NYSE /
Sector: Financial Services
/
Sub-Sector: Savings & Cooperative Banks
/
Stock Type: Cyclical
# of Employee: 1,221
/
Fiscal Year End: 2016-12-31
/
Stock Type: Small Core
USD
/
Exchange Rate: 1
at
2016-11-22
/
Estimation: $Confidential
/
/ $
Berkshire Hills Bancorp Inc is a holding company for Berkshire Bank and Berkshire Insurance Group. It offers deposit, lending, investment, wealth management, and insurance services.
NYCB |
PBCT |
ISBC |
WAFD |
CFFN |
NWBI |
PFS |
AF |
FBC |
BOFI |
KRNY |
EBSB |
UBNK |
CASH |
FFIC |
HMST |
DCOM |
OCFC |
HONE |
LOB |
WSBF |
FDEF |
BKMU |
MSBF |
Finance Highlights
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 12.10% | 23.90% | 3.6 | 29.6 | 18.00% | 8.70% | 8.70% | 0.136 | .906 |
| 2007-12-25 | Annual | 8.90% | 18.40% | 3.1 | 34.9 | 14.60% | 8.60% | 8.60% | 0.149 | .947 |
| 2008-12-25 | Annual | 10.20% | 15.30% | 3.9 | 37.8 | 52.50% | 8.20% | 8.20% | 0.181 | � |
| 2009-12-25 | Annual | 3.50% | 5.60% | 1.0 | 29.2 | 48.80% | -6.60% | -6.60% | 0.166 | � |
| 2010-12-25 | Annual | 12.20% | 18.80% | 3.4 | 27.9 | 53.50% | 5.50% | 5.50% | 0.156 | � |
| 2011-12-25 | Annual | 8.60% | 15.00% | 2.6 | 30.8 | 53.30% | 5.60% | 5.60% | 0.161 | � |
| 2012-12-25 | Annual | 7.10% | 11.10% | 2.1 | 29.9 | 59.40% | 7.80% | 7.80% | 0.144 | � |
| 2013-12-25 | Annual | 20.70% | 28.70% | 5.6 | 27.2 | 60.70% | 8.40% | 8.40% | 0.136 | � |
| 2014-12-25 | Annual | 8.70% | 12.90% | 2.5 | 28.5 | 59.60% | 7.00% | 7.00% | 0.122 | � |
| 2015-12-25 | Annual | 10.30% | 16.00% | 3.2 | 31.1 | 59.60% | 8.70% | 8.70% | 0.128 | � |
| 2016-12-25 | Annual | 9.80% | 16.60% | 3.4 | 35.1 | 61.00% | 9.10% | 9.10% | 0.135 | � |
| 2017-12-25 | Annual | 6.10% | 10.00% | 2.3 | 37.7 | 59.70% | 6.10% | 6.10% | 0.149 | � |
| 2018-12-25 | Annual | 14.90% | 22.10% | 5.0 | 33.6 | 61.90% | 10.10% | 10.10% | .146 | � |
Key Ratio Trend
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| Average | Annual | -17.44% | -20.21% | -13.16% | 5.07% | 0.00% | 1.82% | 1.82% | -2.01% | -0.00% |
| 2007-12-25 | Annual | -26.45% | -23.01% | -13.16% | 17.95% | -18.89% | -1.15% | -1.15% | 9.56% | 4.53% |
| 2008-12-25 | Annual | 14.61% | -16.85% | 24.75% | 8.51% | 259.59% | -4.65% | -4.65% | 21.48% | -100.00% |
| 2009-12-25 | Annual | -65.69% | -63.40% | -73.27% | -22.96% | -7.05% | -180.49% | -180.49% | -8.29% | 0.00% |
| 2010-12-25 | Annual | 248.57% | 235.71% | 229.07% | -4.25% | 9.63% | 183.33% | 183.33% | -6.02% | 0.00% |
| 2011-12-25 | Annual | -29.51% | -20.21% | -22.17% | 10.41% | -0.37% | 1.82% | 1.82% | 3.21% | 0.00% |
| 2012-12-25 | Annual | -17.44% | -26.00% | -19.86% | -3.06% | 11.44% | 39.29% | 39.29% | -10.56% | 0.00% |
| 2013-12-25 | Annual | 191.55% | 158.56% | 165.72% | -9.11% | 2.19% | 7.69% | 7.69% | -5.56% | 0.00% |
