What is Berkshire Hills Bancorp Inc's earnings per share (EPS)?

Berkshire Hills Bancorp Inc (BHLB) reported diluted earnings per share of $1.03 for fiscal year 2025. This represents a 33.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Berkshire Hills Bancorp Inc (BHLB) Financials

BHLB

FY2025 annual

Revenue $29.9M -92.5% YoY

Net Income $90.3M +31.4% YoY

EPS (Diluted) $1.03 +33.8% YoY

Free Cash Flow $212.2M +112.2% YoY

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported May 11, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed May 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BHLB SEC filings page.

Berkshire Hills Bancorp Inc (BHLB) reported $29.9M in revenue for fiscal year 2025, down 92.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BHLB FY2025 2026-08-30

Balance-sheet expansion is Berkshire Hills’ dominant mechanic: liabilities fund a much larger asset base while returns remain compressed.

The asset base nearly doubled while return on assets fell from 0.6% to 0.4%. That combination means growth increased balance-sheet scale faster than it increased earnings capacity, diluting asset productivity.

Operating cash flow reached $224M against $90M of net income, so reported cash generation substantially exceeded accounting profit. Free cash flow was $212M after only $12M of capital expenditures, indicating that fixed-asset reinvestment is not the main cash use; balance-sheet movements likely matter more.

Reported debt-to-equity fell from 1.2x to 0.3x. Yet total liabilities were about 8.3x equity at the latest period end, showing that the headline debt ratio does not capture the bank’s broader liability-funded structure.

Financial Health Signals

Financial Health Score 29/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Berkshire Hills Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Berkshire Hills Bancorp Inc earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.6% the prior year. Earnings ranks banks on that return over three years, and Berkshire Hills Bancorp Inc scores 26/100 among other banks.

Growth

Berkshire Hills Bancorp Inc reported revenue of $29.9M in fiscal year 2025, against $400.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Berkshire Hills Bancorp Inc scores 1/100 among other banks.

Capital

Berkshire Hills Bancorp Inc funded 10.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.5B of equity against $23.2B of assets. Capital ranks banks on that cushion, and Berkshire Hills Bancorp Inc scores 39/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Berkshire Hills Bancorp Inc scores 3/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Berkshire Hills Bancorp Inc scores 45/100 on it among other banks.

Stability

Berkshire Hills Bancorp Inc reported net income of $90.3M in fiscal year 2025, against $68.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Berkshire Hills Bancorp Inc scores 60/100 among other banks.

Piotroski F-Score Partial

4/6

Berkshire Hills Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.49x

For every $1 of reported earnings, Berkshire Hills Bancorp Inc generates $2.49 in operating cash flow ($224.4M OCF vs $90.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$292.4M

YoY+164.7%

QoQ-6.5%

5Y CAGR+23.6%

10Y CAGR+14.8%

Berkshire Hills Bancorp Inc generated $292.4M in revenue in Q1 2026. This represents an increase of 164.7% from the same quarter a year earlier. Against the prior quarter it is down 6.5%.

Net Income

$46.2M

YoY+142.0%

QoQ-13.4%

5Y CAGR+28.8%

10Y CAGR+11.2%

Berkshire Hills Bancorp Inc reported $46.2M in net income in Q1 2026. This represents an increase of 142.0% from the same quarter a year earlier. Against the prior quarter it is down 13.4%.

EPS (Diluted)

$0.55

QoQ-14.1%

5Y CAGR+16.2%

10Y CAGR+0.6%

Berkshire Hills Bancorp Inc earned $0.55 per diluted share (EPS) in Q1 2026. Against the prior quarter it is down 14.1%.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Cash & Debt

$1.1B

YoY+211.3%

QoQ-45.5%

5Y CAGR-10.1%

10Y CAGR+32.1%

Berkshire Hills Bancorp Inc held $1.1B in cash against $1.1B in long-term debt as of Q1 2026.

Dividends Per Share

$0.32

QoQ-0.2%

Berkshire Hills Bancorp Inc paid $0.32 per share in dividends in Q1 2026. Against the prior quarter it is down 0.2%.

Shares Outstanding

84M

Berkshire Hills Bancorp Inc had 84M shares outstanding in Q1 2026.

Free Cash Flow

Not reported for Q1 2026.

Margins & Returns

Net Margin

15.8%

YoY-1.5pp

QoQ-1.3pp

5Y CAGR+2.9pp

10Y CAGR-6.0pp

Berkshire Hills Bancorp Inc's net profit margin was 15.8% in Q1 2026, showing the share of revenue converted to profit. This is down 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.3 percentage points.

