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

[per Chepakovich valuation model]

other valuations of BHLB

[per Chepakovich valuation model]  See other valuations of BHLB stock

Previous Close$26.43
Intrinsic Value
Upside potential
Previous Close
$26.43

VALUATION INPUT DATA

Revenue, mln $
Initial revenue growth rate (norm.), %
Variable cost ratio, %
Fixed operating expenses, mln $
Production assets / Revenue, %
Working capital / Revenue, %
Interest rate on debt, %
Life of production assets, yrs
Initial discount rate, %
Shares outstanding, mln
Adjusted equity ratio
Adjusted assets / Revenue
Based on fiscal year data as of 2020-12-31 and quarterly data as of 2020-12-31.
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.
  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2020(a)2021202220232024202520262027202820292030203120322033203420352036203720382039204020412042204320442045

INCOME STATEMENT

Revenue growth rate, %-19.8NaN
Revenue, $476NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1003NaN
Operating income, $m-527NaN
EBITDA, $m40NaN
Interest expense (income), $mNaN
Earnings before tax, $m-553NaN
Tax expense, $m-20NaN
Net income, $m-533NaN

BALANCE SHEET

Cash and short-term investments, $m1586NaN
Total assets, $m12838NaN
Adjusted assets (=assets-cash), $m11252NaN
Average production assets, $m434NaN
Working capital, $m-698NaN
Total debt, $m532NaN
Total liabilities, $m11650NaN
Total equity, $m1188NaN
Debt-to-equity ratio0.448NaN
Adjusted equity ratio-0.035NaN

CASH FLOW

Net income, $m-533NaN
Depreciation, amort., depletion, $m568NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m228NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-7NaN
Free cash flow, $m235NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-698
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN