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Berkshire Hills Bancorp (BHLB) Financials

Berkshire Hills Bancorp logo
$24.92 -0.17 (-0.66%)
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Annual Income Statements for Berkshire Hills Bancorp

Annual Income Statements for Berkshire Hills Bancorp

This table shows Berkshire Hills Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 130 135 157 -7.55 -533 96 105 55 59 50 34
Consolidated Net Income / (Loss)		 130 135 157 -7.55 -533 97 106 55 59 50 34
Net Income / (Loss) Continuing Operations		 61 70 93 119 -513 102 109 49 59 50 34
Total Pre-Tax Income 		80 78 114 23 -533 124 138 91 77 55 46
Total Revenue		 469 477 478 309 453 526 431 365 298 268 226
Net Interest Income / (Expense)		 352 369 345 291 317 365 356 291 232 214 179
Total Interest Income		 614 576 387 329 410 510 466 355 280 247 207
Loans and Leases Interest Income		 557 513 335 282 358 449 406 303 243 211 174
Investment Securities Interest Income		 57 64 52 47 52 61 60 52 38 36 33
Total Interest Expense		 262 207 43 38 93 144 110 64 48 33 28
Deposits Interest Expense		 228 159 33 27 73 115 78 44 31 23 19
Long-Term Debt Interest Expense		 34 48 9.22 11 20 29 31 20 17 10 9.17
Total Non-Interest Income		 48 43 69 143 66 84 74 74 66 54 48
Other Service Charges		 151 133 135 18 143 155 78 -3.38 -3.29 52 56
Net Realized & Unrealized Capital Gains on Investments		 -34 -25 0.01 - -6.28 5.74 -3.26 6.27 0.53 2.11 -8.31
Other Non-Interest Income		 0.01 0.51 -2.04 - - - - 71 69 - -
Provision for Credit Losses		 24 32 11 - 76 35 25 21 17 17 15
Total Non-Interest Expense		 296 302 289 286 840 290 267 253 203 197 166
Salaries and Employee Benefits		 160 159 153 151 148 141 134 120 105 97 82
Net Occupancy & Equipment Expense		 72 78 73 76 76 66 64 56 47 45 42
Marketing Expense		 4.52 5.38 5.10 2.75 3.70 4.47 4.70 6.53 3.16 3.31 2.57
Other Operating Expenses		 46 48 44 42 41 41 53 60 40 43 31
Amortization Expense		 4.60 4.82 5.13 5.20 6.18 5.78 4.93 3.49 2.93 3.56 4.81
Restructuring Charge		 9.49 6.26 8.91 5.78 5.84 28 - - - - -
Income Tax Expense		 19 8.72 21 30 -20 22 0.00 42 19 5.06 12
Basic Earnings per Share		 $1.44 $1.61 $2.03 $2.41 ($10.60) $1.98 $2.30 $1.40 $1.89 $1.74 $1.36
Weighted Average Basic Shares Outstanding		 42.51M 43.29M 45.56M 49.24M 50.27M 49.26M 46.02M 39.46M 30.99M 28.39M 24.73M
Diluted Earnings per Share		 $1.43 $1.60 $2.02 $2.39 ($10.60) $1.97 $2.29 $1.39 $1.88 $1.73 $1.36
Weighted Average Diluted Shares Outstanding		 42.76M 43.50M 45.91M 49.55M 50.27M 49.42M 46.23M 39.70M 31.17M 28.56M 24.85M
Weighted Average Basic & Diluted Shares Outstanding		 46.40M 43.62M 44.47M 48.38M 51.04M 50.20M 45.60M 39.30M 31M 28.50M 24.80M
Cash Dividends to Common per Share		 $0.72 $0.72 $0.54 $0.48 $0.72 $0.92 $0.88 $0.84 $0.80 $0.76 $0.72

Quarterly Income Statements for Berkshire Hills Bancorp

This table shows Berkshire Hills Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 38 55 41 -4.64 14 36 41 44 105 19
Consolidated Net Income / (Loss)		 38 55 41 -4.64 14 36 41 44 105 19
Net Income / (Loss) Continuing Operations		 20 38 24 -20 -1.45 20 24 28 41 19
Total Pre-Tax Income 		27 48 31 -26 -5.95 23 28 33 46 24
Total Revenue		 129 143 125 71 95 124 127 130 188 108
Net Interest Income / (Expense)		 87 88 89 88 88 90 93 98 102 92
Total Interest Income		 151 157 154 152 151 148 145 132 121 104
Loans and Leases Interest Income		 138 143 139 137 135 133 127 117 108 90
Investment Securities Interest Income		 13 14 15 15 15 15 19 15 14 13
Total Interest Expense		 64 69 66 64 62 58 53 35 19 12
Deposits Interest Expense		 56 58 57 57 53 44 36 26 17 8.16
Long-Term Debt Interest Expense		 7.96 11 8.54 7.00 9.26 14 17 8.70 2.36 3.42
Total Non-Interest Income		 6.49 38 37 -33 -26 17 34 17 16 16
Other Service Charges		 42 39 37 33 31 35 34 32 86 17
Net Realized & Unrealized Capital Gains on Investments		 0.17 16 0.00 -50 -25 0.00 0.00 0.00 - -
Other Non-Interest Income		 -0.35 0.52 -0.04 -0.12 0.77 -0.47 -0.02 0.23 - -0.48
Provision for Credit Losses		 6.00 5.50 6.50 6.00 7.00 8.00 8.00 9.00 - 3.00
Total Non-Interest Expense		 78 72 71 76 79 77 74 72 70 82
Salaries and Employee Benefits		 39 41 40 41 40 40 40 39 38 39
Net Occupancy & Equipment Expense		 18 17 18 19 20 19 19 19 19 17
Marketing Expense		 2.01 0.86 0.53 1.12 1.11 1.55 1.51 1.21 1.23 1.29
Other Operating Expenses		 11 12 11 11 13 12 12 12 15 10
Amortization Expense		 1.13 1.13 1.14 1.21 1.21 1.21 1.21 1.21 1.28 1.29
Restructuring Charge		 6.56 -0.30 -0.38 3.62 3.67 2.61 0.02 -0.04 - 11
Income Tax Expense		 6.95 11 7.21 -6.29 -4.51 3.74 3.94 5.55 5.23 4.94
Basic Earnings per Share		 $0.45 $0.89 $0.57 ($0.47) ($0.02) $0.45 $0.55 $0.63 $0.69 $0.42
Weighted Average Basic Shares Outstanding		 42.51M 42.17M 42.44M 42.78M 43.29M 43.16M 43.44M 43.69M 45.56M 44.70M
Diluted Earnings per Share		 $0.45 $0.88 $0.57 ($0.47) ($0.03) $0.45 $0.55 $0.63 $0.68 $0.42
Weighted Average Diluted Shares Outstanding		 42.76M 42.45M 42.51M 43.03M 43.50M 43.35M 43.53M 44.04M 45.91M 45.03M
Weighted Average Basic & Diluted Shares Outstanding		 46.40M 42.98M 42.98M 43.29M 43.62M 43.67M 44.01M 44.28M 44.47M 45.03M

