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.
16.59%
0.97
28.73%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.12%
EBIT Growth (5y)
21.61%
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
83.79%
Pledged Shares
0
Institutional Holding
99.94%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
0.98
EV to EBIT
8.01
EV to EBITDA
6.67
EV to Capital Employed
0.96
EV to Sales
1.16
PEG Ratio
NA
Dividend Yield
180.21%
ROCE (Latest)
11.96%
ROE (Latest)
4.74%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend35What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 186.85 MM
NET SALES(Q)
At USD 292.38 MM has Grown at 41.16%
PRE-TAX PROFIT(Q)
At USD 78.98 MM has Grown at 119.91%
NET PROFIT(Q)
At USD 55.34 MM has Grown at 87.25%
DIVIDEND PAYOUT RATIO(Y)
Highest at 58.55%
CASH AND EQV(HY)
Highest at USD 387.25 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 97.99%
-6What is not working for the Company
GROSS NPA (%)
(Q
INTEREST(9M)
At USD 298.01 MM has Grown at 43.09%
Here's what is working for Berkshire Hills Bancorp, Inc.
Net Sales
At USD 292.38 MM has Grown at 41.16%
over average net sales of the previous four periods of USD 207.14 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 78.98 MM has Grown at 119.91%
over average net sales of the previous four periods of USD 35.91 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 55.34 MM has Grown at 87.25%
over average net sales of the previous four periods of USD 29.56 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 186.85 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Cash and Eqv
Highest at USD 387.25 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)
Credit Deposit Ratio
Highest at 97.99%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 58.55%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Berkshire Hills Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.83% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Interest
At USD 298.01 MM has Grown at 43.09%
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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