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Berkshire Hills Bancorp Inc (BHLB)

Upturn stock ratingUpturn stock rating
$26.3
Last Close (24-hour delay)
Profit since last BUY-0.79%
upturn advisory
Consider higher Upturn Star rating
BUY since 2 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/28/2025: BHLB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$31.66 Target price
52w Low $21.97
Current$26.3
52w High $31.72

Analysis of Past Performance

Type Stock
Historic Profit -25.77%
Avg. Invested days 27
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.22B USD
Price to earnings Ratio 10.27
1Y Target Price 31.66
Price to earnings Ratio 10.27
1Y Target Price 31.66
Volume (30-day avg) 5
Beta 0.66
52 Weeks Range 21.97 - 31.72
Updated Date 08/28/2025
52 Weeks Range 21.97 - 31.72
Updated Date 08/28/2025
Dividends yield (FY) 2.72%
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 10.27
Forward PE 10.5
Enterprise Value 1034203840
Price to Sales(TTM) 2.78
Enterprise Value 1034203840
Price to Sales(TTM) 2.78
Enterprise Value to Revenue 4.07
Enterprise Value to EBITDA -
Shares Outstanding 46389900
Shares Floating 45188367
Shares Outstanding 46389900
Shares Floating 45188367
Percent Insiders 0.97
Percent Institutions 98.57

ai summary icon Upturn AI SWOT

Berkshire Hills Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Berkshire Hills Bancorp Inc. was founded in 1846 as the Berkshire County Savings Bank in Pittsfield, Massachusetts. Initially focused on serving the local community, it expanded through acquisitions and organic growth to become a regional bank with branches in multiple states.

business area logo Core Business Areas

  • Commercial Banking: Provides lending, deposit, and treasury management services to businesses of various sizes.
  • Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, and personal loans.
  • Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.

leadership logo Leadership and Structure

Nitin J. Mhatre serves as the Chief Executive Officer. The organizational structure includes various departments overseeing commercial banking, retail banking, wealth management, finance, risk management, and technology, reporting to the CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is not readily available for Berkshire Hills specifically, but the commercial loan market is highly competitive. Competitors include larger national banks and other regional banks.
  • Residential Mortgages: Offers mortgages to individuals for purchasing homes. Market share data is not readily available at the Berkshire Hills level. Competitors include national mortgage lenders and other regional banks.
  • Deposit Accounts: Provides checking, savings, and money market accounts. Competitors include large national banks and online banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges and opportunities including interest rate volatility, increased competition from fintech companies, and evolving regulatory landscape. The industry is consolidating with ongoing mergers and acquisitions.

Positioning

Berkshire Hills is positioned as a regional bank focusing on community banking and relationship building. Its competitive advantages include local market knowledge and personalized service. However, it faces competition from larger banks with more resources.

Total Addressable Market (TAM)

The TAM for banking services in the regions Berkshire Hills operates is in the tens of billions of dollars. Berkshire Hills' positioning allows it to capture a portion of this TAM through its community focus, but it's competing with much larger institutions for market share.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Experienced management team
  • Established customer relationships
  • Diversified revenue streams

Weaknesses

  • Smaller scale compared to national banks
  • Limited geographic reach
  • Higher cost structure compared to online banks
  • Dependence on interest rate spreads

Opportunities

  • Expansion into new markets
  • Investment in technology
  • Strategic acquisitions
  • Increased demand for wealth management services

Threats

  • Increased competition from fintech companies
  • Rising interest rates
  • Economic downturn
  • Increased regulatory scrutiny

Competitors and Market Share

competitor logo Key Competitors

  • ALLY
  • HBAN
  • KEY

Competitive Landscape

Berkshire Hills faces competition from larger national banks with more resources and smaller community banks with local expertise. Its success depends on its ability to differentiate itself through personalized service and local market knowledge.

Major Acquisitions

SI Financial Group, Inc.

  • Year: 2019
  • Acquisition Price (USD millions): 326
  • Strategic Rationale: Expanded Berkshire Hills' presence in Connecticut.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been driven by organic growth and acquisitions.

Future Projections: Future growth projections depend on economic conditions, competition, and the company's ability to execute its strategic plans.

Recent Initiatives: Recent strategic initiatives include investments in technology and expansion into new markets.

Summary

Berkshire Hills Bancorp is a regional bank facing both opportunities and challenges. Its strong local market knowledge and customer relationships are valuable assets, but its smaller size and competition from larger institutions create obstacles. Investments in technology and strategic acquisitions are crucial for future growth. Berkshire Hills needs to focus on cost efficiency and adapt to the changing banking landscape.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Third-party Financial Data Providers (e.g., Yahoo Finance, Bloomberg)

Disclaimers:

This analysis is based on available information and is for informational purposes only. It is not financial advice. Market share data may not be precise due to limited availability of information. Financial metrics provided are estimates. AI rating is for guidance only.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1158

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.