BHLB - Intrinsic Value and Financial Analysis - Berkshire Hills Bancorp, Inc.

Berkshire Hills Bancorp, Inc. BHLB

Financial Services - Banks - Regional - NYSE - US

Watchlist

$ 30.6

-0.326 %

$ 1.32 B

Market Cap

32.55

P/E

BALANCE SHEET

12.4 B ASSETS

Growth Rates

1Year 6.58%

3Years -1.07%

5Years 0.36%

7Years 4.45%

10Years 8.16%

11.4 B LIABILITIES

Growth Rates

1Year 6.63%

3Years -0.67%

5Years 1.39%

7Years 5.08%

10Years 8.62%

1.01 B EQUITY

Growth Rates

1Year 6.10%

3Years -5.19%

5Years -8.20%

7Years -1.09%

10Years 4.09%

BALANCE SHEET DECOMPOSITION

Balance Sheet Decomposition Berkshire Hills Bancorp, Inc.

12.4 B ASSETS
11.4 B LIABILITIES

Current Assets	1.2 B
Cash & Short-Term Investments	1.2 B
Receivables	0
Other Current Assets	0
Non-Current Assets	11.2 B
Long-Term Investments	1.13 B
PP&E	116 M
Other Non-Current Assets	9.99 B

Current Liabilities	9.55 B
Accounts Payable	12.4 M
Short-Term Debt	271 M
Other Current Liabilities	9.27 B
Non-Current Liabilities	11.4 B
Long-Term Debt	308 M
Other Non-Current Liabilities	11.1 B

