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 -16.38% 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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Berkshire Hills Bancorp, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Berkshire Hills Bancorp, Inc.
-16.38%
0.75
28.40%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.87%
EBIT Growth (5y)
16.02%
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
50.47%
Pledged Shares
0
Institutional Holding
98.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.04
EV to EBIT
8.47
EV to EBITDA
7.76
EV to Capital Employed
1.04
EV to Sales
1.69
PEG Ratio
0.05
Dividend Yield
255.38%
ROCE (Latest)
12.33%
ROE (Latest)
9.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
NET PROFIT(HY)
At USD 59 MM has Grown at 724.19%
ROCE(HY)
Highest at 0.93%
OPERATING PROFIT(Q)
Highest at USD 43.02 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.4 %
NII(Q)
Highest at USD 91.92 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 0.93%
GROSS NPA (%)
(Q
Here's what is working for Berkshire Hills Bancorp, Inc.
Net Profit
At USD 59 MM has Grown at 724.19%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 43.02 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 28.4 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
NII
Highest at USD 91.92 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
CASA
Highest at 13.6%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Berkshire Hills Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.27%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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