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Upturn AI SWOT - About
BHLB 
Berkshire Hills Bancorp Inc (BHLB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/02/2025: BHLB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $31.66
1 Year Target Price $31.66
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.07% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.21B USD | Price to earnings Ratio 10.18 | 1Y Target Price 31.66 |
Price to earnings Ratio 10.18 | 1Y Target Price 31.66 | ||
Volume (30-day avg) 5 | Beta 0.62 | 52 Weeks Range 21.47 - 31.94 | Updated Date 07/2/2025 |
52 Weeks Range 21.47 - 31.94 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 2.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.78% | Operating Margin (TTM) 37.91% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 9.69% |
Valuation
Trailing PE 10.18 | Forward PE 9.82 | Enterprise Value 1051472256 | Price to Sales(TTM) 2.8 |
Enterprise Value 1051472256 | Price to Sales(TTM) 2.8 | ||
Enterprise Value to Revenue 4.2 | Enterprise Value to EBITDA - | Shares Outstanding 46312000 | Shares Floating 45099891 |
Shares Outstanding 46312000 | Shares Floating 45099891 | ||
Percent Insiders 0.97 | Percent Institutions 95.25 |
Upturn AI SWOT
Berkshire Hills Bancorp Inc
Company Overview
History and Background
Berkshire Hills Bancorp Inc. traces its roots back to the 1846 founding of the Berkshire County Savings Bank in Pittsfield, Massachusetts. Over time, through organic growth and strategic acquisitions, it transformed into a multi-state regional bank holding company.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate financing, business loans, and treasury management services.
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, mortgages, personal loans, and investment products.
- Wealth Management: Provides wealth management and advisory services, including financial planning, investment management, and trust services.
Leadership and Structure
The leadership team is headed by Nitin J. Mhatre, the Chief Executive Officer. The organizational structure consists of various departments, including retail banking, commercial banking, wealth management, and corporate support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans are a significant component of Berkshire Hills' loan portfolio, focused on financing commercial properties. Market share data is difficult to pinpoint exactly but is regional. Competitors include larger national and regional banks like Bank of America, Citizens Financial Group, and KeyCorp, along with local credit unions.
- Residential Mortgages: Mortgages are offered to individuals for home purchases and refinancing. Market share is competitive within its geographic footprint. Competitors include national mortgage lenders like Rocket Mortgage, Wells Fargo, and local banks.
- Business Banking: Banking solutions to small businesses and large corporations within their service areas. Competition is very high. Competitors include large banks and a rising number of online Fintech options.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex landscape influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Increasing competition from fintech companies also adds to the complexity.
Positioning
Berkshire Hills Bancorp Inc. positions itself as a community-focused regional bank with a strong emphasis on relationship banking. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for regional banking services is estimated to be in the hundreds of billions of dollars. Berkshire Hills Bancorp Inc. has a limited, yet strategic positioning within this market, concentrated in the Northeast and Mid-Atlantic regions.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified revenue streams
- Solid capital position
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Smaller scale compared to larger competitors
Opportunities
- Expansion into new markets
- Investment in digital banking technology
- Strategic acquisitions
- Increased focus on wealth management
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- ALLY
- FCNCA
- CMA
- MTB
- PBCT
Competitive Landscape
Berkshire Hills Bancorp Inc. competes with a mix of national and regional banks, as well as credit unions and fintech companies. Its competitive advantage is its community focus and personalized service, but it faces challenges from larger institutions with greater resources.
Major Acquisitions
SI Financial Group
- Year: 2019
- Acquisition Price (USD millions): 326
- Strategic Rationale: Expanded Berkshire Hills' presence in Connecticut and strengthened its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Growth has been achieved through a combination of organic expansion and acquisitions. A slow growth rate is seen over the recent years.
Future Projections: Future growth projections from analyst estimates vary based on economic outlook and company-specific strategies.
Recent Initiatives: Recent initiatives have focused on improving operational efficiency, expanding digital banking capabilities, and enhancing the customer experience.
Summary
Berkshire Hills Bancorp Inc. is a regional bank with a community focus that has both strengths and weaknesses. Its strengths are offset by its relatively small scale. The increase in competition from fintech companies is its biggest threat. The company should focus on improving its digital banking technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (FactSet, S&P Capital IQ)
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Berkshire Hills Bancorp Inc
Exchange NYSE | Headquaters Boston, MA, United States | ||
IPO Launch date 2000-06-28 | President, CEO & Director Mr. Nitin J. Mhatre | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1186 | Website https://www.berkshirebank.com |
Full time employees 1186 | Website https://www.berkshirebank.com | ||
Berkshire Hills Bancorp, Inc. operates as the bank holding company for Berkshire Bank that provides commercial and retail banking consumer lending, private banking and wealth management services in the United States. The company provides various deposit accounts, including demand deposit, interest-bearing checking, regular savings, money market savings, time certificates of deposit, and retirement deposit accounts. It offers loans, such as commercial real estate, commercial and industrial, residential mortgage, and consumer loans, as well as residential mortgages and commercial loan participations; and revolving loans, lines of credit, letters of credit, time notes and SBA guaranteed loans. In addition, the company provides wealth management services comprising consultative investment management, trust administration, tax return preparation, and financial planning; and investment products and brokerage services. Further, it offers commercial cash management; online banking and mobile banking; overdraft program; and debit cards and other electronic fee producing payment services to transaction account customers, as well as operates commercial payment processing business. It serves its products to personal, commercial, non-profit, and municipal deposit customers. Berkshire Hills Bancorp, Inc. was founded in 1846 and is headquartered in Boston, Massachusetts.
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