Annual Cash Flow Statements for Berkshire Hills Bancorp

This table details how cash moves in and out of Berkshire Hills Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 -75 518 -942 70 978 397 -66 136 9.51 32 -3.79
Net Cash From Operating Activities		 125 157 111 85 228 112 222 78 98 86 56
Net Cash From Continuing Operating Activities		 125 157 111 85 124 130 167 109 98 86 56
Net Income / (Loss) Continuing Operations		 61 70 93 119 -513 102 212 110 59 50 34
Consolidated Net Income / (Loss)		 61 70 93 119 -533 97 215 104 59 50 34
Provision For Loan Losses		 24 32 11 -0.50 - 35 25 21 17 17 15
Depreciation Expense		 6.98 8.45 9.58 11 12 11 10 9.50 8.39 8.59 8.29
Amortization Expense		 7.57 15 15 8.67 24 13 -13 -10 2.32 -4.46 -1.92
Non-Cash Adjustments to Reconcile Net Income		 25 30 -22 -59 606 -25 33 6.85 6.22 19 4.39
Changes in Operating Assets and Liabilities, net		 0.81 2.07 5.17 5.78 -4.27 -5.14 1.46 -29 5.19 -3.21 -3.65
Net Cash From Investing Activities		 -317 -284 -1,261 621 641 1,203 -862 -283 -208 -454 -369
Net Cash From Continuing Investing Activities		 -317 -284 -1,261 621 641 1,203 -861 -282 -208 -454 -369
Purchase of Property, Leasehold Improvements and Equipment		 -4.57 -1.82 -1.50 -1.61 -7.21 -11 -9.35 -11 -9.10 -7.34 -8.45
Purchase of Investment Securities		 -759 -1,272 -2,165 -1,027 -7.46 427 -1,180 -689 -817 -752 -1,077
Sale and/or Maturity of Investments		 760 990 906 719 656 675 328 513 618 314 714
Other Investing Activities, net		 -314 0.00 0.00 1,283 - - - -468 - - -
Net Cash From Financing Activities		 117 645 208 -636 109 -917 574 341 119 400 310
Net Cash From Continuing Financing Activities		 117 645 208 -636 109 -917 574 341 119 400 310
Net Change in Deposits		 125 306 258 -133 500 24 234 419 141 476 341
Issuance of Debt		 1,209 10,451 149 0.00 326 5,385 4,768 5,978 9,365 8,566 5,432
Issuance of Common Equity		 100 0.00 0.00 - - - - 153 0.00 0.00 -
Repayment of Debt		 -1,277 -10,070 -135 -462 -583 -6,229 -4,387 -6,175 -9,365 -8,620 -5,444
Repurchase of Common Equity		 -18 -24 -125 -69 -0.47 -53 0.00 0.00 - -0.55 -2.47
Payment of Dividends		 -31 -32 -25 -25 -37 -45 -41 -33 -25 -22 -18
Other Financing Activities, Net		 9.18 14 84 52 -97 0.19 0.33 -1.37 3.71 0.41 1.17
Cash Interest Paid		 35 47 9.04 11 21 33 32 21 17 9.97 9.99
Cash Income Taxes Paid		 -1.43 12 28 15 -14 20 3.03 18 16 0.43 0.75

Quarterly Cash Flow Statements for Berkshire Hills Bancorp

This table details how cash moves in and out of Berkshire Hills Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 558 -530 -93 -9.55 540 23 -366 321 -9.56 -176
Net Cash From Operating Activities		 37 47 35 6.86 52 35 28 41 23 78
Net Cash From Continuing Operating Activities		 37 47 35 6.86 52 35 28 41 23 78
Net Income / (Loss) Continuing Operations		 20 38 24 -20 -1.45 20 24 28 31 19
Consolidated Net Income / (Loss)		 20 38 24 -20 -1.45 20 24 28 31 19
Provision For Loan Losses		 6.00 5.50 6.50 6.00 7.00 8.00 8.00 9.00 - -
Depreciation Expense		 1.57 1.68 1.80 1.94 2.04 2.08 2.10 2.22 2.32 2.35
Amortization Expense		 1.74 2.21 0.92 2.71 4.87 3.27 3.15 3.76 4.99 4.19
Non-Cash Adjustments to Reconcile Net Income		 2.72 1.50 0.11 21 40 -3.80 -2.07 -4.02 -27 52
Changes in Operating Assets and Liabilities, net		 5.02 -1.51 1.40 -4.11 0.11 6.37 -6.80 2.41 0.21 0.51
Net Cash From Investing Activities		 -122 -306 -180 292 254 -51 -145 -344 -338 2.41
Net Cash From Continuing Investing Activities		 -122 -306 -180 292 254 -51 -145 -344 -338 2.41
Purchase of Property, Leasehold Improvements and Equipment		 -3.55 -0.47 -0.32 -0.24 -1.07 - - -0.75 -0.77 -
Purchase of Investment Securities		 -259 -107 -250 -143 -119 -213 -373 -567 -538 -230
Sale and/or Maturity of Investments		 140 118 67 435 374 163 229 224 200 232
Net Cash From Financing Activities		 644 -271 52 -308 233 38 -250 624 306 -256
Net Cash From Continuing Financing Activities		 644 -271 52 -308 233 38 -250 624 231 -181
Net Change in Deposits		 798 -135 -272 -266 653 -88 0.86 -260 339 -127
Issuance of Debt		 1.00 150 856 202 441 1,585 4,870 3,555 - -
Repayment of Debt		 -270 -254 -503 -250 -860 -1,455 -5,100 -2,655 -75 -54
Repurchase of Common Equity		 0.00 0.00 -13 -4.05 -6.70 -3.58 -12 -1.19 -20 -20
Payment of Dividends		 -15 0.13 -16 0.00 -7.85 -7.90 -7.95 -8.01 -8.11 -5.49
Other Financing Activities, Net		 31 -32 0.85 9.70 14 7.46 -0.18 -7.14 -4.66 25
Cash Interest Paid		 9.00 9.35 9.20 7.24 10 13 17 6.16 2.03 3.62
Cash Income Taxes Paid		 -1.79 -4.12 3.48 1.00 4.56 0.11 3.22 4.41 13 2.65

