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Berkshire Hills Bancorp Financial Ratios 2025-2008 | BHLB
Brief overview of Berkshire Hills Bancorp's financial ratios
Current figures are compared with the company's own five-year history for 2019–2024.
The current valuation set is P/E 141.81x (median 14.71x), P/B 2.04x (median 1.38x), P/CF 23.69x (median 16.36x). The current ratio basket stands about 47% above the five-year base, increasing sensitivity to weak reports.
Current earnings relative to valuation equal about 0.7% on the 1/P/E measure. This is a valuation reference, not an expected payout.
The latest available business-quality ratios are ROE 2.1%, ROA 0.2%. Business quality is below comfortable levels on current returns. Better margins or turnover are needed.
Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.
What the ratios show
Berkshire Hills Bancorp combines weak profitability with valuation above its historical norm, leaving limited cushion.
Annual Financial Ratios Berkshire Hills Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
- | 141.8 | 25.4 | 14.3 | 12.9 | -1.8 | 14.7 | 12.1 | 26.7 | 18.8 | 15.9 | 18.2 | 15.1 | 16.1 | 23.3 | - | - | - |
P/S |
- | 22.6 | 23.8 | 3.2 | 3.5 | 2.6 | 3.2 | 2.7 | 3.5 | 3.7 | 2.9 | 2.7 | 2.7 | 2.7 | 2.9 | - | - | - |
EPS |
0.6 | 0.2 | 0.8 | 2.0 | 2.4 | -10.6 | 2.0 | 2.3 | 1.4 | 1.9 | 1.7 | 1.4 | 1.7 | 1.5 | 1.0 | 1.0 | -1.5 | - |
EV (Enterprise Value) |
18.7 B | 12.6 B | 13.2 B | 11.6 B | 10.3 B | 11.1 B | 12.3 B | 11.8 B | 11.3 B | 9.06 B | 7.63 B | 6.34 B | 5.54 B | 5.07 B | 3.77 B | 2.48 B | -13.9 M | -44.8 M |
EBITDA per Share |
0.12 | 0.09 | 0.1 | 0.21 | 0.22 | 0.25 | - | - | - | - | - | - | - | - | - | 0.28 | 0.29 | - |
EV/EBITDA |
1868.3 | 1578.3 | 1570.6 | 1213.2 | 1965.7 | -96.1 | - | - | - | - | - | - | - | - | - | 649.6 | -3.6 | - |
PEG |
- | - | - | - | - | 0.0 | -1.06 | 0.19 | -1.05 | 2.18 | 0.58 | -1.03 | 1.36 | 0.31 | -28.69 | - | - | - |
P/B |
- | 2.0 | 1.9 | 1.4 | 1.3 | 0.8 | 0.8 | 0.8 | 1.0 | 1.0 | 0.9 | 0.9 | 0.9 | 0.8 | 0.7 | - | - | - |
P/CF |
- | 23.7 | 16.4 | 11.9 | 18.0 | 4.3 | 14.2 | 6.0 | 22.5 | 12.4 | 10.0 | 13.0 | 5.4 | 54.8 | 12.7 | - | - | - |
ROE % |
2.14 | 1.44 | 6.26 | 9.33 | 10.04 | -44.88 | 5.54 | 6.81 | 3.69 | 5.37 | 5.58 | 4.76 | 6.07 | 4.97 | 3.18 | 3.58 | -4.15 | - |
ROA % |
0.23 | 0.15 | 0.60 | 0.79 | 1.03 | -4.15 | 0.74 | 0.87 | 0.48 | 0.64 | 0.63 | 0.52 | 0.73 | 0.63 | 0.44 | 0.48 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 | - | - |
DSO |
301.1 | 169.8 | 227.9 | 35.5 | 33.8 | 39.7 | 49.1 | 47.3 | 58.1 | 55.5 | 37.7 | 36.0 | 32.8 | - | - | - | - | - |
Operating Cycle |
301.1 | 169.8 | 227.9 | 35.5 | 33.8 | 39.7 | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