Balance Sheet

Millions

	Dec-2023	Dec-2022	Dec-2021	Dec-2020	Dec-2019	Dec-2018	Dec-2017	Dec-2016	Dec-2015	Dec-2014	Dec-2013	Dec-2012	Dec-2011	Dec-2010	Dec-2009	Dec-2008	Dec-2007	Dec-2006	Dec-2005	Dec-2004	Dec-2003	Dec-2002	Dec-2001	Dec-2000	Dec-1999
ASSETS
Cash & Cash Equivalents	1 203.2	145.3	109.3	91.2	105.4	101.0	91.1	71.5	72.9	54.2	56.8	63.4	46.7	24.6	25.8	44.8	41.1	31.0	31.1	15.2	15.6	17.3	22.7	26.9	23.3
Short Term Investments	0	1 963.2	3 396.0	3 161.9	1 781.9	1 481.9	1 583.7	1 251.1	1 185.1	1 109.4	778.7	501.0	28.6	19.5	6.8	18.2	219.0	194.2	0.1	0	0	0	0	0	0
Receivables	0	0	0	0	0	60.8	66.8	45.2	27.7	22.3	20.4	0	0	0	0	0	10.1	9.2	8.5	5.5	5.1	5.1	5.9	6.3	4.9
Inventory	0	(776.6)	(1 704.9)	(1 972.7)	(652.6)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Assets	0	0	0	0	0	7 961.6	7 152.6	5 668.7	4 787.4	3 781.2	3 619.1	3 808.6	3 106.9	2 222.6	2 049.6	2 064.1	1 975.4	1 724.8	1 449.3	869.4	828.8	739.2	977.4	959.5	795.1
Total Current Assets	1 203.2	2 189.8	3 569.5	3 340.8	1 947.6	9 605.3	8 894.3	7 036.5	6 073.1	4 967.1	4 475.1	4 367.1	3 210.9	2 286.3	2 082.2	2 108.9	2 026.6	1 765.0	1 488.9	890.1	849.5	761.6	1 005.9	992.7	823.3
PP&E	116.3	85.2	94.4	112.7	120.4	108.4	109.4	93.2	88.1	87.3	84.5	86.5	60.8	38.5	37.4	37.4	38.8	29.1	26.2	14.8	12.6	13.3	14.2	12.4	11.5
Intangible Assets	31.8	37.5	45.6	34.8	45.6	33.4	38.3	19.4	10.7	11.5	13.8	19.1	21.5	11.4	14.4	17.7	20.8	16.8	11.5	0	0	0	0	0	0
Goodwill	0	(13.0)	(16.0)	0	553.8	518.3	519.3	402.9	323.9	264.7	256.9	255.2	202.4	161.7	161.7	161.2	161.6	104.5	88.1	0	0	0	0	0	0
Long Term Investments	1 125.7	2 566.1	4 056.2	3 655.1	2 192.2	1 923.5	1 993.1	1 598.7	1 330.9	1 167.6	838.5	568.9	524.7	402.3	397.8	341.5	264.4	234.2	420.8	398.0	346.2	260.8	159.2	148.3	111.4
Other Long Term Assets	9 953.9	(2.3)	(69.8)	(80.7)	(51.2)	(15.8)	(30.7)	(29.4)	(37.3)	(25.0)	(46.6)	(57.7)	(29.2)	(19.5)	6.8	178.8	183.7	121.3	99.6	7.3	10.2	9.9	10.6	6.3	6.8
Other Assets	0	6 665.8	3 805.1	5 694.7	8 352.3	0	0	0	0	0	0	(1.7)	(9.1)	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	12 430.8	11 662.9	11 554.9	12 838.0	13 212.0	12 212.2	11 570.8	9 162.5	7 831.9	6 502.0	5 672.8	5 295.1	3 982.1	2 880.7	2 700.4	2 666.7	2 513.4	2 149.6	2 035.6	1 310.1	1 218.5	1 045.6	1 030.7	1 011.3	841.7
LIABILITIES
Accounts Payable	12.4	1.6	0.8	3.9	0	11.8	6.8	4.4	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Term Debt	270.6	0	0	40.0	125.0	1 118.8	667.3	1 082.0	1 071.2	900.9	872.5	163.2	10.0	47.0	83.9	23.2	92.8	0	0	0	125.0	133.0	61.5	49.0	26.4
Other Current Liabilities	(282.9)	7.6	13.3	(43.9)	6 231.1	(1 130.6)	(674.1)	(1 086.4)	(1 071.2)	(900.9)	(872.5)	0	0	(47.0)	(83.9)	(23.2)	(92.8)	0	0	0	(125.0)	(133.0)	(61.5)	(49.0)	(26.4)
Total Current Liabilities	9 554.3	1.6	0.8	43.9	136.6	1 130.6	674.1	1 082.0	1 071.2	900.9	872.5	163.2	10.0	47.0	83.9	23.2	0	0	0	0	125.0	133.0	61.5	49.0	26.4
Long Term Debt	308.3	188.6	176.4	605.9	702.5	399.0	469.8	232.0	204.1	151.4	191.6	297.6	227.4	213.3	222.8	351.4	257.1	360.5	412.9	175.3	126.5	1.2	72.5	60.1	32.6
Deferred Tax Income	0	15.4	17.2	34.4	47.5	20.7	24.5	26.6	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	11 110.3	10 520.3	10 196.1	11 004.3	10 629.9	9 141.5	8 937.4	6 755.2	6 739.8	4 740.4	3 930.6	4 168.8	(227.4)	(213.3)	(222.8)	(351.4)	(257.1)	(360.5)	(412.9)	(175.3)	(126.5)	(1.2)	(72.5)	(60.1)	(32.6)
Total Liabilities	11 418.6	10 708.8	10 372.5	11 650.2	11 453.4	10 659.3	10 074.5	8 069.2	6 944.7	5 792.7	4 994.7	4 629.5	3 428.1	2 492.8	2 315.8	2 258.3	2 186.6	1 891.5	1 789.5	1 178.4	1 093.1	922.9	888.3	850.0	753.3
EQUITY
Common Stock	0.5	0.5	1 182.4	0.5	0.5	1 512.3	0.5	0.4	0.3	0.3	0.3	0.3	0.2	0.2	384.6	0.1	0.1	0.1	0.1	77 K	77 K	77 K	77 K	77 K	0
Retained Earnings	(33.1)	(71.4)	(139.4)	(233.3)	361.1	308.8	239.2	217.5	183.9	156.4	142.0	122.0	109.5	103.3	99.0	127.8	113.4	105.7	99.4	95.0	86.3	79.7	80.7	74.6	70.7
Other Accumulative Comprehensive Income/Loss	(143.0)	(181.1)	(3.2)	30.9	12.0	(13.5)	4.2	9.8	(3.3)	6.6	(9.1)	(3.0)	(7.7)	(8.2)	(3.0)	(13.5)	(0.8)	(1.8)	(3.7)	(3.2)	(2.9)	(4.0)	7.7	12.6	17.7
Total Equity	1 012.2	954.1	1 182.4	1 187.8	1 758.6	1 552.9	1 496.3	1 093.3	887.2	709.3	678.1	665.5	554.0	388.0	384.6	408.4	326.8	258.2	246.1	131.7	125.4	122.7	142.4	161.3	88.4
Total Liabilities and Equity	12 430.8	11 662.9	11 554.9	12 838.0	13 212.0	12 212.2	11 570.8	9 162.5	7 831.9	6 502.0	5 672.8	5 295.1	3 982.1	2 880.7	2 700.4	2 666.7	2 513.4	2 149.6	2 035.6	1 310.1	1 218.5	1 045.6	1 030.7	1 011.3	841.7
SHARES OUTSTANDING
Common Shares Outstanding	43.3	45.6	49.2	50.3	49.3	46.0	39.5	31.0	28.4	24.7	24.8	22.2	17.9	13.9	13.2	10.7	9.2	8.5	7.1	5.3	5.3	5.4	6.3	6.5	6.1

Balance Sheet

Premium Plan

Unlimited Plan