| 2014-12-25 | Annual | -57.97% | -55.05% | -55.70% | 5.07% | -1.81% | -16.67% | -16.67% | -10.29% | 0.00% |
| 2015-12-25 | Annual | 18.39% | 24.03% | 28.32% | 8.84% | 0.00% | 24.29% | 24.29% | 4.92% | 0.00% |
| 2016-12-25 | Annual | -4.85% | 3.75% | 7.35% | 12.94% | 2.35% | 4.60% | 4.60% | 5.47% | 0.00% |
| 2017-12-25 | Annual | -37.76% | -39.76% | -33.52% | 7.45% | -2.13% | -32.97% | -32.97% | 10.37% | 0.00% |
| 2018-12-25 | Annual | 144.26% | 121.00% | 119.80% | -10.89% | 3.69% | 65.57% | 65.57% | -2.01% | 0.00% |
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| 2006-12-25 | Annual | 130,099k | 106,679k | 57,811k | 11,263k | 11,263k | 8,730,k | 18.00% | 8.70% | 8.70% |
| 2007-12-25 | Annual | 157,767k | 134,693k | 68,019k | 13,535k | 13,535k | 9,370,k | 14.60% | 8.60% | 8.60% |
| 2008-12-25 | Annual | 272,141k | 129,170k | 57,471k | 22,244k | 22,244k | 10,791,k | 52.50% | 8.20% | 8.20% |
| 2009-12-25 | Annual | 243,050k | 124,451k | 45,880k | -16,067k | -16,067k | 13,189,k | 48.80% | -6.60% | -6.60% |
| 2010-12-25 | Annual | 251,542k | 117,059k | 35,330k | 13,738k | 13,738k | 13,896,k | 53.50% | 5.50% | 5.50% |
| 2011-12-25 | Annual | 316,386k | 147,792k | 31,740k | 17,581k | 17,581k | 17,952,k | 53.30% | 5.60% | 5.60% |
| 2012-12-25 | Annual | 427,439k | 173,357k | 32,551k | 33,188k | 33,188k | 22,329,k | 59.40% | 7.80% | 7.80% |
| 2013-12-25 | Annual | 488,957k | 192,348k | 34,989k | 41,143k | 41,143k | 24,965,k | 60.70% | 8.40% | 8.40% |
| 2014-12-25 | Annual | 481,273k | 194,337k | 28,351k | 33,744k | 33,744k | 24,854,k | 59.60% | 7.00% | 7.00% |
| 2015-12-25 | Annual | 569,455k | 230,010k | 33,181k | 49,518k | 49,518k | 28,564,k | 59.60% | 8.70% | 8.70% |
| 2016-12-25 | Annual | 644,408k | 251,474k | 48,172k | 58,670k | 58,670k | 31,167,k | 61.00% | 9.10% | 9.10% |
| 2017-12-25 | Annual | 906,431k | 365,173k | 65,463k | 55,247k | 55,247k | 39,695,k | 59.70% | 6.10% | 6.10% |
| 2018-12-25 | Annual | 1,049,375k | 400,052k | 111,825k | 105,765k | 105,765k | 46,231,k | 61.90% | 10.10% | 10.10% |
Income Statement Trend
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| Average | Annual | 15.77% | 9.55% | 2.56% | 23.97% | 23.97% | 14.93% | 0.00% | 1.82% | 1.82% |
| 2007-12-25 | Annual | 21.27% | 26.26% | 17.66% | 20.17% | 20.17% | 7.33% | -18.89% | -1.15% | -1.15% |
| 2008-12-25 | Annual | 72.50% | -4.10% | -15.51% | 64.34% | 64.34% | 15.17% | 259.59% | -4.65% | -4.65% |
| 2009-12-25 | Annual | -10.69% | -3.65% | -20.17% | -172.23% | -172.23% | 22.22% | -7.05% | -180.49% | -180.49% |
| 2010-12-25 | Annual | 3.49% | -5.94% | -22.99% | 185.50% | 185.50% | 5.36% | 9.63% | 183.33% | 183.33% |
| 2011-12-25 | Annual | 25.78% | 26.25% | -10.16% | 27.97% | 27.97% | 29.19% | -0.37% | 1.82% | 1.82% |
