Berkshire Hills Bancorp, Inc.
New York Stock ExchangeTotal Valuation
Berkshire Hills Bancorp, Inc. carries a market capitalization of 1.21B, placing it among publicly traded companies globally. Its enterprise value stands at 316.54M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.21B |
| Enterprise Value | 316.54M |
Share Statistics
Berkshire Hills Bancorp, Inc. currently has 46.30M shares outstanding.
| Shares Outstanding | 46.30M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Berkshire Hills Bancorp, Inc. trades at a trailing price-to-earnings ratio of 9.74. The price-to-sales ratio is 2.49, and the price-to-book ratio stands at 29.94.
| PE Ratio | 9.74 |
| PS Ratio | 2.49 |
| PB Ratio | 29.94 |
| P/TBV Ratio | 0.91 |
| P/FCF Ratio | 7.17 |
| P/OCF Ratio | 7.59 |
Enterprise Valuation
On an enterprise value basis, Berkshire Hills Bancorp, Inc. trades at an EV/EBITDA multiple of 29.57 and an EV/FCF ratio of 2.04.
| EV / Sales | 0.71 |
| EV / EBITDA | 29.57 |
| EV / EBIT | N/A |
| EV / FCF | 2.04 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 47.91 |
| Debt / EBITDA | 54.71 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | N/A |
| Return on Assets (ROA) | 0.93 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Berkshire Hills Bancorp, Inc. has paid 37.61M in income taxes, reflecting an effective tax rate of 24.93.
| Income Tax | 37.61M |
| Effective Tax Rate | 24.93 |
Stock Price Statistics
Berkshire Hills Bancorp, Inc.'s stock has declined approximately -2.97066% over the past 52 weeks. The 50-day moving average sits at 25.80, while the 200-day moving average is 26.61.
| Beta (5Y) | N/A |
| 52-Week Price Change | -2.97066% |
| 50-Day Moving Average | 25.80 |
| 200-Day Moving Average | 26.61 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Berkshire Hills Bancorp, Inc. generated 443.67M in revenue and converted that into 113.25M in net income, yielding earnings per share of 2.55.
| Revenue | 443.67M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 150.87M |
| Net Income | 113.25M |
| EBITDA | 10.70M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.55 |
Balance Sheet
Berkshire Hills Bancorp, Inc. holds 1.37B in cash and equivalents against 585.60M in total debt, resulting in a net debt position of -217.13M.
| Cash & Cash Equivalents | 1.37B |
| Total Debt | 585.60M |
| Net Debt | -217.13M |
| Equity (Book Value) | 36.85M |
| Book Value Per Share | 0.84 |
| Working Capital | N/A |
Cash Flow
Berkshire Hills Bancorp, Inc. produced 145.37M in operating cash flow over the past twelve months. After subtracting -9.60M in capital expenditures, free cash flow totaled 135.77M - equivalent to 3.08 per share.
| Operating Cash Flow | 145.37M |
| Capital Expenditures | -9.60M |
| Free Cash Flow | 135.77M |
| FCF Per Share | 3.08 |
Margins
Berkshire Hills Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 34.00 |
| Profit Margin | 25.53 |
| EBITDA Margin | 2.41 |
Dividends & Yields
The company's payout ratio of 28.33 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.73 |
| Dividend Yield | N/A |
| Payout Ratio | 28.33 |
| Shareholder Yield | -6.74 |
| FCF Yield | 13.94 |
Scores
Berkshire Hills Bancorp, Inc. posts an Altman Z-Score of 0.10, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.10 |