301.1 | 169.8 | 227.9 | 35.5 | 33.8 | 39.7 | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Berkshire Hills Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.77 | 0.55 | -0.57 | 0.66 | 0.56 | - | 0.23 | 0.57 | -0.47 | - | 0.45 | 0.55 | 0.63 | - | 0.42 | 0.5 | 0.42 | 0.42 | 1.32 | 0.43 | 0.26 | 0.3 | 0.42 | -10.93 | -0.4 | 0.51 | 0.44 | 0.52 | 0.51 | 0.31 | 0.7 | 0.74 | 0.55 | -0.06 | 0.57 | 0.53 | 0.44 | 0.32 | 0.53 | 0.52 | 0.52 | 0.53 | 0.49 | 0.35 | 0.35 | 0.46 | 0.48 | 0.46 | -0.04 | 0.43 | 0.33 | 0.49 | 0.42 | 0.39 | 0.46 | 0.37 | 0.28 | 0.4 | 0.22 | 0.11 | 0.2 |
EBITDA per Share |
0.1 | 0.1 | 0.04 | - | 0.02 | - | 0.02 | - | 0.03 | - | - | - | 0.03 | - | - | - | 0.03 | - | - | - | - | - | - | - | - | - | 0.03 | 0.03 | 0.05 | - | 0.17 | 0.11 | 0.05 | - | 0.19 | 0.13 | 0.07 | - | 0.2 | 0.14 | 0.07 | - | 0.22 | 0.15 | 0.08 | - | 0.25 | 0.16 | 0.08 | - | 0.22 | 0.15 | 0.07 | - | 0.21 | 0.13 | 0.07 | - | 0.17 | 0.13 | 0.08 |
ROE % |
4.79 | 4.40 | 4.19 | 8.64 | 4.16 | 2.01 | 4.07 | 4.88 | 5.28 | 7.28 | 9.27 | 9.49 | 8.89 | 6.11 | 7.82 | 11.25 | 10.81 | 10.68 | 10.23 | 6.61 | -41.48 | -44.88 | -44.67 | -45.18 | 2.52 | 5.54 | 5.00 | 5.78 | 6.53 | 6.81 | 5.70 | 5.16 | 4.28 | 3.69 | 4.83 | 4.79 | 4.94 | 5.37 | 6.23 | 6.39 | 6.06 | 5.58 | 5.38 | 5.42 | 5.90 | 4.76 | 4.70 | 4.21 | 4.37 | 6.07 | 5.91 | 6.22 | 5.64 | 4.97 | 5.11 | 4.40 | 3.54 | 3.18 | 0.79 | 0.34 | 0.51 |
ROA % |
0.53 | 0.45 | 0.42 | 0.84 | 0.42 | 0.20 | 0.36 | 0.39 | 0.42 | 0.58 | 0.75 | 0.79 | 0.76 | 0.53 | 0.71 | 1.08 | 1.06 | 1.05 | 0.99 | 0.62 | -3.84 | -4.15 | -4.07 | -4.07 | 0.40 | 0.74 | 0.66 | 0.75 | 0.84 | 0.87 | 0.73 | 0.66 | 0.55 | 0.48 | 0.61 | 0.60 | 0.60 | 0.64 | 0.73 | 0.74 | 0.70 | 0.63 | 0.60 | 0.60 | 0.65 | 0.52 | 0.53 | 0.49 | 0.52 | 0.73 | 0.72 | 0.76 | 0.70 | 0.63 | 0.66 | 0.58 | 0.48 | 0.44 | 0.11 | 0.05 | 0.07 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 |
DSO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.1 | 16.9 | - | - | 21.1 | 21.6 | - | - | 18.1 | 14.5 | - | - | 15.7 | 15.5 | - | - | 14.8 | 13.3 | - | - | 11.7 | 15.7 | - | - | 13.0 | 13.5 | - | - | 13.6 | 12.9 | - | - | 14.6 | 12.4 | - | - | 11.8 | 11.3 | - | - | 12.7 | 13.0 | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.1 | 16.9 | - | - | 21.1 | 21.6 | - | - | 18.1 | 14.5 | - | - | 15.7 | 15.5 | - | - | 14.8 | 13.3 | - | - | 11.7 | 15.7 | - | - | 13.0 | 13.5 | - | - | 13.6 | 12.9 | - | - | 14.6 | 12.4 | - | - | 11.8 | 11.3 | - | - | 12.7 | 13.0 | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.1 | 16.9 | - | - | 21.1 | 21.6 | - | - | 18.1 | 14.5 | - | - | 15.7 | 15.5 | - | - | 14.8 | 13.3 | - | - | 11.7 | 15.7 | - | - | 13.0 | 13.5 | - | - | 13.6 | 12.9 | - | - | 14.6 | 12.4 | - | - | 11.8 | 11.3 | - | - | 12.7 | 13.0 | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Berkshire Hills Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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