Annual Balance Sheets for Berkshire Hills Bancorp

This table presents Berkshire Hills Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 12,273 12,431 11,663 11,555 12,838 13,216 12,212 11,571 9,163 7,831 6,502
Cash and Due from Banks		 1,128 1,203 685 1,628 1,558 580 183 249 113 104 72
Trading Account Securities		 1,189 1,607 2,026 2,549 2,223 1,770 1,921 2,052 1,749 1,385 1,206
Loans and Leases, Net of Allowance		 9,270 8,934 8,239 6,720 7,954 -64 8,982 8,248 6,506 5,686 4,645
Loans and Leases		 9,385 9,040 8,335 6,826 8,082 - 9,043 8,299 6,550 5,725 4,681
Allowance for Loan and Lease Losses		 115 105 96 106 127 64 61 52 44 39 36
Loans Held for Sale		 3.08 2.24 4.31 6.11 18 37 - - - - 19
Premises and Equipment, Net		 57 69 85 94 113 - 108 109 93 88 87
Intangible Assets		 15 20 24 30 35 46 33 38 19 11 12
Other Assets		 611 595 595 529 937 10,268 490 355 279 234 197
Total Liabilities & Shareholders' Equity		 12,273 12,431 11,663 11,555 12,838 13,216 12,212 11,571 9,163 7,831 6,502
Total Liabilities		 11,106 11,419 10,709 10,372 11,650 11,457 10,659 10,074 8,069 6,944 5,793
Interest Bearing Deposits		 10,375 10,633 10,327 10,069 10,216 10,336 8,982 8,750 6,622 5,589 4,655
Short-Term Debt		 104 260 0.00 - 40 125 1,119 667 1,082 1,071 901
Long-Term Debt		 335 247 126 111 532 703 399 470 232 192 151
Other Long-Term Liabilities		 293 279 256 193 863 320 159 188 133 91 86
Total Equity & Noncontrolling Interests		 1,167 1,012 954 1,182 1,188 1,759 1,553 1,496 1,093 887 709
Total Preferred & Common Equity		 1,167 1,012 954 1,182 1,188 1,759 1,553 1,496 1,093 887 709
Total Common Equity		 1,167 1,012 954 1,182 1,188 1,718 1,512 1,456 1,093 887 709
Common Stock		 1,431 1,424 1,425 1,424 1,428 1,423 1,245 1,243 899 743 586
Retained Earnings		 -3.08 -33 -71 -139 -233 361 309 239 217 184 156
Treasury Stock		 -144 -225 -210 -90 -31 -70 -22 -24 -27 -29 -33
Accumulated Other Comprehensive Income / (Loss)		 -106 -143 -181 -3.24 31 12 -13 4.16 9.77 -3.31 6.58
Other Equity Adjustments		 -10 -10 -8.60 -9.06 -6.25 -8.47 -6.59 -6.53 -6.37 -7.00 -6.15

Quarterly Balance Sheets for Berkshire Hills Bancorp

This table presents Berkshire Hills Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 11,605 12,219 12,147 12,140 12,090 12,320 11,317
Cash and Due from Banks		 570 1,100 1,194 663 641 1,007 695
Trading Account Securities		 1,193 1,150 1,176 1,832 1,923 2,002 2,083
Loans and Leases, Net of Allowance		 9,100 9,116 8,978 8,882 8,782 8,584 7,847
Loans and Leases		 9,212 9,229 9,086 8,984 8,882 8,682 7,943
Allowance for Loan and Lease Losses		 112 112 107 103 100 98 96
Loans Held for Sale		 51 52 6.35 2.34 8.71 1.91 4.12
Premises and Equipment, Net		 55 56 58 70 77 79 87
Intangible Assets		 16 17 18 21 22 23 26
Other Assets		 620 727 716 670 637 624 571
Total Liabilities & Shareholders' Equity		 11,605 12,219 12,147 12,140 12,090 12,320 11,317
Total Liabilities		 10,534 11,207 11,137 11,189 11,117 11,324 10,375
Interest Bearing Deposits		 9,577 9,621 9,883 9,981 10,068 10,068 9,988
Short-Term Debt		 354 533 210 670 470 900 -
Long-Term Debt		 354 279 249 256 326 126 125
Other Long-Term Liabilities		 250 774 795 283 253 231 261
Total Equity & Noncontrolling Interests		 1,070 1,013 1,010 951 973 995 943
Total Preferred & Common Equity		 1,070 1,013 1,010 951 973 995 943
Total Common Equity		 1,070 1,013 1,010 951 973 995 943
Common Stock		 1,422 1,422 1,423 1,424 1,424 1,425 1,425
Retained Earnings		 -15 -45 -61 -24 -35 -51 -94
Treasury Stock		 -235 -235 -226 -219 -215 -208 -189
Accumulated Other Comprehensive Income / (Loss)		 -89 -115 -114 -218 -186 -159 -188
Other Equity Adjustments		 -12 -14 -11 -12 -14 -11 -11

