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BHLB stock logo

BHLB

Berkshire Hills Bancorp, Inc.

$26.13
-0.17
 (-0.65%)
Exchange:  
Market Cap:  1.212B
Shares Outstanding:  6.142M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Nitin J. Mhatre
Full Time Employees:  1186
Address: 
60 State Street
Boston
MA
2109
US
Website:  https://www.berkshirebank.com
Berkshire Hills Bancorp, Inc. operates as the bank holding company for Berkshire Bank that provides various banking products and services. It offers various deposit accounts, including demand deposit, NOW, regular savings, money market savings, time certificates of deposit, and retirement deposit accounts; and loans, such as commercial real estate, commercial and industrial, consumer, and residential mortgage loans. The company also provides wealth management services comprising investment management, trust administration, and financial planning; and investment products, financial planning, and brokerage services. In addition, it offers electronic banking, commercial cash management, online banking, small business banking, asset based lending, and mobile banking services; and debit cards and other electronic fee producing payment services to transaction account customers. The company serves personal, commercial, non-profit, and municipal deposit customers. As of March 14, 2022, it operated 106 full-service branches in Massachusetts, New York, Connecticut, and Vermont. The company also has commercial banking offices in Providence, Rhode Island and New Haven, Connecticut. Berkshire Hills Bancorp, Inc. was founded in 1846 and is headquartered in Boston, Massachusetts.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/29 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue413,534576,299613,938
Gross Profit171,758322,944438,577
EBITDA-513,1750434,055
Operating Income156,478317,567434,055
Net Income92,53369,59861,003

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets11,662,86412,430,82112,273,408
Total Liabilities10,708,80211,418,60011,105,984
Total Stockholders Equity954,0621,012,2211,167,424
Total Debt188,551568,293494,971
Cash and Cash Equivalents685,3551,203,2441,128,409

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow110,739157,156125,206
Capital Expenditure-1,495-1,820-4,568
Free Cash Flow109,244155,336120,638
Net Income92,53369,59861,003
Net Change in Cash-942,452517,889-74,835

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2026Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)629,277.839Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)641,564.826Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)635,421.333Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-4,525.046Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-4,438.384Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-4,481.715Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)140,585.770Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)145,948.427Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)143,267.099Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)201,748.205Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)205,687.446Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)203,717.826Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.370Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.410Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.290Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
645.839M  ?P/S
 (TTM)
: 
3.18
?Net Income
 (TTM)
: 
61.003M  ?P/E
 (TTM)
: 
117.39
?Enterprise Value
 (TTM)
: 
2.215B  ?EV/FCF
 (TTM)
: 
22.02
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
5.28
?ROE
 (TTM)
: 
0.01  ?ROIC
 (TTM)
: 
0
?Net Debt
 (TTM)
: 
312.288M  ?Debt/Equity
 (TTM)
: 
0.49
?P/B
 (TTM)
: 
0.41  ?Current Ratio
 (TTM)
: 
0.09

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
7.75Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BHLB intrinsic value between $36.30 – $41.51 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate BHLB Intrinsic Value

Common questions about BHLB valuation

Is Berkshire Hills Bancorp, Inc. (BHLB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Berkshire Hills Bancorp, Inc. (BHLB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BHLB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BHLB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BHLB’s P/E ratio?

You can see BHLB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BHLB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BHLB a good long-term investment?

Whether BHLB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BHLB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.65
MARKETSnap

Trading Metrics:

Open: 26.39   Previous Close: 26.3
Day Low: 25.91   Day High: 26.62
Year Low: 22.27   Year High: 32.36
Price Avg 50: 25.8   Price Avg 200: 26.61
Volume: 2.568M   Average Volume: 538400

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