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Upturn AI SWOT - About
BHLB 
Berkshire Hills Bancorp Inc (BHLB)
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Upturn Advisory Summary
09/04/2025: 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.
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 -25.21% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.20B USD | Price to earnings Ratio 10.21 | 1Y Target Price 31.66 |
Price to earnings Ratio 10.21 | 1Y Target Price 31.66 | ||
Volume (30-day avg) 5 | Beta 0.66 | 52 Weeks Range 21.97 - 31.72 | Updated Date 09/16/2025 |
52 Weeks Range 21.97 - 31.72 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.74% | 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 25.8% | Operating Margin (TTM) 41.76% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 10.13% |
Valuation
Trailing PE 10.21 | Forward PE 8.2 | Enterprise Value 1038317696 | Price to Sales(TTM) 5.02 |
Enterprise Value 1038317696 | Price to Sales(TTM) 5.02 | ||
Enterprise Value to Revenue 6.35 | Enterprise Value to EBITDA - | Shares Outstanding 46389900 | Shares Floating 45188367 |
Shares Outstanding 46389900 | Shares Floating 45188367 | ||
Percent Insiders 0.97 | Percent Institutions 98.62 |
Upturn AI SWOT
Berkshire Hills Bancorp Inc
Company Overview
History and Background
Berkshire Hills Bancorp, Inc. was founded in 1846 as the Berkshire County Savings Bank in Pittsfield, Massachusetts. It has grown through organic expansion and acquisitions to become a regional bank holding company.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including commercial real estate financing, business loans, and lines of credit.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and wealth management services to individuals and families.
- Insurance: Provides insurance services to individuals and business.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical of a regional bank holding company, with various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. The company's market share within the commercial real estate lending market in its operating region is approximately 3-5% (estimated). Competitors include larger national banks like Bank of America (BAC) and regional players like M&T Bank (MTB).
- Residential Mortgages: Offers mortgage loans for residential properties. The company's market share within the mortgage market in its operating region is approximately 1-3% (estimated). Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and competition from fintech companies.
Positioning
Berkshire Hills Bancorp is positioned as a regional bank focused on providing personalized service to its customers.
Total Addressable Market (TAM)
The TAM for banking services in Berkshire's operating region is estimated at $50 billion. Berkshire Hills Bancorp has a small single digit percentage market share positioning them to be able to grow if they can capture additional market share.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on traditional banking model
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Acquisition of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- BAC
- C
- USB
Competitive Landscape
Berkshire Hills Bancorp faces competition from larger national banks and smaller regional players. Its advantage lies in its local market knowledge and customer relationships, but it is disadvantaged by its smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Historically, Berkshire Hills Bancorp has grown through acquisitions and organic expansion.
Future Projections: Analyst estimates for future growth are unavailable without live data access, but industry forecasts suggest moderate growth for regional banks.
Recent Initiatives: Recent initiatives may include investments in digital banking platforms and branch optimization.
Summary
Berkshire Hills Bancorp is a regional bank with a strong local presence, but it faces challenges from larger competitors and the evolving banking landscape. It is working to stay competitive with the adoption of digital banking. Growth opportunities include expansion into new markets, but must consider larger banks and Fintechs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Industry analysis
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate.
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 1158 | Website https://www.berkshirebank.com |
Full time employees 1158 | 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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