Annual Metrics And Ratios for Berkshire Hills Bancorp

This table displays calculated financial ratios and metrics derived from Berkshire Hills Bancorp's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.80% -0.09% 54.69% -31.87% -13.88% 22.20% 17.88% 22.50% 11.18% 18.40% -0.23%
EBITDA Growth		 -2.69% -17.37% 375.77% 109.95% -290.49% 64.93% 50.16% 2.73% 50.16% 13.17% 18.98%
EBIT Growth		 3.09% -19.24% 679.68% 104.93% -330.59% 45.32% 51.51% 17.75% 41.90% 19.94% -21.87%
NOPAT Growth		 -12.35% -24.79% 1,325.44% 97.98% -467.53% -26.53% 181.33% -16.28% 18.48% 46.75% -17.98%
Net Income Growth		 -3.97% -13.83% 2,172.94% 98.58% -646.96% -7.86% 91.44% -5.83% 18.48% 46.75% -17.98%
EPS Growth		 -10.63% -20.79% -15.48% 122.55% -638.07% -13.97% 64.75% -26.06% 8.67% 27.21% -17.58%
Operating Cash Flow Growth		 -20.33% 41.92% 30.61% -62.75% 104.12% -49.82% 184.61% -20.43% 13.74% 54.57% -56.19%
Free Cash Flow Firm Growth		 93.05% -220.70% -33.22% 1.10% -22.62% 295.89% -69.12% 10.70% 41.62% -2,472.78% 102.44%
Invested Capital Growth		 5.71% 40.69% -16.52% -26.49% -31.97% -15.78% 16.61% 9.39% 11.94% 22.08% 1.12%
Revenue Q/Q Growth		 42.14% 7.94% 125.17% -42.60% 6.50% 3.08% 12.59% -4.07% 1.67% 3.93% 2.39%
EBITDA Q/Q Growth		 553.22% -3.62% 546.87% -83.69% 4.62% 18.12% 14.54% -12.73% 7.94% -9.57% 1.51%
EBIT Q/Q Growth		 2,101.70% -3.94% 333.85% -90.86% 4.43% 15.65% 8.24% 0.27% -8.93% 5.84% -0.06%
NOPAT Q/Q Growth		 52.89% -37.89% 310.65% -105.87% -7.88% -11.65% 66.06% -28.18% -8.83% 10.28% 2.62%
Net Income Q/Q Growth		 39,232.93% 37.59% 251.73% -105.21% -5.52% 13.37% 19.24% -19.22% -8.83% 10.28% 2.62%
EPS Q/Q Growth		 50.53% -30.74% 16.76% 3.46% -1.83% 11.30% 24.46% -24.86% -10.90% 4.85% 3.03%
Operating Cash Flow Q/Q Growth		 -11.17% 23.53% 22.41% -26.54% -24.77% 151.85% 6.37% -12.73% 3.37% 0.75% 30.36%
Free Cash Flow Firm Q/Q Growth		 -118.50% 46.93% 73.10% -36.44% -16.89% 41.58% -38.49% 72.10% -211.99% 15.26% 107.08%
Invested Capital Q/Q Growth		 -9.68% -19.07% 1.08% 0.34% -6.50% -6.75% -0.06% -5.04% 16.26% -1.50% 1.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.70% 35.02% 42.35% 13.77% -94.31% 42.64% 31.59% 24.80% 29.57% 21.90% 22.91%
EBIT Margin		 31.60% 30.10% 37.24% 7.39% -102.20% 38.17% 32.10% 24.97% 25.98% 20.36% 20.09%
Profit (Net Income) Margin		 27.65% 28.27% 32.78% -2.45% -117.64% 18.52% 24.57% 15.13% 19.68% 18.47% 14.90%
Tax Burden Percent		 162.90% 172.21% 137.52% -33.11% 100.00% 78.60% 76.54% 60.58% 75.75% 90.72% 74.15%
Interest Burden Percent		 53.71% 54.54% 64.01% 100.00% 115.12% 61.74% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.28% 11.14% 18.70% 133.11% 0.00% 18.12% 0.00% 46.15% 24.25% 9.28% 25.85%
Return on Invested Capital (ROIC)		 3.91% 5.36% 7.80% -0.49% -17.17% 3.59% 4.85% 1.95% 2.57% 2.53% 1.93%
ROIC Less NNEP Spread (ROIC-NNEP)		 18.41% 26.01% 61.95% -0.49% -40.03% 3.24% 2.40% 2.45% 2.57% 2.53% 1.93%
Return on Net Nonoperating Assets (RNNOA)		 7.98% 8.36% 6.85% -0.14% -19.01% 2.30% 2.09% 2.32% 3.35% 3.67% 2.94%
Return on Equity (ROE)		 11.89% 13.72% 14.65% -0.64% -36.18% 5.89% 6.94% 4.27% 5.92% 6.20% 4.86%
Cash Return on Invested Capital (CROIC)		 -1.65% -28.45% 25.81% 30.04% 20.88% 20.72% -10.49% -7.02% -8.69% -17.35% 0.82%
Operating Return on Assets (OROA)		 1.20% 1.19% 1.53% 0.19% -3.55% 1.58% 1.16% 0.88% 0.91% 0.76% 0.75%
Return on Assets (ROA)		 1.05% 1.12% 1.35% -0.06% -4.09% 0.77% 0.89% 0.53% 0.69% 0.69% 0.55%
Return on Common Equity (ROCE)		 11.89% 13.72% 14.65% -0.64% -35.68% 5.74% 6.75% 4.20% 5.92% 6.20% 4.86%
Return on Equity Simple (ROE_SIMPLE)		 11.10% 13.33% 16.41% -0.64% -44.88% 5.54% 6.81% 3.69% 5.37% 5.58% 4.76%
Net Operating Profit after Tax (NOPAT)		 61 70 93 -7.55 -373 102 138 49 59 50 34
NOPAT Margin		 13.02% 14.59% 19.38% -2.45% -82.35% 19.30% 32.10% 13.45% 19.68% 18.47% 14.90%
Net Nonoperating Expense Percent (NNEP)		 -14.51% -20.66% -54.15% 0.00% 22.86% 0.35% 2.44% -0.50% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.55% 50.78% 48.39% 74.16% 50.16% 40.20% 47.10% 50.03% 51.95% 54.47% 55.64%
Operating Expenses to Revenue		 63.28% 63.19% 60.46% 92.61% 185.45% 55.10% 61.99% 69.27% 68.20% 73.41% 73.30%
Earnings before Interest and Taxes (EBIT)		 148 144 178 23 -463 201 138 91 77 55 46
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 163 167 202 43 -427 224 136 91 88 59 52
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.04 1.03 1.32 1.09 0.67 0.84 0.69 0.94 0.85 0.80 0.72
Price to Tangible Book Value (P/TBV)		 1.05 1.05 1.35 1.12 0.69 1.28 1.08 1.53 1.39 1.28 1.19
Price to Revenue (P/Rev)		 2.59 2.19 2.64 4.19 1.76 2.73 2.41 3.76 3.12 2.64 2.27
Price to Earnings (P/E)		 9.37 7.76 8.04 0.00 0.00 14.87 9.90 24.92 15.84 14.30 15.21
Dividend Yield		 2.55% 3.00% 1.93% 2.26% 4.58% 3.20% 3.85% 2.77% 2.68% 3.32% 3.53%
Earnings Yield		 10.67% 12.89% 12.44% 0.00% 0.00% 6.73% 10.10% 4.01% 6.31% 6.99% 6.58%
Enterprise Value to Invested Capital (EV/IC)		 0.33 0.23 0.65 0.00 0.00 0.67 0.79 0.87 0.88 0.87 0.85
Enterprise Value to Revenue (EV/Rev)		 1.12 0.73 1.46 0.00 0.00 3.28 5.61 6.30 7.15 6.97 6.60
Enterprise Value to EBITDA (EV/EBITDA)		 3.22 2.09 3.45 0.00 0.00 7.68 17.74 25.40 24.16 31.81 28.79
Enterprise Value to EBIT (EV/EBIT)		 3.54 2.44 3.93 0.00 0.00 8.58 17.46 25.22 27.50 34.22 32.82
