55.2 58.7 49.5 33.7 41.1 33.2 17.3 13.9 (16.1) 22.2 13.5 11.3 8.2 11.5 9.0 1.8 8.9 4.6 5.6
Per Share Data
EPS (Basic) 1.03 1.44 1.61 2.03 2.41 -10.60 1.98 2.30 1.40 1.89 1.74 1.36 1.66 1.49 0.98 0.99 -1.52 2.08 1.47 1.32 1.16 2.18 1.70 0.33 1.42 0.70 1.03
EPS (Diluted) 1.03 1.43 1.60 2.02 2.39 -10.60 1.97 2.29 1.39 1.88 1.73 1.36 1.65 1.49 0.98 0.99 -1.52 2.06 1.44 1.29 1.10 2.01 1.57 0.30 1.35 0.70 1.03
Shares Outstanding 87.4 42.5 43.3 45.6 49.2 50.3 49.3 46.0 39.5 31.0 28.4 24.7 24.8 22.2 17.9 13.9 13.2 10.7 9.2 8.5 7.1 5.3 5.3 5.4 6.3 6.5 6.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999
Current Assets
Cash & Cash Equivalents 201.6 1,128.4 1,203.2 685.4 1,627.8 1,557.9 579.8 183.2 248.8 113.1 32.6 25.8 15.2 15.6 17.3 22.7 26.9 23.3
Short-Term Investments 1,840.2 559.5 1,022.3 1,423.2 1,877.6 1,695.2 1,311.6 1,399.6 1,380.9 1,209.5 6.8 19.0 0 0 0 0 0 0
Net Receivables 0 86.0 86.7 81.3 64.1 87.7 60.2 60.8 66.8 45.2 0 0 5.5 5.1 5.1 5.9 6.3 4.9
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 2,041.7 1,773.9 2,312.2 2,189.8 3,569.5 3,340.8 1,951.6 1,643.6 1,696.5 1,367.8 39.4 44.8 20.7 20.7 22.4 28.5 33.2 28.2
Non-Current Assets
Property, Plant & Equipment 336.6 106.8 116.3 131.6 146.6 172.7 196.7 106.5 109.4 93.2 37.4 37.4 14.8 12.6 13.3 14.2 12.4 11.5
Goodwill 351.6 0 0 0 0 0 553.8 518.3 519.3 403.1 161.7 161.2 6.8 0 0 0 0 0
Intangible Assets 189.6 26.9 31.8 37.5 45.6 51.2 72.1 56.8 54.7 31.0 14.4 17.7 0.8 5.1 5.1 5.9 6.3 4.9
Long-Term Investments 0 9,968.3 9,566.1 8,897.1 7,461.8 8,932.8 10,085.6 9,544.2 8,864.1 6,982.4 2,312.4 2,290.0 1,217.9 1,129.4 973.5 951.1 931.7 777.0
Other Non-Current Assets 0 300.1 294.4 288.5 278.7 294.2 305.1 300.3 279.8 243.9 135.1 115.6 49.5 45.6 26.5 26.2 27.8 18.1
Total Non-Current Assets 1,028.3 10,499.5 10,118.6 9,473.1 7,985.4 9,497.2 11,264.3 10,568.6 9,874.2 7,794.7 2,661.0 2,621.9 1,290.8 1,197.9 1,023.2 1,002.2 978.1 813.4
Total Assets 23,220.4 12,273.4 12,430.8 11,662.9 11,554.9 12,838.0 13,216.0 12,212.2 11,570.8 9,162.5 2,700.4 2,666.7 1,310.1 1,218.5 1,045.6 1,030.7 1,011.3 841.7
Current Liabilities
Account Payables 0 9.0 13.8 1.6 0.8 3.9 11.6 11.8 6.8 4.4 0 0 0 0 0 0 0 0
Short-Term Debt 0 103.5 260 0 0 40 125 1,118.8 667.3 1,082.0 83.9 23.2 0 125 133.0 63.4 51.0 27.5
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 10,375.2 10,633.4 10,327.3 10,069.0 10,215.8 10,336.0 8,982.4 8,749.5 6,622.1 1,986.8 1,829.6 845.8 830.2 782.4 742.7 729.6 680.0
Total Current Liabilities 0 10,487.7 10,907.1 10,328.9 10,069.7 10,259.7 10,472.6 10,118.7 9,494.3 7,737.7 2,070.6 1,852.8 845.8 955.2 916.1 806.1 780.6 707.5
Non-Current Liabilities
Long-Term Debt 0 334.6 246.6 125.5 110.8 531.6 702.5 399.0 469.8 232.0 222.8 351.4 327.9 126.5 1.2 72.5 60.1 32.6
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 226.8 203.2 191.4 126.4 784.7 190.6 124.9 99.1 88.0 22.4 54.1 4.7 11.4 5.7 9.7 9.3 13.3