Return on Equity

1.8%

YoY+0.3pp

QoQ-0.3pp

5Y CAGR+0.7pp

10Y CAGR+0.1pp

Berkshire Hills Bancorp Inc's ROE was 1.8% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

None of these metrics is reported for Q1 2026.

BHLB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BHLB quarterly income statement

Metric	TTM	FY2510-K	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$931.0M	$29.9M-92.5%	$400.0M-2.9%	$411.8M-0.4%	$413.5M-4.8%	$434.4M+13.4%	$383.1M-14.7%	$449.3M+4.4%	$430.5M+17.9%	$365.2M+22.5%	$298.1M+11.2%	$268.1M+18.4%	$226.5M-0.2%	$227.0M+15.0%	$197.4M+38.7%	$142.3M
SG&A Expenses	N/A	$191.2M+33.0%	$143.7M+3.5%	$138.9M-9.1%	$152.7M+1.4%	$150.6M+1.9%	$147.8M+4.9%	$140.9M+5.1%	$134.0M+11.7%	$120.0M+14.7%	$104.6M+7.4%	$97.4M+19.1%	$81.8M+14.9%	$71.1M+11.0%	$64.1M+29.3%	$49.5M
Interest Expense	$363.4M	$329.7M+10.3%	$298.9M+44.2%	$207.3M+385.8%	$42.7M+12.6%	$37.9M-59.2%	$93.0M-35.5%	$144.3M+31.5%	$109.7M+71.1%	$64.1M+33.1%	$48.2M+45.2%	$33.2M+17.0%	$28.4M-19.0%	$35.0M+7.5%	$32.6M+2.6%	$31.7M
Income Tax	$44.9M	$31.6M+37.5%	$23.0M+21.5%	$18.9M-11.1%	$21.3M-29.9%	$30.4M+252.9%	-$19.9M-188.4%	$22.5M-22.4%	$29.0M-31.2%	$42.1M+124.1%	$18.8M+270.9%	$5.1M-56.9%	$11.8M-31.2%	$17.1M+29.4%	$13.2M+133.9%	$5.7M
Net Income	$117.4M	$90.3M+31.4%	$68.7M-8.4%	$75.0M-18.9%	$92.5M-22.0%	$118.7M+122.3%	-$533.0M-647.0%	$97.5M-7.9%	$105.8M+91.4%	$55.2M-5.8%	$58.7M+18.5%	$49.5M+46.7%	$33.7M-18.0%	$41.1M+24.0%	$33.2M+88.8%	$17.6M
EPS (Basic)	N/A	$1.03+33.8%	$0.77-9.4%	$0.85-58.1%	$2.03-15.8%	$2.41+122.7%	-$10.60-635.4%	$1.98-13.9%	$2.30+64.3%	$1.40-25.9%	$1.89+8.6%	$1.74+27.9%	$1.36-18.1%	$1.66+11.4%	$1.49+53.6%	$0.97
EPS (Diluted)	—	$1.03+33.8%	$0.77-9.4%	$0.85	$2.02-15.5%	$2.39+122.5%	-$10.60-638.1%	$1.97-14.0%	$2.29+64.7%	$1.39-26.1%	$1.88+8.7%	$1.73+27.2%	$1.36-17.6%	$1.65+10.7%	$1.49+53.6%	$0.97
Diluted Shares (Avg)	N/A	88M-1.8%	89M+1.0%	88M	46M-7.3%	50M-1.4%	50M+1.7%	49M+6.9%	46M+16.5%	40M+27.4%	31M+9.1%	29M+14.9%	25M-0.4%	25M+11.8%	22M+24.4%	18M