Enterprise Value to NOPAT (EV/NOPAT)		 8.59 5.03 7.55 0.00 0.00 16.97 17.46 46.84 36.31 37.72 44.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.18 2.23 6.31 0.00 0.00 15.45 10.86 29.46 21.70 21.65 26.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 2.28 0.00 0.00 2.94 0.00 0.00 0.00 0.00 104.43
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.38 0.50 0.13 0.09 0.48 0.47 0.98 0.76 1.20 1.42 1.48
Long-Term Debt to Equity		 0.29 0.24 0.13 0.09 0.45 0.40 0.26 0.31 0.21 0.22 0.21
Financial Leverage		 0.43 0.32 0.11 0.29 0.47 0.71 0.87 0.95 1.30 1.45 1.53
Leverage Ratio		 11.33 12.25 10.87 10.29 8.84 7.68 7.80 8.01 8.58 8.98 8.78
Compound Leverage Factor		 6.09 6.68 6.96 10.29 10.18 4.74 7.80 8.01 8.58 8.98 8.78
Debt to Total Capital		 27.29% 33.35% 11.63% 8.57% 32.49% 32.00% 49.43% 43.18% 54.58% 58.75% 59.74%
Short-Term Debt to Total Capital		 6.45% 17.12% 0.00% 0.00% 2.27% 4.83% 36.44% 25.34% 44.95% 49.81% 51.14%
Long-Term Debt to Total Capital		 20.84% 16.24% 11.63% 8.57% 30.22% 27.17% 12.99% 17.84% 9.64% 8.93% 8.60%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 1.57% 1.32% 1.54% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 72.71% 66.65% 88.37% 91.43% 67.51% 66.43% 49.25% 55.28% 45.42% 41.25% 40.26%
Debt to EBITDA		 2.69 3.03 0.62 2.61 -1.34 3.69 11.16 12.55 14.90 21.52 20.28
Net Debt to EBITDA		 -4.25 -4.17 -2.77 -35.69 2.31 1.10 9.81 9.81 13.62 19.75 18.90
Long-Term Debt to EBITDA		 2.06 1.48 0.62 2.61 -1.24 3.13 2.93 5.19 2.63 3.27 2.92
Debt to NOPAT		 7.18 7.28 1.36 -14.68 -1.53 8.15 10.98 23.15 22.40 25.51 31.19
Net Debt to NOPAT		 -11.32 -10.01 -6.05 200.90 2.64 2.44 9.66 18.09 20.47 23.42 29.06
Long-Term Debt to NOPAT		 5.48 3.54 1.36 -14.68 -1.42 6.92 2.89 9.56 3.95 3.88 4.49
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 1.38% 2.45% 2.67% 1.57% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -26 -370 306 459 454 586 -299 -177 -198 -339 14
Operating Cash Flow to CapEx		 2,740.94% 8,634.95% 7,407.29% 5,279.45% 3,158.17% 1,055.61% 2,377.30% 693.77% 1,105.83% 1,698.92% 909.76%
Free Cash Flow to Firm to Interest Expense		 -0.10 -1.78 7.18 12.10 4.88 4.06 -2.73 -2.76 -4.11 -10.23 0.50
Operating Cash Flow to Interest Expense		 0.48 0.76 2.60 2.24 2.45 0.77 2.03 1.22 2.04 2.60 1.97
Operating Cash Flow Less CapEx to Interest Expense		 0.46 0.75 2.56 2.19 2.37 0.70 1.94 1.04 1.85 2.45 1.75
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 7.47 6.19 5.32 2.98 0.00 0.00 3.95 3.61 3.29 3.06 2.64
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,606 1,519 1,080 1,293 1,759 2,586 3,071 2,633 2,407 2,151 1,762
Invested Capital Turnover		 0.30 0.37 0.40 0.20 0.21 0.19 0.15 0.14 0.13 0.14 0.13
Increase / (Decrease) in Invested Capital		 87 439 -214 -466 -827 -485 437 226 257 389 19
Enterprise Value (EV)		 524 350 699 -224 -187 1,723 2,413 2,300 2,130 1,868 1,494
Market Capitalization		 1,214 1,046 1,258 1,293 799 1,435 1,038 1,371 929 708 513
Book Value per Share		 $27.16 $23.18 $21.19 $24.30 $23.37 $34.40 $33.30 $32.16 $35.07 $28.64 $28.17
Tangible Book Value per Share		 $26.81 $22.73 $20.65 $23.69 $22.68 $22.40 $21.15 $19.84 $21.52 $17.84 $17.19
Total Capital		 1,606 1,519 1,080 1,293 1,759 2,586 3,071 2,633 2,407 2,151 1,762
Total Debt		 438 507 126 111 572 828 1,518 1,137 1,314 1,263 1,052
Total Long-Term Debt		 335 247 126 111 532 703 399 470 232 192 151
Net Debt		 -690 -697 -560 -1,517 -986 248 1,335 888 1,201 1,160 981
Capital Expenditures (CapEx)		 4.57 1.82 1.50 1.61 7.21 11 9.35 11 8.88 5.08 6.14
Net Nonoperating Expense (NNE)		 -69 -65 -64 0.00 160 4.07 32 -6.13 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 438 507 126 111 572 828 1,518 1,137 1,314 1,263 1,052
Total Depreciation and Amortization (D&A)		 15 23 24 20 36 24 -2.17 -0.63 11 4.13 6.38
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.44 $1.61 $2.03 $2.41 ($10.60) $1.98 $2.30 $1.40 $1.89 $1.74 $1.36
Adjusted Weighted Average Basic Shares Outstanding		 42.51M 43.29M 45.56M 49.24M 50.27M 49.26M 46.02M 39.46M 30.99M 28.39M 24.73M
Adjusted Diluted Earnings per Share		 $1.43 $1.60 $2.02 $2.39 ($10.60) $1.97 $2.29 $1.39 $1.88 $1.73 $1.36
Adjusted Weighted Average Diluted Shares Outstanding		 42.76M 43.50M 45.91M 49.55M 50.27M 49.42M 46.23M 39.70M 31.17M 28.56M 24.85M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 46.40M 43.62M 44.47M 48.38M 51.04M 50.20M 45.53M 45.37M 35.73M 31.08M 25.25M
Normalized Net Operating Profit after Tax (NOPAT)		 68 75 100 20 19 124 97 49 59 50 34
Normalized NOPAT Margin		 14.57% 15.75% 20.89% 6.48% 4.11% 23.66% 22.47% 13.45% 19.68% 18.47% 14.90%
Pre Tax Income Margin		 16.97% 16.42% 23.83% 7.39% -117.65% 23.57% 32.10% 24.97% 25.98% 20.36% 20.09%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.56 0.69 4.17 0.60 -4.98 1.39 1.26 1.42 1.61 1.65 1.61
NOPAT to Interest Expense		 0.23 0.34 2.17 -0.20 -4.01 0.70 1.26 0.77 1.22 1.49 1.19
EBIT Less CapEx to Interest Expense		 0.55 0.68 4.13 0.56 -5.06 1.32 1.17 1.25 1.42 1.49 1.39
NOPAT Less CapEx to Interest Expense		 0.22 0.33 2.13 -0.24 -4.09 0.63 1.17 0.59 1.03 1.34 0.97
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.89% 23.51% 15.67% -325.16% -6.86% 46.29% 38.66% 60.17% 42.47% 44.23% 53.57%
Augmented Payout Ratio		 37.42% 41.19% 95.22% -1,235.13% -6.95% 100.41% 38.66% 60.17% 42.47% 45.34% 60.88%

