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Berkshire Hills Bancorp BHLB

Annual report 2025
added 03-02-2026

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Berkshire Hills Bancorp Financial Ratios 2011-2026 | BHLB

Annual Financial Ratios Berkshire Hills Bancorp

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

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

- 150.4 117.5 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

EV (Enterprise Value)

18.7 B 12.6 B 13.2 B 11.3 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

EBITDA per Share

0.12 0.09 0.09 0.21 0.22 0.25 - - - - - - - - -

EV/EBITDA

1965.7 -96.1 - - - - - - - - -

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 9.70 10.04 -44.88 5.54 6.81 3.69 5.37 5.58 4.76 6.07 4.97 3.18

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

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

DSO

- - 526.9 35.5 33.8 39.7 49.1 47.3 58.1 55.5 37.7 36.0 32.8 - -

Operating Cycle

- - 526.9 35.5 33.8 39.7 - - - - - - - - -

Cash Conversion Cycle

- - 526.9 35.5 33.8 39.7 - - - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios Berkshire Hills Bancorp

2025-Q3 2025-Q2 2024-Q4 2024-Q3 2024-Q2 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

-0.57 0.66 - 0.23 0.57 - 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

0.04 - - 0.02 - - - - 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 %

3.68 8.13 6.06 8.12 8.93 7.28 9.27 9.20 9.03 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 %

0.38 0.80 0.53 0.69 0.72 0.58 0.75 0.75 0.75 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 1.2 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.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
- -1.48 % $ 566 M usaUSA
Bar Harbor Bankshares Bar Harbor Bankshares
BHB
$ 32.0 - $ 485 M usaUSA
Signature Bank Signature Bank
SBNY
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American National Bankshares American National Bankshares
AMNB
- - $ 508 M usaUSA
Allegiance Bancshares Allegiance Bancshares
ABTX
- -0.86 % $ 1.51 B usaUSA
First Midwest Bancorp, Inc. First Midwest Bancorp, Inc.
FMBI
- -1.2 % $ 2.26 B usaUSA
Banco Santander (Brasil) S.A. Banco Santander (Brasil) S.A.
BSBR
$ 5.62 -2.85 % $ 20.8 B brasilBrasil
Atlantic Union Bankshares Corporation Atlantic Union Bankshares Corporation
AUB
$ 34.73 0.09 % $ 4.47 B usaUSA
Banner Corporation Banner Corporation
BANR
$ 59.58 1.0 % $ 2.05 B usaUSA
Citizens Holding Company Citizens Holding Company
CIZN
- -5.65 % $ 49.5 M usaUSA
BankFinancial Corporation BankFinancial Corporation
BFIN
- - $ 151 M usaUSA
Bank of South Carolina Corporation Bank of South Carolina Corporation
BKSC
- -0.41 % $ 66.6 M usaUSA
Kearny Financial Corp. Kearny Financial Corp.
KRNY
$ 7.32 0.14 % $ 458 M usaUSA
Cadence Bancorporation Cadence Bancorporation
CADE
- - $ 5.43 B usaUSA
Brookline Bancorp Brookline Bancorp
BRKL
- - $ 974 M usaUSA
Bogota Financial Corp. Bogota Financial Corp.
BSBK
$ 8.22 -1.88 % $ 105 M usaUSA
Byline Bancorp Byline Bancorp
BY
$ 31.07 0.42 % $ 1.39 B usaUSA
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
$ 14.12 -0.98 % $ 450 B argentinaArgentina
CBTX CBTX
CBTX
- 1.49 % $ 1.51 B usaUSA
Community Bank System Community Bank System
CBU
$ 57.31 0.12 % $ 3.02 B usaUSA
CNB Financial Corporation CNB Financial Corporation
CCNE
$ 28.21 0.14 % $ 694 M usaUSA
Coastal Financial Corporation Coastal Financial Corporation
CCB
$ 76.9 -0.3 % $ 1.16 B usaUSA
CrossFirst Bankshares CrossFirst Bankshares
CFB
- - $ 784 M usaUSA
First Capital First Capital
FCAP
$ 50.21 - $ 168 M usaUSA
FFBW FFBW
FFBW
- - $ 68.2 M usaUSA
Spirit of Texas Bancshares, Inc. Spirit of Texas Bancshares, Inc.
STXB
- -0.23 % $ 446 M usaUSA
People's United Financial, Inc. People's United Financial, Inc.
PBCT
- - $ 8.34 B usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
$ 75.01 - $ 243 M usaUSA
Capitol Federal Financial Capitol Federal Financial
CFFN
$ 7.12 -0.21 % $ 926 M usaUSA
Lakeland Financial Corporation Lakeland Financial Corporation
LKFN
$ 56.4 -0.69 % $ 1.45 B usaUSA
American River Bankshares American River Bankshares
AMRB
- 2.00 % $ 125 M usaUSA
Bank of Commerce Holdings Bank of Commerce Holdings
BOCH
- -1.56 % $ 254 M usaUSA
Customers Bancorp Customers Bancorp
CUBI
$ 65.88 -2.31 % $ 2.13 B usaUSA
Live Oak Bancshares Live Oak Bancshares
LOB
$ 32.56 -0.7 % $ 1.47 B usaUSA
CIT Group Inc. CIT Group Inc.
CIT
- -1.4 % $ 4.74 B usaUSA
HMN Financial HMN Financial
HMNF
- -2.13 % $ 122 M usaUSA
Columbia Financial Columbia Financial
CLBK
$ 17.53 - $ 1.78 B usaUSA
ACNB Corporation ACNB Corporation
ACNB
$ 46.21 -2.2 % $ 393 M usaUSA
ConnectOne Bancorp ConnectOne Bancorp
CNOB
$ 26.67 -0.19 % $ 1.21 B usaUSA
Enterprise Financial Services Corp Enterprise Financial Services Corp
EFSC
$ 54.17 -0.41 % $ 2 B usaUSA
Mercantile Bank Corporation Mercantile Bank Corporation
MBWM
$ 50.75 0.94 % $ 819 M usaUSA
Emclaire Financial Corp Emclaire Financial Corp
EMCF
- -4.21 % $ 86.4 M usaUSA
Axos Financial Axos Financial
AX
$ 82.26 -1.81 % $ 4.68 B usaUSA
Peoples Bancorp Peoples Bancorp
PEBO
$ 32.0 - $ 1.12 B usaUSA
Citizens & Northern Corporation Citizens & Northern Corporation
CZNC
$ 21.88 -1.04 % $ 349 M usaUSA
Mizuho Financial Group Mizuho Financial Group
MFG
$ 7.76 0.13 % $ 19.7 B japanJapan
Bryn Mawr Bank Corporation Bryn Mawr Bank Corporation
BMTC
- -1.52 % $ 888 M usaUSA
Boston Private Financial Holdings, Inc. Boston Private Financial Holdings, Inc.
BPFH
- 0.07 % $ 1.22 B usaUSA
Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México
BSMX
- 2.44 % $ 153 B mexicoMexico
BancorpSouth Bank BancorpSouth Bank
BXS
- -1.07 % $ 3.12 B usaUSA