Total Non-Current Liabilities 0 618.3 511.4 379.9 302.8 1,390.6 984.8 540.6 580.2 331.6 245.2 405.5 332.6 137.9 6.9 82.2 69.4 45.8
Total Liabilities 20,724.3 11,106.0 11,418.6 10,708.8 10,372.5 11,650.2 11,457.4 10,659.3 10,074.5 8,069.2 2,315.8 2,258.3 1,178.4 1,093.1 922.9 888.3 850.0 753.3
Stockholders' Equity
Common Stock 0.9 0.6 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.4 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0
Retained Earnings 485.9 (3.1) (33.1) (71.4) (139.4) (233.3) 361.1 308.8 239.2 217.5 99.0 127.8 95.0 86.3 79.7 80.7 74.6 70.7
Accumulated Other Comprehensive Income (20.0) (106.3) (143.0) (181.1) (3.2) 30.9 12.0 (13.5) 4.2 9.8 (4.3) (11.6) (3.2) (2.9) (4.0) 7.7 12.6 17.7
Total Stockholders' Equity 2,496.1 1,167.4 1,012.2 954.1 1,182.4 1,187.8 1,758.6 1,552.9 1,496.3 1,093.3 384.6 408.4 131.7 123.2 120.2 139.3 161.3 88.4
Total Liabilities & Equity 23,220.4 12,273.4 12,430.8 11,662.9 11,554.9 12,838.0 13,216.0 12,212.2 11,570.8 9,162.5 2,700.4 2,666.7 1,310.1 1,218.5 1,045.6 1,030.7 1,011.3 841.7
Debt Metrics
Total Debt 0 495.0 568.3 188.6 176.4 645.9 919.2 1,534.5 1,148.4 1,325.6 306.7 374.6 327.9 251.5 134.2 135.9 111.2 60.0
Net Debt (201.6) (633.4) (635.0) (496.8) (1,451.4) (912.0) 339.3 1,351.3 899.6 1,212.6 274.1 348.8 312.7 235.9 116.9 113.2 84.3 36.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999
Operating Activities
Net Income 90.3 61.0 69.6 92.5 118.7 (513.2) 101.5 109.2 49.1 58.7 8.2 11.9 9.0 1.8 8.9 4.6 5.6
Depreciation & Amortization 1.4 11.6 13.3 14.7 16.2 18.1 16.7 15.4 13.0 11.3 5.1 3.8 4.1 4.2 3.2 2.4 2.8
Stock-Based Compensation 0 8.3 7.5 7.3 4.2 4.7 4.8 4.8 5.1 4.6 0 0 0 0 0 0 0
Change in Working Capital 0 2.9 14.4 (12.1) 18.3 (31.2) (23.4) 30.6 13.8 3.3 (1.5) 0.9 (1.3) 6.0 (1.0) (11.1) (0.8)
Other Non-Cash Items (60.7) 41.4 52.4 8.2 (72.6) 749.2 11.9 62.3 (3.0) 20.2 6.3 1.4 2.2 8.1 8.2 9.1 0.1
Operating Cash Flow 31.0 125.2 157.2 110.7 84.8 227.6 111.5 222.3 78.1 98.1 19.7 19.6 15.1 19.5 19.9 2.2 7.5
Investing Activities
Capital Expenditure 0 (4.6) (1.8) (1.5) (1.6) (7.2) (10.6) (9.3) (11.3) (9.1) (4.1) (4.7) (1.5) (1.5) (2.3) (2.5) (3.7)
Acquisitions 148.3 (314.7) 0 0 (352.8) 0 110.8 0 374.6 (48.2) (26.6) (1.4) 0 0 (4.7) 0 0
Purchases of Investments 0 (100.9) (61.5) (494.3) (1,027.0) (1,054.7) (155.2) (297.5) (575.9) (407.2) (69.4) (152.7) (356.7) (258.5) (94.4) (126.4) (52.4)
Sales/Maturities of Investments 0.2 500.4 508.9 751.2 625.3 596.9 442.2 264.1 409.4 596.9 237.9 136.2 239.7 172.1 85.4 106.7 56.3
Other Investing Activities (0.4) (397.5) (730.1) (1,516.3) 1,377.4 1,106.1 811.0 (818.8) (479.2) (340.1) (59.8) (84.1) (96.2) 57.8 (13.1) (128.6) (66.8)
Investing Cash Flow 148.0 (317.2) (284.5) (1,260.9) 621.2 641.1 1,202.6 (861.5) (282.9) (207.6) 77.9 (106.7) (214.7) (30.1) (29.2) (150.9) (66.6)
