Berkshire Hills (BHLB) | Financial Analysis & Statements
Financial Overview
Latest Annual: 2024Income 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
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 383.8M | 411.8M | 413.5M | 381.5M | 381.8M |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 172.4M | 171.7M | 160.9M | 157.1M | 157.4M |
| Operating Income | - | - | - | - | - |
| Pre-tax Income | 79.5M | 78.3M | 113.8M | 149.0M | -533.0M |
| Income Tax | 18.5M | 8.7M | 21.3M | 30.4M | -19.9M |
| Net Income | 61.0M | 69.6M | 92.5M | 118.7M | -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
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | - | - | - | - | - |
| Non-Current Assets | - | - | - | - | - |
| Total Assets | 12.3B | - | - | - | - |
| Liabilities | |||||
| Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 11.1B | - | - | - | - |
| Equity | |||||
| Total Shareholders Equity | 1.2B | 1.0B | 954.1M | 1.2B | 1.2B |
Balance Sheet Composition
Berkshire Hills Cash Flow Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 61.0M | 69.6M | 92.5M | 118.7M | -513.2M |
| Operating Cash Flow | 80.2M | 109.5M | 107.3M | 152.5M | -516.1M |
| Investing Activities | |||||
| Capital Expenditures | -4.6M | -1.8M | -1.5M | -1.6M | -7.2M |
| Investing Cash Flow | 86.1M | 432.1M | 261.3M | -729.3M | -451.2M |
| Financing Activities | |||||
| Dividends Paid | -30.9M | -31.7M | -24.5M | -24.6M | -36.6M |
| Financing Cash Flow | -8.2M | 339.1M | -50.9M | -503.4M | -391.0M |
| Free Cash Flow | 120.6M | 155.3M | 109.2M | 83.2M | 220.4M |
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
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| bhlb | 1.2B | 10.79 | 1.01 | 9.69% | 24.78% | 0.62 |
| PNC Financial | 70.3B | 12.56 | 1.39 | 11.33% | 28.75% | 1.12 |
| U.S. Bancorp | 69.7B | 11.08 | 1.31 | 11.53% | 26.38% | 1.34 |
| Enterprise Financial | 2.1B | 11.30 | 1.18 | 10.82% | 31.46% | 0.34 |
| OFG Bancorp | 2.0B | 10.67 | 1.55 | 15.46% | 31.15% | 0.21 |
Financial data is updated regularly. All figures are in the company's reporting currency.