Financial Overview

Latest Annual: 2024

Income Metrics

Revenue 383.8M
Net Income 61.0M 15.90%
EPS (Diluted) $1.43

Balance Sheet Metrics

Total Assets 12.3B
Total Liabilities 11.1B
Shareholders Equity 1.2B
Debt to Equity 9.51

Cash Flow Metrics

Operating Cash Flow 80.2M
Free Cash Flow 120.6M

Revenue & Profitability Trend

Berkshire Hills Income Statement From 2020 to 2024

Metric20242023202220212020
Revenue383.8M411.8M413.5M381.5M381.8M
Cost of Goods Sold-----
Gross Profit-----
Operating Expenses172.4M171.7M160.9M157.1M157.4M
Operating Income-----
Pre-tax Income79.5M78.3M113.8M149.0M-533.0M
Income Tax18.5M8.7M21.3M30.4M-19.9M
Net Income61.0M69.6M92.5M118.7M-533.0M
EPS (Diluted)$1.43$1.60$2.02$2.39-$10.60

Income Statement Trend

Berkshire Hills Balance Sheet From 2020 to 2024

Metric20242023202220212020
Assets
Current Assets-----
Non-Current Assets-----
Total Assets12.3B----
Liabilities
Current Liabilities-----
Non-Current Liabilities-----
Total Liabilities11.1B----
Equity
Total Shareholders Equity1.2B1.0B954.1M1.2B1.2B

Balance Sheet Composition

Berkshire Hills Cash Flow Statement From 2020 to 2024

Metric20242023202220212020
Operating Activities
Net Income61.0M69.6M92.5M118.7M-513.2M
Operating Cash Flow80.2M109.5M107.3M152.5M-516.1M
Investing Activities
Capital Expenditures-4.6M-1.8M-1.5M-1.6M-7.2M
Investing Cash Flow86.1M432.1M261.3M-729.3M-451.2M
Financing Activities
Dividends Paid-30.9M-31.7M-24.5M-24.6M-36.6M
Financing Cash Flow-8.2M339.1M-50.9M-503.4M-391.0M
Free Cash Flow120.6M155.3M109.2M83.2M220.4M

Cash Flow Trend

Berkshire Hills Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 10.79
Forward P/E 10.97
Price to Book 1.01
Price to Sales 2.85
PEG Ratio 10.97

Profitability Ratios

Profit Margin 24.78%
Operating Margin 37.91%
Return on Equity 9.69%
Return on Assets 0.89%

Financial Health

Debt to Equity 0.62
Beta 0.62

Per Share Data

EPS (TTM) $2.46
Book Value per Share $26.19
Revenue per Share $9.98

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
bhlb1.2B10.791.019.69%24.78%0.62
PNC Financial 70.3B12.561.3911.33%28.75%1.12
U.S. Bancorp 69.7B11.081.3111.53%26.38%1.34
Enterprise Financial 2.1B11.301.1810.82%31.46%0.34
OFG Bancorp 2.0B10.671.5515.46%31.15%0.21

Financial data is updated regularly. All figures are in the company's reporting currency.