Quarterly Metrics And Ratios for Berkshire Hills Bancorp

This table displays calculated financial ratios and metrics derived from Berkshire Hills Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 35.02% 15.01% -1.27% -45.38% -49.35% 14.92% 30.09% 56.37% 343.83% -25.29%
EBITDA Growth		 197.87% 53.57% 0.94% -111.39% -87.04% 50.14% 43.20% 185.07% 194.43% -64.62%
EBIT Growth		 382.58% 64.38% 6.68% -122.21% -92.08% 69.02% 54.13% 235.07% 180.65% -70.26%
NOPAT Growth		 571.64% 91.91% 0.69% -167.07% -110.16% 4.42% 3.23% 185.36% 144.96% -70.64%
Net Income Growth		 175.60% 51.98% -0.63% -110.62% -86.79% 93.65% 77.87% 350.70% 167.89% -70.64%
EPS Growth		 1,600.00% 95.56% 3.64% -174.60% -104.41% 7.14% 10.00% 50.00% 74.36% -67.94%
Operating Cash Flow Growth		 -30.02% 32.25% 23.02% -83.27% 132.99% -54.29% 1,152.96% 207.09% 905.00% 312.26%
Free Cash Flow Firm Growth		 84.88% 117.31% 93.49% 167.82% -274.07% -429.36% -294.24% -284.18% -32.06% -63.51%
Invested Capital Growth		 5.71% -5.28% 3.11% -27.34% 40.69% 75.70% 39.48% 67.58% -16.52% -17.13%
Revenue Q/Q Growth		 -10.08% 14.10% 76.53% 985.71% -23.41% -2.05% -2.34% 115.98% 73.77% 10.88%
EBITDA Q/Q Growth		 -30.37% 37.08% 908.34% 91.40% -64.10% -9.90% -8.81% 2,354.00% 315.80% -14.07%
EBIT Q/Q Growth		 -31.27% 36.74% 539.85% 86.24% -76.59% -11.26% -8.42% 604.49% 399.78% -19.07%
NOPAT Q/Q Growth		 -47.59% 56.12% 229.62% -344.73% -121.32% -18.09% -13.66% -32.62% 119.14% -19.03%
Net Income Q/Q Growth		 -30.60% 34.82% 981.11% 93.81% -61.73% -11.84% -5.81% 289.96% 461.05% -19.03%
EPS Q/Q Growth		 -48.86% 54.39% 221.28% -1,466.67% -106.67% -18.18% -12.70% -7.35% 61.90% -16.00%
Operating Cash Flow Q/Q Growth		 -21.72% 34.91% 406.54% -86.92% 47.93% 25.50% -31.10% 82.13% -70.97% 2,990.76%
Free Cash Flow Firm Q/Q Growth		 -149.10% 539.90% -105.81% 220.43% 43.80% -65.46% 39.44% -409.13% 6.33% -2.42%
Invested Capital Q/Q Growth		 -9.68% -2.55% 24.21% -3.31% -19.07% 6.08% -12.47% 87.21% 1.08% -15.79%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.65% 48.62% 40.47% -8.84% 17.07% 36.41% 39.59% 42.40% 66.69% 27.87%
EBIT Margin		 35.09% 45.90% 38.30% -15.37% 9.82% 32.12% 35.45% 37.80% 62.81% 21.84%
Profit (Net Income) Margin		 29.69% 38.47% 32.56% -6.52% 14.55% 29.11% 32.35% 33.54% 55.78% 17.28%
Tax Burden Percent		 143.68% 114.39% 130.81% 17.51% -232.95% 155.65% 147.87% 131.54% 227.09% 79.11%
Interest Burden Percent		 58.89% 73.26% 64.98% 242.30% -63.60% 58.24% 61.71% 67.45% 39.11% 100.00%
Effective Tax Rate		 26.12% 22.11% 23.08% 0.00% 0.00% 16.07% 14.18% 16.72% 11.30% 20.89%
Return on Invested Capital (ROIC)		 4.58% 4.73% 3.31% -4.67% -1.61% 4.71% 5.26% 5.22% 8.77% 3.11%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.51% 6.88% 5.41% -2.80% 4.10% 7.89% 8.55% 8.03% 62.92% 3.11%
Return on Net Nonoperating Assets (RNNOA)		 3.69% 5.56% 4.37% -2.07% 1.32% 4.38% 4.52% 4.37% 6.96% 0.35%
Return on Equity (ROE)		 8.27% 10.28% 7.69% -6.74% -0.29% 9.09% 9.78% 9.59% 15.73% 3.46%
Cash Return on Invested Capital (CROIC)		 -1.65% 7.61% -1.84% 32.92% -28.45% -47.31% -25.65% -43.67% 25.81% 15.01%
Operating Return on Assets (OROA)		 1.33% 1.27% 0.98% -0.39% 0.39% 1.21% 1.28% 1.23% 2.58% 0.40%
Return on Assets (ROA)		 1.13% 1.07% 0.83% -0.17% 0.58% 1.10% 1.16% 1.09% 2.29% 0.32%
Return on Common Equity (ROCE)		 8.27% 10.28% 7.69% -6.74% -0.29% 9.09% 9.78% 9.59% 15.73% 3.46%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -0.03% -1.89% -1.87% 0.00% 10.31% 8.27% 6.28% 0.00% -10.94%
Net Operating Profit after Tax (NOPAT)		 20 38 24 -19 -4.17 20 24 28 41 19
NOPAT Margin		 15.27% 26.20% 19.14% -26.07% -4.37% 15.70% 18.77% 21.23% 21.79% 17.28%
Net Nonoperating Expense Percent (NNEP)		 -3.93% -2.15% -2.10% -1.87% -5.71% -3.18% -3.29% -2.82% -54.15% 0.00%
SG&A Expenses to Revenue		 45.45% 41.14% 46.98% 85.03% 64.06% 49.11% 47.92% 45.43% 31.00% 53.66%
Operating Expenses to Revenue		 60.25% 50.26% 56.52% 106.93% 82.84% 61.46% 58.26% 55.29% 37.19% 75.39%
Earnings before Interest and Taxes (EBIT)		 45 66 48 -11 9.36 40 45 49 118 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 48 70 51 -6.28 16 45 50 55 126 30
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.04 1.08 0.97 0.98 1.03 0.90 0.91 1.07 1.32 1.25
Price to Tangible Book Value (P/TBV)		 1.05 1.10 0.99 1.00 1.05 0.92 0.93 1.10 1.35 1.29
Price to Revenue (P/Rev)		 2.59 3.51 3.17 3.18 2.19 1.93 2.08 2.69 2.64 5.57
Price to Earnings (P/E)		 9.37 0.00 0.00 0.00 7.76 8.72 11.03 17.08 8.04 0.00
Dividend Yield		 2.55% 2.67% 3.16% 3.17% 3.00% 3.71% 3.29% 2.50% 1.93% 2.32%
Earnings Yield		 10.67% 0.00% 0.00% 0.00% 12.89% 11.47% 9.07% 5.85% 12.44% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.33 0.73 0.38 0.18 0.23 0.60 0.59 0.54 0.65 0.57
Enterprise Value to Revenue (EV/Rev)		 1.12 3.93 2.24 0.82 0.73 2.53 2.45 2.74 1.46 2.88
Enterprise Value to EBITDA (EV/EBITDA)		 3.22 52.01 1,149.72 1,906.51 2.09 6.44 6.80 8.36 3.45 0.00