Metric	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'25	Q4'24	Q3'24	Q2'2410-Q
Revenue	$292.4M+164.7%	$312.6M+183.7%	$212.4M+69.1%	$113.7M+4.6%	$110.4M+98.8%	$110.2M+37.7%	$125.6M+16.5%	$108.7M-1.1%
SG&A Expenses	$69.7M+94.3%	N/A	$50.0M+42.3%	$39.3M-2.1%	$35.9M-12.0%	$77.6M-1.8%	$35.1M-12.5%	$40.1M+0.4%
Interest Expense	$101.6M+49.7%	$112.8M+54.2%	$83.6M+9.1%	$65.4M-13.2%	$67.9M-8.1%	$73.2M+17.8%	$76.6M+32.7%	$75.4M+43.1%
Income Tax	$19.7M+209.2%	$21.8M+247.3%	-$4.2M-163.3%	$7.6M+43.5%	$6.4M+32.6%	$6.3M+239.3%	$6.6M+76.6%	$5.3M+33.7%
Net Income	$46.2M+142.0%	$53.4M+204.3%	-$4.2M-121.0%	$22.0M+34.5%	$19.1M+30.2%	$17.5M+1313.6%	$20.1M+3.1%	$16.4M-31.4%
EPS (Basic)	$0.55+161.9%	$0.64+220.0%	-$0.05-121.7%	$0.25+38.9%	$0.21+31.2%	$0.20+766.7%	$0.23-48.9%	$0.18-67.3%
EPS (Diluted)	$0.55	$0.64+220.0%	-$0.05	$0.25+38.9%	$0.21+31.2%	$0.20	$0.23	$0.18
Diluted Shares (Avg)	84M	84M-6.3%	88M	90M+0.4%	90M+0.4%	89M	89M	89M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

BHLB Balance Sheet

BHLB quarterly balance sheet

Metric	FY2510-K	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$23.2B+95.0%	$11.9B-4.2%	$12.4B+6.6%	$11.7B+0.9%	$11.6B-10.0%	$12.8B-2.9%	$13.2B+8.2%	$12.2B+5.5%	$11.6B+26.3%	$9.2B+17.0%	$7.8B+20.4%	$6.5B+14.6%	$5.7B+7.1%	$5.3B+32.7%	$4.0B
Cash & Equivalents	$2.0B+275.5%	$543.7M+308.7%	$133.0M-65.3%	$383.0M-76.5%	$1.6B+4.5%	$1.6B+168.7%	$579.8M+216.5%	$183.2M-26.4%	$248.8M+120.0%	$113.1M+9.2%	$103.6M+44.3%	$71.8M-5.0%	$75.5M-23.1%	$98.2M+30.4%	$75.4M
Goodwill	$351.6M+45.8%	$241.2M0.0%	$241.2M	N/A	$0	$0-100.0%	$553.8M+6.8%	$518.3M-0.2%	$519.3M+28.8%	$403.1M+24.4%	$323.9M+22.4%	$264.7M+3.1%	$256.9M+0.7%	$255.2M+26.1%	$202.4M
Total Liabilities	$20.7B+94.0%	$10.7B-6.4%	$11.4B+6.6%	$10.7B+3.2%	$10.4B-11.0%	$11.7B+1.7%	$11.5B+7.5%	$10.7B+5.8%	$10.1B+24.9%	$8.1B+16.2%	$6.9B+19.9%	$5.8B+16.0%	$5.0B+7.9%	$4.6B+34.6%	$3.4B
Long-Term Debt	$788.4M-48.1%	$1.5B+516.4%	$246.6M+96.5%	$125.5M+13.2%	$110.8M-79.2%	$531.6M-24.3%	$702.5M+76.1%	$399.0M-15.1%	$469.8M+102.5%	$232.0M+20.7%	$192.1M+26.9%	$151.4M-21.0%	$191.6M-32.8%	$284.9M+25.3%	$227.4M
Total Equity	$2.5B+104.3%	$1.2B+1.9%	$1.2B+20.8%	$992.1M-16.1%	$1.2B-0.4%	$1.2B-32.5%	$1.8B+13.2%	$1.6B+3.8%	$1.5B+36.9%	$1.1B+23.2%	$887.2M+25.1%	$709.3M+4.6%	$678.1M+1.6%	$667.3M+20.9%	$551.8M
Retained Earnings	$485.9M+5.9%	$458.9M+1485.0%	-$33.1M+53.6%	-$71.4M+48.8%	-$139.4M+40.3%	-$233.3M-164.6%	$361.1M+16.9%	$308.8M+29.1%	$239.2M+10.0%	$217.5M+18.3%	$183.9M+17.5%	$156.4M+10.2%	$142.0M+16.3%	$122.0M+13.1%	$107.9M