| 2012-12-25 | Annual | 35.10% | 17.30% | 2.56% | 88.77% | 88.77% | 24.38% | 11.44% | 39.29% | 39.29% |
| 2013-12-25 | Annual | 14.39% | 10.95% | 7.49% | 23.97% | 23.97% | 11.81% | 2.19% | 7.69% | 7.69% |
| 2014-12-25 | Annual | -1.57% | 1.03% | -18.97% | -17.98% | -17.98% | -0.44% | -1.81% | -16.67% | -16.67% |
| 2015-12-25 | Annual | 18.32% | 18.36% | 17.04% | 46.75% | 46.75% | 14.93% | 0.00% | 24.29% | 24.29% |
| 2016-12-25 | Annual | 13.16% | 9.33% | 45.18% | 18.48% | 18.48% | 9.11% | 2.35% | 4.60% | 4.60% |
| 2017-12-25 | Annual | 40.66% | 45.21% | 35.89% | -5.83% | -5.83% | 27.36% | -2.13% | -32.97% | -32.97% |
| 2018-12-25 | Annual | 15.77% | 9.55% | 70.82% | 91.44% | 91.44% | 16.47% | 3.69% | 65.57% | 65.57% |
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 258,161k | 2,149,642k | 1,891,481k | 1,679,617k | 1,521,938k | 369,543k | 0.136 | .906 |
| 2007-12-25 | Annual | 326,837k | 2,513,432k | 2,186,595k | 1,925,344k | 1,822,563k | 364,032k | 0.149 | .947 |
| 2008-12-25 | Annual | 408,425k | 2,666,729k | 2,258,304k | 0.0 | 0.0 | 2,258,304k | 0.181 | � |
| 2009-12-25 | Annual | 384,581k | 2,700,424k | 2,315,843k | 0.0 | 0.0 | 2,315,843k | 0.166 | � |
| 2010-12-25 | Annual | 387,960k | 2,880,716k | 2,492,756k | 0.0 | 0.0 | 2,492,756k | 0.156 | � |
| 2011-12-25 | Annual | 553,365k | 3,991,204k | 3,437,839k | 0.0 | 0.0 | 3,437,839k | 0.161 | � |
| 2012-12-25 | Annual | 667,265k | 5,296,809k | 4,629,544k | 0.0 | 0.0 | 4,629,544k | 0.144 | � |
| 2013-12-25 | Annual | 678,062k | 5,672,799k | 4,994,737k | 0.0 | 0.0 | 4,994,737k | 0.136 | � |
| 2014-12-25 | Annual | 709,287k | 6,502,031k | 5,792,744k | 0.0 | 0.0 | 5,792,744k | 0.122 | � |
| 2015-12-25 | Annual | 887,189k | 7,831,915k | 6,944,726k | 0.0 | 0.0 | 6,944,726k | 0.128 | � |
| 2016-12-25 | Annual | 1,093,298k | 9,162,542k | 8,069,244k | 0.0 | 0.0 | 8,069,244k | 0.135 | � |
| 2017-12-25 | Annual | 1,496,264k | 11,570,751k | 10,074,487k | 0.0 | 0.0 | 10,074,487k | 0.149 | � |
| 2018-12-25 | Annual | 1,552,918k | 12,212,231k | 10,659,313k | 0.0 | 0.0 | 10,659,313k | .146 | � |
Balance Sheet Trend
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| Average | Annual | 20.58% | 14.62% | 15.60% | -0.00% | -0.00% | 15.98% | -2.01% | -0.00% |
| 2007-12-25 | Annual | 26.60% | 16.92% | 15.60% | 14.63% | 19.75% | -1.49% | 9.56% | 4.53% |
| 2008-12-25 | Annual | 24.96% | 6.10% | 3.28% | -100.00% | -100.00% | 520.36% | 21.48% | -100.00% |
| 2009-12-25 | Annual | -5.84% | 1.26% | 2.55% | 0.00% | 0.00% | 2.55% | -8.29% | 0.00% |
| 2010-12-25 | Annual | 0.88% | 6.68% | 7.64% | 0.00% | 0.00% | 7.64% | -6.02% | 0.00% |
| 2011-12-25 | Annual | 42.63% | 38.55% | 37.91% | 0.00% | 0.00% | 37.91% | 3.21% | 0.00% |
