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Intrinsic value of Berkshire Hills Bancorp, Inc. (BHLB)

Previous Close$29.00
Intrinsic Value
Upside potential
Previous Close
$29.00
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh16.31 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Berkshire Hills Bancorp, Inc. operates as a bank holding company for Berkshire Bank that provides various banking products and services. It offers various deposit accounts, including demand deposit, NOW, regular savings, money market savings, time certificates of deposit, and retirement deposit accounts; and loans, such as commercial real estate, commercial and industrial, consumer, and residential mortgage loans. The company also provides wealth management services comprising investment management, trust administration, and financial planning; and investment products, financial planning, and brokerage services. In addition, it offers electronic banking, commercial cash management, online banking, and mobile banking services; and debit cards and other electronic fee producing payment services to transaction account customers. Further, the company, through its subsidiary, Berkshire Insurance Group, Inc., provides personal and commercial property, and casualty insurance; employee benefits insurance; and life, health, and financial services insurance products. It serves personal, commercial, not- profit, and municipal deposit customers. As of December 31, 2019, the company operated 130 full-service branches in Massachusetts, New York, Connecticut, Vermont, Central New Jersey, and Eastern Pennsylvania. Berkshire Hills Bancorp, Inc. was founded in 1846 and is headquartered in Boston, Massachusetts.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-93.4NaN
Revenue, $380NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m225NaN
Operating income, $m155NaN
EBITDA, $m170NaN
Interest expense (income), $mNaN
Earnings before tax, $m149NaN
Tax expense, $m30NaN
Net income, $m119NaN

BALANCE SHEET

Cash and short-term investments, $m1652NaN
Total assets, $m11572NaN
Adjusted assets (=assets-cash), $m9920NaN
Average production assets, $m193NaN
Working capital, $m-1691NaN
Total debt, $m177NaN
Total liabilities, $m10390NaN
Total equity, $m1182NaN
Debt-to-equity ratio0.150NaN
Adjusted equity ratio-0.046NaN

CASH FLOW

Net income, $m119NaN
Depreciation, amort., depletion, $m15NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m100NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-354NaN
Free cash flow, $m454NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-1691
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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