Metric	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'25	Q4'24	Q3'24	Q2'2410-Q
Total Assets	$22.2B+85.0%	$23.2B+95.0%	$22.8B+96.7%	$12.0B-1.5%	$12.0B-1.1%	$11.9B-4.2%	$11.6B-4.4%	$12.2B+1.1%
Cash & Equivalents	$1.1B+211.3%	$2.0B+275.5%	$1.2B+199.3%	$802.7M-27.0%	$357.5M-70.0%	$543.7M+308.7%	$407.9M-38.5%	$1.1B+71.8%
Goodwill	$355.3M	$351.6M+45.8%	$353.5M	N/A	N/A	$241.2M0.0%	N/A	N/A
Total Liabilities	$19.7B+82.3%	$20.7B+94.0%	$20.4B+93.7%	$10.8B-3.5%	$10.8B-2.9%	$10.7B-6.4%	$10.5B-5.9%	$11.2B+0.8%
Long-Term Debt	$1.1B+276.9%	$788.4M-48.1%	$1.1B+205.6%	$225.6M-19.0%	$284.6M+14.5%	$1.5B+516.4%	$353.6M+38.3%	$278.6M-14.4%
Total Equity	$2.5B+102.0%	$2.5B+104.3%	$2.4B+96.3%	$1.3B+4.6%	$1.2B+22.8%	$1.2B+1.9%	$1.2B+29.4%	$1.2B+23.1%
Retained Earnings	$505.0M+3437.2%	$485.9M+5.9%	N/A	$36.3M+180.9%	$14.3M+123.3%	$458.9M+1485.0%	-$15.0M+37.2%	-$44.9M-26.4%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

BHLB Cash Flow Statement

BHLB quarterly cash flow statement

Metric	TTM	FY2510-K	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$202.6M	$224.4M+113.8%	$105.0M-10.0%	$116.6M+5.3%	$110.7M+30.6%	$84.8M-62.8%	$227.6M+104.1%	$111.5M-49.8%	$222.3M+184.6%	$78.1M-20.4%	$98.1M+13.7%	$86.3M+54.6%	$55.8M-56.2%	$127.4M+344.7%	$28.7M-28.7%	$40.2M
Depreciation & Amortization	N/A	$10.0M+25.0%	$8.0M-4.8%	$8.4M-12.5%	$9.6M-12.7%	$11.0M-12.0%	$12.5M+14.5%	$10.9M+4.6%	$10.4M+9.9%	$9.5M+13.2%	$8.4M-2.3%	$8.6M+3.6%	$8.3M+16.5%	$7.1M+17.8%	$6.0M+24.7%	$4.8M
Stock-Based Compensation	N/A	$3.5M-57.9%	$8.3M+10.9%	$7.5M+2.2%	$7.3M+76.0%	$4.2M-11.8%	$4.7M-1.8%	$4.8M+1.1%	$4.8M-6.7%	$5.1M+10.4%	$4.6M-1.4%	$4.7M+22.1%	$3.8M+29.7%	$3.0M+31.0%	$2.3M+55.9%	$1.4M
Capital Expenditures	N/A	$12.3M+146.5%	$5.0M-59.7%	$12.4M+726.6%	$1.5M-6.9%	$1.6M-77.7%	$7.2M-31.8%	$10.6M+13.0%	$9.3M-16.9%	$11.3M+23.7%	$9.1M+24.0%	$7.3M-13.1%	$8.5M-35.5%	$13.1M-30.6%	$18.9M+136.5%	$8.0M
Free Cash Flow	N/A	$212.2M+112.2%	$100.0M-4.1%	$104.2M-4.6%	$109.2M+31.3%	$83.2M-62.3%	$220.4M+118.3%	$101.0M-52.6%	$212.9M+218.6%	$66.8M-24.9%	$89.0M+12.8%	$78.9M+66.7%	$47.4M-58.6%	$114.3M+1070.7%	$9.8M-69.7%	$32.2M
Investing Cash Flow	$2.2B	$2.3B+1747.8%	-$139.6M+79.0%	-$665.3M+47.2%	-$1.3B-303.0%	$621.2M-3.1%	$641.1M-46.7%	$1.2B+239.6%	-$861.5M-204.5%	-$282.9M-36.3%	-$207.6M+54.3%	-$454.5M-23.1%	-$369.3M+28.3%	-$515.2M-101.6%	-$255.5M-649.6%	-$34.1M
Financing Cash Flow	-$1.6B	-$1.0B-330.6%	$445.3M+49.1%	$298.7M+43.8%	$207.7M+132.7%	-$636.1M-682.0%	$109.3M+111.9%	-$917.5M-259.9%	$573.7M+68.5%	$340.5M+186.2%	$119.0M-70.3%	$400.0M+29.2%	$309.7M-15.2%	$365.1M+46.4%	$249.3M+875.5%	$25.6M
Dividends Paid	$78.1M	$63.1M+31.3%	$48.1M+0.3%	$47.9M+95.4%	$24.5M-0.1%	$24.6M-32.8%	$36.6M-18.9%	$45.1M+10.3%	$40.9M+23.0%	$33.2M+33.4%	$24.9M+13.8%	$21.9M+21.2%	$18.1M-0.2%	$18.1M+15.9%	$15.6M+31.3%	$11.9M
Share Buybacks	N/A	N/A	$17.5M-26.5%	$23.8M-80.9%	$124.5M+81.2%	$68.7M+14426.8%	$473K-99.1%	$52.7M	$0	$0	$0-100.0%	$550K-77.7%	$2.5M-79.9%	$12.2M+302.4%	-$3.0M	N/A

Metric	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'25	Q4'24	Q3'24	Q2'2410-Q
Operating Cash Flow	-$13.8M-272.8%	$167.4M+285.0%	-$4.8M-124.0%	$53.8M+54.7%	$8.0M+16.8%	$43.5M+265.7%	$19.9M-44.0%	$34.8M+23.0%
Stock-Based Compensation	$1.0M-22.4%	N/A	$500K-44.4%	N/A	$1.3M-38.6%	N/A	$900K	N/A
Capital Expenditures	N/A	$7.8M+332.6%	-$1.1M-56.6%	$2.2M+594.0%	$3.4M+1337.9%	$1.8M-84.4%	$2.6M	$318K
Free Cash Flow	N/A	$159.6M+283.0%	-$5.9M-134.3%	$51.6M+49.7%	$4.6M-30.0%	$41.7M+14420.6%	$17.2M-51.4%	$34.4M+21.9%
Investing Cash Flow	$51.7M-70.1%	$359.6M+506.4%	$2.0B+1347.8%	-$261.4M-44.9%	$172.9M-40.8%	-$88.5M+30.0%	-$162.6M-221.1%	-$180.4M-24.8%
Financing Cash Flow	-$966.7M-163.4%	$294.0M+62.6%	-$1.0B-296.3%	$68.1M+30.4%	-$367.0M-19.0%	$180.8M+259.3%	$520.6M+1267.5%	$52.2M+120.9%
Dividends Paid	$27.0M+124.7%	$27.0M+124.7%	$19.4M-5.3%	$4.7M-69.9%	$12.0M	$12.0M-50.0%	$20.5M+158.9%	$15.6M+95.8%
Share Buybacks	N/A	N/A	N/A	$0-100.0%	$0-100.0%	-$2K-100.0%	-$1K-100.0%	$13.5M+9.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

BHLB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BHLB quarterly financial ratios

Metric	FY2510-K	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	301.4%	17.2%-1.0pp	18.2%-4.2pp	22.4%-4.9pp	27.3%	-139.1%	21.7%-2.9pp	24.6%+9.4pp	15.1%-4.6pp	19.7%+1.2pp	18.5%+3.6pp	14.9%-3.2pp	18.1%+1.3pp	16.8%+4.5pp	12.3%
Return on Equity	3.6%-2.0pp	5.6%-0.6pp	6.3%-3.1pp	9.3%-0.7pp	10.0%+54.9pp	-44.9%-50.4pp	5.5%-1.3pp	6.8%+3.1pp	3.7%-1.7pp	5.4%-0.2pp	5.6%+0.8pp	4.8%-1.3pp	6.1%+1.1pp	5.0%+1.8pp	3.2%
Return on Assets	0.4%-0.2pp	0.6%0.0pp	0.6%-0.2pp	0.8%-0.2pp	1.0%+5.2pp	-4.2%-4.9pp	0.7%-0.1pp	0.9%+0.4pp	0.5%-0.2pp	0.6%0.0pp	0.6%+0.1pp	0.5%-0.2pp	0.7%+0.1pp	0.6%+0.2pp	0.4%
Debt-to-Equity	0.32-0.9x	1.24+1.0x	0.21+0.1x	0.130.0x	0.09-0.4x	0.450.0x	0.40+0.1x	0.26-0.1x	0.31+0.1x	0.210.0x	0.220.0x	0.21-0.1x	0.28-0.1x	0.430.0x	0.41
Asset Turnover	0.000.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	708.4%	25.0%-0.3pp	25.3%-1.1pp	26.4%+7.3pp	19.1%-38.4pp	57.5%+35.1pp	22.5%-27.0pp	49.5%+31.1pp	18.3%-11.6pp	29.9%+0.4pp	29.4%+8.5pp	20.9%-29.4pp	50.4%+45.4pp	5.0%-17.7pp	22.6%