Financing Activities
Net Debt Issuance 0 (68.7) 380.8 14.1 (462.1) (256.4) (843.8) 380.5 (196.4) (0.6) (158.1) 76.0 117.8 (1.0) 24.7 51.1 23.5
Stock Repurchased 0 (17.5) (23.8) (124.5) (68.7) (0.5) (52.7) (0.3) 0 (4.6) (8.0) (2.5) 0 0 0 0 0
Dividends Paid (63.1) (30.9) (31.7) (24.5) (24.6) (36.6) (45.1) (40.9) (33.2) (24.9) (3.7) (2.6) (2.6) (2.7) (2.8) (0.7) 0
Other Financing Activities 0 134.4 320.0 342.6 (80.8) 402.7 24.2 234.0 417.2 144.4 82.8 15.5 47.2 39.6 14.6 48.8 33.6
Financing Cash Flow (63.1) 117.2 645.2 207.7 (636.1) 109.3 (917.5) 573.7 340.5 119.0 (84.4) 87.5 156.4 29.1 7.8 167.6 57.1
Cash Position
Net Change in Cash 115.9 (74.8) 517.9 (942.5) 69.9 978.0 396.6 (65.6) 135.7 9.5 13.2 0.5 (43.2) 18.5 (1.5) 19.0 (2.0)
Cash at Beginning 32.0 1,203.2 685.4 1,627.8 1,557.9 579.8 183.2 248.8 113.1 103.6 17.9 17.4 60.7 42.1 43.6 24.6 26.7
Cash at End 147.9 1,128.4 1,203.2 685.4 1,627.8 1,557.9 579.8 183.2 248.8 113.1 31.1 17.9 17.4 60.7 42.1 43.6 24.6
Free Cash Flow 31.0 120.6 155.3 109.2 83.2 220.4 101.0 212.9 66.8 89.0 15.6 15.0 13.6 18.1 17.6 (0.3) 3.7
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999
Income Statement
Revenue 832.8 646.1 619.1 456.2 419.4 474.8 592.2 539.8 429.0 345.2 301.3 254.8 262.0 230.0 174.1 142.0 144.5 164.8 156.6 130.1 102.7 68.8 70.0 77.5 84.2 75.8 62.8
Gross Profit 0 359.8 379.8 402.5 381.5 306.0 413.8 404.6 343.9 279.7 251.4 211.5 215.6 187.9 134.8 98.2 50.9 102.8 84.3 64.4 65.2 46.6 49.8 47.9 43.4 39.1 32.8
Operating Income 0 79.5 78.3 113.8 149.0 (533.0) 124.0 138.2 91.2 77.5 54.6 45.5 58.2 47.0 18.3 16.4 (27.7) 31.1 18.8 15.6 16.2 17.6 14.0 2.1 13.3 6.9 7.6
Net Income 90.3 61.0 69.6 92.5 118.7 (533.0) 97.5 105.8 55.2 58.7 49.5 33.7 41.1 33.2 17.3 13.9 (16.1) 22.2 13.5 11.3 8.2 11.5 9.0 1.8 8.9 4.6 5.6
EPS (Diluted) 1.03 1.43 1.60 2.02 2.39 -10.60 1.97 2.29 1.39 1.88 1.73 1.36 1.65 1.49 0.98 0.99 -1.52 2.06 1.44 1.29 1.10 2.01 1.57 0.30 1.35 0.70 1.03
Balance Sheet
Cash & Equivalents 201.6 1,128.4 1,203.2 685.4 1,627.8 1,557.9 579.8 183.2 248.8 113.1 32.6 25.8 15.2 15.6 17.3 22.7 26.9 23.3
Total Assets 23,220.4 12,273.4 12,430.8 11,662.9 11,554.9 12,838.0 13,216.0 12,212.2 11,570.8 9,162.5 2,700.4 2,666.7 1,310.1 1,218.5 1,045.6 1,030.7 1,011.3 841.7
Total Debt 0 495.0 568.3 188.6 176.4 645.9 919.2 1,534.5 1,148.4 1,325.6 306.7 374.6 327.9 251.5 134.2 135.9 111.2 60.0
Stockholders' Equity 2,496.1 1,167.4 1,012.2 954.1 1,182.4 1,187.8 1,758.6 1,552.9 1,496.3 1,093.3 384.6 408.4 131.7 123.2 120.2 139.3 161.3 88.4
Cash Flow
Operating Cash Flow 31.0 125.2 157.2 110.7 84.8 227.6 111.5 222.3 78.1 98.1 19.7 19.6 15.1 19.5 19.9 2.2 7.5
Capital Expenditure 0 (4.6) (1.8) (1.5) (1.6) (7.2) (10.6) (9.3) (11.3) (9.1) (4.1) (4.7) (1.5) (1.5) (2.3) (2.5) (3.7)
Free Cash Flow 31.0 120.6 155.3 109.2 83.2 220.4 101.0 212.9 66.8 89.0 15.6 15.0 13.6 18.1 17.6 (0.3) 3.7