ScoreWhy is Berkshire Hills Bancorp, Inc. ?
1
Weak Long Term Fundamental Strength with a 14.94% CAGR growth in Net Profits
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Below par performance in long term as well as near term
- Along with generating -11.76% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Berkshire Hills Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Berkshire Hills Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Berkshire Hills Bancorp, Inc.
9.97%
0.97
28.73%
S&P 500
17.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.12%
EBIT Growth (5y)
22.03%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
83.74%
Pledged Shares
0
Institutional Holding
92.16%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.66
EV to EBIT
12.97
EV to EBITDA
12.01
EV to Capital Employed
1.86
EV to Sales
2.86
PEG Ratio
0.06
Dividend Yield
117.42%
ROCE (Latest)
14.31%
ROE (Latest)
9.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
NII(Q)
Highest at USD 199.74 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 50.69%
CASH AND EQV(HY)
Highest at USD 383.81 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 312.58 MM
OPERATING PROFIT(Q)
Highest at USD 89.61 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.67 %
PRE-TAX PROFIT(Q)
Highest at USD 89.61 MM
NET PROFIT(Q)
Highest at USD 63.6 MM
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 55 MM
INTEREST(9M)
At USD 255.94 MM has Grown at 28.95%
GROSS NPA (%)
(Q
Here's what is working for Berkshire Hills Bancorp, Inc.
Net Sales
At USD 312.58 MM has Grown at 87.59%
over average net sales of the previous four periods of USD 166.63 MMMOJO Watch
Near term sales trend is extremely positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 89.61 MM has Grown at 311.05%
over average net sales of the previous four periods of USD 21.8 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 63.6 MM has Grown at 221.54%
over average net sales of the previous four periods of USD 19.78 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 199.74 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 312.58 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 89.61 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 28.67 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 89.61 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 63.6 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 383.81 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 50.69%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 8.78 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 8.78 MM has Grown at 29.65%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Berkshire Hills Bancorp, Inc.
Operating Cash Flow
Lowest at USD 55 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.63%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Interest
At USD 255.94 MM has Grown at 28.95%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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