Enterprise Value to EBIT (EV/EBIT)		 3.54 192.55 0.00 0.00 2.44 7.47 8.14 10.42 3.93 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 8.59 32.45 31.81 11.82 5.03 9.97 9.37 9.84 7.55 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.18 9.19 5.39 2.09 2.23 8.78 6.16 7.85 6.31 6.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 9.32 0.00 0.45 0.00 0.00 0.00 0.00 2.28 3.45
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.38 0.66 0.80 0.45 0.50 0.97 0.82 1.03 0.13 0.13
Long-Term Debt to Equity		 0.29 0.33 0.28 0.25 0.24 0.27 0.33 0.13 0.13 0.13
Financial Leverage		 0.43 0.81 0.81 0.74 0.32 0.56 0.53 0.54 0.11 0.11
Leverage Ratio		 11.33 11.75 12.24 12.20 12.25 12.39 11.91 11.69 10.87 10.92
Compound Leverage Factor		 6.68 8.61 7.95 29.56 -7.79 7.21 7.35 7.88 4.25 10.92
Debt to Total Capital		 27.29% 39.78% 44.47% 31.23% 33.35% 49.32% 44.97% 50.74% 11.63% 11.75%
Short-Term Debt to Total Capital		 6.45% 19.89% 29.19% 14.30% 17.12% 35.70% 26.57% 44.53% 0.00% 0.00%
Long-Term Debt to Total Capital		 20.84% 19.89% 15.27% 16.93% 16.24% 13.62% 18.41% 6.21% 11.63% 11.75%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 72.71% 60.22% 55.53% 68.77% 66.65% 50.68% 55.03% 49.26% 88.37% 88.25%
Debt to EBITDA		 2.69 28.41 1,336.23 3,396.99 3.03 5.34 5.19 7.89 0.62 -2.77
Net Debt to EBITDA		 -4.25 5.51 -476.44 -5,445.19 -4.17 1.51 1.01 0.15 -2.77 12.58
Long-Term Debt to EBITDA		 2.06 14.21 458.97 1,841.44 1.48 1.47 2.12 0.97 0.62 -2.77
Debt to NOPAT		 7.18 17.72 36.97 21.06 7.28 8.26 7.15 9.28 1.36 -2.86
Net Debt to NOPAT		 -11.32 3.44 -13.18 -33.76 -10.01 2.34 1.39 0.17 -6.05 12.96
Long-Term Debt to NOPAT		 5.48 8.86 12.70 11.42 3.54 2.28 2.93 1.14 1.36 -2.86
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -67 137 -31 534 -443 -789 -477 -787 255 240
Operating Cash Flow to CapEx		 1,033.89% 10,083.44% 10,928.93% 2,919.57% 4,915.65% 0.00% 0.00% 5,444.89% 2,942.75% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.05 1.97 -0.47 8.36 -7.14 -13.68 -9.05 -22.64 13.20 20.67
Operating Cash Flow to Interest Expense		 0.58 0.68 0.53 0.11 0.84 0.61 0.54 1.18 1.17 6.69
Operating Cash Flow Less CapEx to Interest Expense		 0.52 0.67 0.53 0.10 0.83 0.61 0.54 1.16 1.13 6.69
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.03 0.04 0.02
Fixed Asset Turnover		 7.47 5.29 4.68 4.58 6.19 5.64 5.11 4.62 5.32 2.28
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,606 1,778 1,824 1,469 1,519 1,877 1,769 2,021 1,080 1,068
Invested Capital Turnover		 0.30 0.18 0.17 0.18 0.37 0.30 0.28 0.25 0.40 0.18
Increase / (Decrease) in Invested Capital		 87 -99 55 -553 439 809 501 815 -214 -221
Enterprise Value (EV)		 524 1,295 698 257 350 1,117 1,043 1,087 699 611
Market Capitalization		 1,214 1,158 987 992 1,046 855 888 1,068 1,258 1,181
Book Value per Share		 $27.16 $24.90 $23.40 $23.61 $23.18 $21.61 $21.98 $22.39 $21.19 $20.64
Tangible Book Value per Share		 $26.81 $24.53 $23.00 $23.18 $22.73 $21.14 $21.49 $21.86 $20.65 $20.07
Total Capital		 1,606 1,778 1,824 1,469 1,519 1,877 1,769 2,021 1,080 1,068
Total Debt		 438 707 811 459 507 926 796 1,026 126 125
Total Long-Term Debt		 335 354 279 249 247 256 326 126 126 125
Net Debt		 -690 137 -289 -735 -697 262 155 19 -560 -569
Capital Expenditures (CapEx)		 3.55 0.47 0.32 0.24 1.07 0.00 0.00 0.75 0.77 0.00
Net Nonoperating Expense (NNE)		 -19 -18 -17 -14 -18 -17 -17 -16 -64 0.00
Net Nonoperating Obligations (NNO)		 438 707 811 459 507 926 796 1,026 126 125
Total Depreciation and Amortization (D&A)		 3.30 3.89 2.72 4.65 6.91 5.35 5.26 5.98 7.30 6.54
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 $0.89 $0.57 ($0.47) ($0.02) $0.45 $0.55 $0.63 $0.69 $0.42
Adjusted Weighted Average Basic Shares Outstanding		 42.51M 42.17M 42.44M 42.78M 43.29M 43.16M 43.44M 43.69M 45.56M 44.70M
Adjusted Diluted Earnings per Share		 $0.45 $0.88 $0.57 ($0.47) ($0.03) $0.45 $0.55 $0.63 $0.68 $0.42
Adjusted Weighted Average Diluted Shares Outstanding		 42.76M 42.45M 42.51M 43.03M 43.50M 43.35M 43.53M 44.04M 45.91M 45.03M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 46.40M 42.98M 42.98M 43.29M 43.62M 43.67M 44.01M 44.28M 44.47M 45.03M
Normalized Net Operating Profit after Tax (NOPAT)		 25 37 24 -16 -1.60 22 24 28 41 28
Normalized NOPAT Margin		 19.03% 26.03% 18.91% -22.51% -1.68% 17.46% 18.79% 21.21% 21.79% 25.66%
Pre Tax Income Margin		 20.66% 33.63% 24.89% -37.25% -6.24% 18.70% 21.88% 25.50% 24.56% 21.84%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.71 0.95 0.73 -0.17 0.15 0.69 0.86 1.41 6.13 2.04
NOPAT to Interest Expense		 0.31 0.54 0.37 -0.29 -0.07 0.34 0.45 0.79 2.13 1.62
EBIT Less CapEx to Interest Expense		 0.65 0.94 0.73 -0.17 0.13 0.69 0.86 1.39 6.09 2.04
NOPAT Less CapEx to Interest Expense		 0.25 0.54 0.36 -0.29 -0.08 0.34 0.45 0.77 2.09 1.62
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 23.89% -7,037.46% -163.39% -125.31% 23.51% 32.62% 36.73% 42.21% 15.67% -21.86%
Augmented Payout Ratio		 37.42% -14,359.52% -308.48% -266.47% 41.19% 70.49% 103.55% 196.53% 95.22% -123.20%

