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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
08/28/2025: 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 -25.77% | Avg. Invested days 27 | 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 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 |
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. Initially focused on serving the local community, it expanded through acquisitions and organic growth to become a regional bank with branches in multiple states.
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 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
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
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
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.
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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