Metric	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'25	Q4'24	Q3'24	Q2'2410-Q
Net Margin	15.8%-1.5pp	17.1%+1.1pp	-2.0%-18.0pp	19.4%+4.3pp	17.3%-9.1pp	15.9%+17.7pp	16.0%-2.1pp	15.1%-6.7pp
Return on Equity	1.8%+0.3pp	2.1%+0.7pp	-0.2%-1.8pp	1.8%+0.4pp	1.5%+0.1pp	1.4%+1.6pp	1.6%-0.4pp	1.4%-1.1pp
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.0%-0.2pp	0.2%+0.1pp	0.2%0.0pp	0.1%+0.2pp	0.2%0.0pp	0.1%-0.1pp
Debt-to-Equity	0.43+0.2x	0.32-0.9x	0.45+0.2x	0.18-0.1x	0.230.0x	1.24+1.0x	0.290.0x	0.23-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	N/A	51.1%+13.2pp	-2.8%-16.5pp	45.4%+13.7pp	4.2%-7.7pp	37.8%+37.5pp	13.7%-19.2pp	31.7%+6.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Berkshire Hills Bancorp Inc BHLB	FY2025	$29.9M	$90.3M	N/A	$2.2B	29/100
First Merchants Corp FRME	FY2025	$924.8M	$226.0M	24.4%	$2.6B	67/100
Pacific Premier Bancorp PPBI	FY2024	$822.6M	$158.8M	19.3%	$2.4B	55/100
First Bancorp N C FBNC	FY2025	$390.3M	$111.0M	28.4%	$2.6B	46/100
Enterprise Finl Svcs Corp EFSC	FY2025	$888.4M	$201.4M	22.7%	$2.3B	53/100
Trustmark Corp TRMK	FY2025	$948.6M	$224.1M	23.6%	$2.7B	40/100

Where Berkshire Hills Bancorp Inc Ranks

Frequently Asked Questions

What is Berkshire Hills Bancorp Inc's annual revenue?

Berkshire Hills Bancorp Inc (BHLB) reported $29.9M in total revenue for fiscal year 2025. This represents a -92.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Berkshire Hills Bancorp Inc's revenue growing?

Berkshire Hills Bancorp Inc (BHLB) revenue declined by 92.5% year-over-year, from $400.0M to $29.9M in fiscal year 2025.

Is Berkshire Hills Bancorp Inc profitable?

Yes, Berkshire Hills Bancorp Inc (BHLB) reported a net income of $90.3M in fiscal year 2025.

How much debt does Berkshire Hills Bancorp Inc have?

As of fiscal year 2025, Berkshire Hills Bancorp Inc (BHLB) had $2.0B in cash and equivalents against $788.4M in long-term debt.

Does Berkshire Hills Bancorp Inc pay dividends?

Yes, Berkshire Hills Bancorp Inc (BHLB) paid $0.73 per share in dividends during fiscal year 2025.

What is Berkshire Hills Bancorp Inc's return on equity (ROE)?

Berkshire Hills Bancorp Inc (BHLB) has a return on equity of 3.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Berkshire Hills Bancorp Inc's free cash flow?

Berkshire Hills Bancorp Inc (BHLB) generated $212.2M in free cash flow during fiscal year 2025. This represents a 112.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Berkshire Hills Bancorp Inc's operating cash flow?

Berkshire Hills Bancorp Inc (BHLB) generated $224.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Berkshire Hills Bancorp Inc's total assets?

Berkshire Hills Bancorp Inc (BHLB) had $23.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Berkshire Hills Bancorp Inc's capital expenditures?

Berkshire Hills Bancorp Inc (BHLB) invested $12.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Berkshire Hills Bancorp Inc's debt-to-equity ratio?

Berkshire Hills Bancorp Inc (BHLB) had a debt-to-equity ratio of 0.32 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Berkshire Hills Bancorp Inc's return on assets (ROA)?

Berkshire Hills Bancorp Inc (BHLB) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Berkshire Hills Bancorp Inc's Piotroski F-Score?

Berkshire Hills Bancorp Inc (BHLB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Berkshire Hills Bancorp Inc's earnings high quality?

Berkshire Hills Bancorp Inc (BHLB) has an earnings quality ratio of 2.49x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Berkshire Hills Bancorp Inc?

Berkshire Hills Bancorp Inc (BHLB) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.