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Upturn AI SWOT - About
Berkshire Hills Bancorp Inc (BHLB)
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Upturn Advisory Summary
05/20/2025: BHLB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.72% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 05/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.22B USD | Price to earnings Ratio 10.72 | 1Y Target Price 32.1 |
Price to earnings Ratio 10.72 | 1Y Target Price 32.1 | ||
Volume (30-day avg) 533242 | Beta 0.54 | 52 Weeks Range 20.07 - 31.94 | Updated Date 05/19/2025 |
52 Weeks Range 20.07 - 31.94 | Updated Date 05/19/2025 | ||
Dividends yield (FY) 2.71% | Basic EPS (TTM) 2.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-04-24 | When Before Market | Estimate 0.525 | Actual 0.6 |
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 10.72 | Forward PE 10.53 | Enterprise Value 1119463936 | Price to Sales(TTM) 2.83 |
Enterprise Value 1119463936 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 46312000 | Shares Floating 45098522 |
Shares Outstanding 46312000 | Shares Floating 45098522 | ||
Percent Insiders 0.97 | Percent Institutions 95.06 |
Analyst Ratings
Rating 4 | Target Price 32.1 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Berkshire Hills Bancorp Inc
Company Overview
History and Background
Berkshire Hills Bancorp, Inc., formerly known as Berkshire Bancorp, Inc., was founded in 1846 as the Berkshire County Savings Bank. It has grown through acquisitions and organic expansion, transforming from a local savings bank into a regional financial services company.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses.
- Retail Banking: Offers a range of deposit accounts, loans, and other financial services to individual customers.
- Wealth Management: Provides investment advisory, trust, and insurance services.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure includes business lines reporting to the CEO, with support functions providing centralized services.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share information is difficult to obtain specifically for Berkshire Hills but it competes with larger national and regional players. Competitors include Bank of America (BAC) and M&T Bank (MTB).
- Mortgage Loans: Loans to individuals for purchasing homes. Market share information is difficult to obtain specifically for Berkshire Hills but it competes with larger national and regional players. Competitors include Rocket Companies (RKT) and UWM Holdings Corporation (UWMC).
- Deposit Accounts: Checking, savings, and money market accounts. Market share information is difficult to obtain specifically for Berkshire Hills but it competes with larger national and regional players. Competitors include JPMorgan Chase & Co. (JPM) and Wells Fargo & Company (WFC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by interest rate fluctuations, increasing competition from fintech companies, and evolving regulatory requirements.
Positioning
Berkshire Hills Bancorp Inc. is positioned as a regional bank focused on community banking and personalized service. It competes with both larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services is significant and constantly evolving. Berkshire Hills' position relative to the TAM is as a regional player focusing on specific geographies and customer segments.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified product offerings
- Experienced management team
Weaknesses
- Smaller scale compared to national banks
- Limited geographic reach
- Higher operating costs per customer compared to fintechs
- Reliance on traditional banking model
Opportunities
- Expansion into new markets
- Adoption of digital technologies
- Strategic acquisitions
- Growing demand for wealth management services
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- CIT
- FCNCA
- WTNY
- BSVN
Competitive Landscape
Berkshire Hills competes with larger regional and national banks, as well as smaller community banks. Its advantages include a strong regional presence and personalized service, while its disadvantages include a smaller scale and limited geographic reach.
Major Acquisitions
SI Financial Group, Inc
- Year: 2019
- Acquisition Price (USD millions): 268
- Strategic Rationale: Expand Berkshire Hills' presence in Connecticut and increase its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Berkshire Hills has grown through acquisitions and organic expansion, with a focus on expanding its presence in the Northeastern United States.
Future Projections: Future growth is expected to be driven by continued expansion, adoption of new technologies, and a focus on customer service.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Berkshire Hills Bancorp is a regional bank with a solid presence and diversified offerings. While it faces competition from larger institutions and fintechs, its community focus and established customer relationships are strengths. To continue its growth, Berkshire Hills needs to invest in technology and carefully manage expenses.
Similar Companies
BSVN
Bank7 Corp
BSVN
Bank7 Corp
CATY
Cathay General Bancorp
CATY
Cathay General Bancorp
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Data Providers
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. The data provided is based on available information and may not be entirely accurate. Investment decisions should be made based on individual circumstances and after consulting with a qualified financial advisor.
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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