Berkshire Hills Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
10.42
Price/Sales ratio
2.76
Earnings per Share (EPS)
$2.43

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
19.5316.6919.4626.1311.7316.62-1.6711.7914.7215.4429.9011.73
Price/Sales ratio
2.913.083.843.432.643.612.253.663.291.862.193.61
Price/Book Value ratio
0.920.931.040.960.790.920.721.181.421.061.110.79
Price/Cash Flow ratio
11.819.5711.6318.495.5814.523.7813.2711.056.9322.795.58
Price/Free Cash Flow ratio
13.9110.4612.8222.025.8416.043.9013.4711.197.0123.365.84
Price/Earnings Growth ratio
-1.080.592.25-1.000.18-1.120.00-0.09-0.93-0.743.320.18
Dividend Yield
2.74%2.65%2.18%2.30%3.29%2.78%4.24%1.75%1.80%2.94%2.54%2.78%
Profitability Indicator Ratios
Gross Profit Margin
100%100%45.62%45.97%47.02%100%100%35.18%41.53%56.03%47.79%47.02%
Operating Profit Margin
36.27%35.93%38.97%28.88%52.31%26.77%-144.78%39.06%37.83%55.10%8.60%26.77%
Pretax Profit Margin
20.09%20.35%26.07%23.73%28.45%27.68%-139.59%39.06%27.52%13.59%8.61%27.68%
Net Profit Margin
14.90%18.46%19.75%13.14%22.56%21.75%-134.39%31.10%22.37%12.07%7.32%21.75%
Effective Tax Rate
25.84%9.27%24.25%44.61%20.72%18.11%3.72%20.37%18.70%11.13%15.02%18.11%
Return on Assets
0.51%0.63%0.64%0.47%0.86%0.73%-3.99%1.02%0.79%0.55%0.34%0.73%
Return On Equity
4.75%5.58%5.36%3.69%6.81%5.54%-43.20%10.03%9.69%6.87%3.88%5.54%
Return on Capital Employed
1.46%1.42%1.43%1.11%2.21%0.91%-4.32%1.28%1.34%11.03%0.78%0.91%
Liquidity Ratios
Current Ratio
0.000.010.000.000.000.002.28N/AN/AN/A0.320.00
Quick Ratio
5.515.666.5013.198.4919.03121.126.80K1.84K0.120.3219.03
Cash ratio
0.060.060.060.130.080.772.07141.0990.270.120.100.08
Days of Sales Outstanding
35.9837.6655.5258.0647.34N/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/A-2.51K-1.17KN/AN/AN/A
Operating Cycle
N/AN/A55.5258.0647.34N/AN/A-2.51K-1.17KN/AN/AN/A
Days of Payables Outstanding
N/AN/A9.9210.9517.35N/AN/A1.142.4317.81N/AN/A
Cash Conversion Cycle
N/AN/A45.5947.1029.98N/AN/A-2.51K-1.17K-17.81N/AN/A
Debt Ratios
Debt Ratio
0.160.160.140.090.120.060.040.000.010.040.060.06
Debt Equity Ratio
1.481.421.200.750.970.470.480.090.130.510.660.66
Long-term Debt to Capitalization
0.170.170.170.230.200.280.300.080.110.190.240.20
Total Debt to Capitalization
0.590.580.540.430.490.310.320.080.110.330.390.39
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A-0.21N/AN/AN/A0.22N/A
Cash Flow to Debt Ratio
0.050.060.070.060.140.130.390.950.980.290.070.13
Company Equity Multiplier
9.168.828.387.737.867.5110.809.7712.2212.2810.847.86
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.240.320.330.180.470.240.590.270.290.260.090.24
Free Cash Flow / Operating Cash Flow Ratio
0.840.910.900.830.950.900.960.980.980.980.970.95
Cash Flow Coverage Ratio
0.050.060.070.060.140.130.390.950.980.290.070.13
Short Term Coverage Ratio
0.060.080.090.110.190.895.69N/AN/A0.570.140.89
Dividend Payout Ratio
53.56%44.23%42.46%60.16%38.65%46.28%-7.12%20.69%26.50%45.55%98.22%38.65%