| 2012-12-25 | Annual | 20.58% | 32.71% | 34.66% | 0.00% | 0.00% | 34.66% | -10.56% | 0.00% |
| 2013-12-25 | Annual | 1.62% | 7.10% | 7.89% | 0.00% | 0.00% | 7.89% | -5.56% | 0.00% |
| 2014-12-25 | Annual | 4.61% | 14.62% | 15.98% | 0.00% | 0.00% | 15.98% | -10.29% | 0.00% |
| 2015-12-25 | Annual | 25.08% | 20.45% | 19.89% | 0.00% | 0.00% | 19.89% | 4.92% | 0.00% |
| 2016-12-25 | Annual | 23.23% | 16.99% | 16.19% | 0.00% | 0.00% | 16.19% | 5.47% | 0.00% |
| 2017-12-25 | Annual | 36.86% | 26.28% | 24.85% | 0.00% | 0.00% | 24.85% | 10.37% | 0.00% |
| 2018-12-25 | Annual | 3.79% | 5.54% | 5.81% | 0.00% | 0.00% | 5.81% | -2.01% | 0.00% |
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| 2006-12-25 | Annual | 25,020k | -6,095k | 31,115k | -122,162k | 97,040k |
| 2007-12-25 | Annual | 23,431k | -5,571k | 29,002k | 9,301k | -22,575k |
| 2008-12-25 | Annual | 39,190k | -2,477k | 41,667k | -139,280k | 103,746k |
| 2009-12-25 | Annual | 13,610k | 0.0 | 13,610k | -97,502k | 71,702k |
| 2010-12-25 | Annual | 42,175k | -5,020k | 47,195k | -193,876k | 163,233k |
| 2011-12-25 | Annual | 40,169k | -7,270k | 47,439k | -34,087k | 25,560k |
| 2012-12-25 | Annual | 28,654k | -18,630k | 47,284k | -255,523k | 249,331k |
| 2013-12-25 | Annual | 127,411k | -13,103k | 140,514k | -515,194k | 365,078k |
| 2014-12-25 | Annual | 55,823k | -6,136k | 61,959k | -369,304k | 309,696k |
| 2015-12-25 | Annual | 86,288k | -5,079k | 91,367k | -454,492k | 400,012k |
| 2016-12-25 | Annual | 98,142k | -8,875k | 107,017k | -207,595k | 118,966k |
| 2017-12-25 | Annual | 78,091k | -12,528k | 90,619k | -282,903k | 340,500k |
| 2018-12-25 | Annual | 222,254k | -9,726k | 231,980k | -861,517k | 573,689k |
Cash Flow Trend
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| Average | Annual | -4.76% | 8.60% | 0.52% | -36.28% | 29.16% |
| 2007-12-25 | Annual | -6.35% | 8.60% | -6.79% | 107.61% | -123.26% |
| 2008-12-25 | Annual | 67.26% | 55.54% | 43.67% | -1,597.47% | 559.56% |
| 2009-12-25 | Annual | -65.27% | 100.00% | -67.34% | 30.00% | -30.89% |
| 2010-12-25 | Annual | 209.88% | 0.00% | 246.77% | -98.84% | 127.65% |
| 2011-12-25 | Annual | -4.76% | -44.82% | 0.52% | 82.42% | -84.34% |
| 2012-12-25 | Annual | -28.67% | -156.26% | -0.33% | -649.62% | 875.47% |
| 2013-12-25 | Annual | 344.65% | 29.67% | 197.17% | -101.62% | 46.42% |
| 2014-12-25 | Annual | -56.19% | 53.17% | -55.91% | 28.32% | -15.17% |
| 2015-12-25 | Annual | 54.57% | 17.23% | 47.46% | -23.07% | 29.16% |
| 2016-12-25 | Annual | 13.74% | -74.74% | 17.13% | 54.32% | -70.26% |
| 2017-12-25 | Annual | -20.43% | -41.16% | -15.32% | -36.28% | 186.22% |
| 2018-12-25 | Annual | 184.61% | 22.37% | 155.99% | -204.53% | 68.48% |
Finance Detail
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Note