Frequently Asked Questions About Berkshire Hills Bancorp's Financials

When does Berkshire Hills Bancorp's financial year end?

According to the most recent income statement we have on file, Berkshire Hills Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Berkshire Hills Bancorp's net income changed over the last 10 years?

Berkshire Hills Bancorp's net income appears to be on an upward trend, with a most recent value of $129.53 million in 2024, rising from $33.74 million in 2014. The previous period was $134.88 million in 2023. Find out what analysts predict for Berkshire Hills Bancorp in the coming months.

How has Berkshire Hills Bancorp revenue changed over the last 10 years?

Over the last 10 years, Berkshire Hills Bancorp's total revenue changed from $226.46 million in 2014 to $468.53 million in 2024, a change of 106.9%.

How much debt does Berkshire Hills Bancorp have?

Berkshire Hills Bancorp's total liabilities were at $11.11 billion at the end of 2024, a 2.7% decrease from 2023, and a 91.7% increase since 2014.

How much cash does Berkshire Hills Bancorp have?

In the past 10 years, Berkshire Hills Bancorp's cash and equivalents has ranged from $71.75 million in 2014 to $1.63 billion in 2021, and is currently $1.13 billion as of their latest financial filing in 2024.

How has Berkshire Hills Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Berkshire Hills Bancorp's book value per share changed from 28.17 in 2014 to 27.16 in 2024, a change of -3.6%.


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This page (NYSE:BHLB) was last updated on 5/23/2025 by MarketBeat.com Staff
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