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Berkshire Hills Bancorp (BHLB)
NYSE:BHLB
US Market
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Berkshire Hills (BHLB) Ratios

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Berkshire Hills Ratios

BHLB's free cash flow for Q1 2025 was $0.62. For the 2025 fiscal year, BHLB's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.21 1.36K 4.61K 76.16
Quick Ratio
0.00 0.21 1.84K 6.81K 121.13
Cash Ratio
0.00 0.11 90.27 141.10 2.08
Solvency Ratio
0.01 <0.01 0.01 0.01 -0.04
Operating Cash Flow Ratio
0.00 0.01 76.54 136.10 5.19
Short-Term Operating Cash Flow Coverage
0.00 0.60 0.00 0.00 5.69
Net Current Asset Value
$ -10.01B$ -9.11B$ -8.52B$ -6.80B$ -8.31B
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.05 0.01 <0.01 0.04
Debt-to-Equity Ratio
0.00 0.56 0.13 0.09 0.48
Debt-to-Capital Ratio
0.00 0.36 0.12 0.09 0.32
Long-Term Debt-to-Capital Ratio
0.00 0.20 0.12 0.09 0.31
Financial Leverage Ratio
9.85 12.28 12.22 9.77 10.81
Debt Service Coverage Ratio
0.71 0.18 -12.53 2.33 -3.72
Interest Coverage Ratio
-0.07 0.38 3.67 3.93 -5.94
Debt to Market Cap
0.00 0.47 0.09 0.08 0.66
Interest Debt Per Share
5.49 17.92 3.69 3.02 13.22
Net Debt to EBITDA
-0.83 -6.93 0.04 0.01 -0.93
Profitability Margins
Gross Profit Margin
41.94%61.35%41.53%35.19%100.00%
EBIT Margin
27.69%12.65%-3.56%39.06%-139.59%
EBITDA Margin
54.63%14.79%-124.09%31.11%-134.85%
Operating Profit Margin
-4.40%12.65%37.84%39.06%-144.79%
Pretax Profit Margin
38.20%12.65%27.52%39.06%-139.59%
Net Profit Margin
28.68%11.24%22.38%31.11%-134.39%
Continuous Operations Profit Margin
20.99%11.24%22.38%31.11%-134.39%
Net Income Per EBT
75.07%88.86%81.30%79.63%96.28%
EBT Per EBIT
-867.94%100.00%72.74%100.00%96.41%
Return on Assets (ROA)
0.94%0.56%0.79%1.03%-4.00%
Return on Equity (ROE)
9.73%6.88%9.70%10.04%-43.20%
Return on Capital Employed (ROCE)
1.25%5.14%1.34%1.29%-4.32%
Return on Invested Capital (ROIC)
12.96%3.90%2.55%1.53%-7.46%
Return on Tangible Assets
0.94%0.56%0.80%1.03%-4.01%
Earnings Yield
10.22%6.48%6.79%8.48%-59.63%
Efficiency Ratios
Receivables Turnover
0.00 7.14 0.00 0.00 0.00
Payables Turnover
0.00 17.38 150.17 319.03 0.00
Inventory Turnover
0.00 0.00 -0.31 -0.15 0.00
Fixed Asset Turnover
6.76 5.32 4.85 4.04 3.39
Asset Turnover
0.03 0.05 0.04 0.03 0.03
Working Capital Turnover Ratio
-0.10 -0.07 0.14 0.11 0.15
Cash Conversion Cycle
0.00 30.09 -1.17K -2.52K 0.00
Days of Sales Outstanding
0.00 51.09 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 -1.17K -2.52K 0.00
Days of Payables Outstanding
0.00 21.00 2.43 1.14 0.00
Operating Cycle
0.00 51.09 -1.17K -2.52K 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
3.10 3.63 2.70 2.14 4.53
Free Cash Flow Per Share
2.93 3.59 2.67 2.11 4.38
CapEx Per Share
0.17 0.04 0.03 0.03 0.14
Free Cash Flow to Operating Cash Flow
0.95 0.99 0.99 0.98 0.97
Dividend Paid and CapEx Coverage Ratio
3.01 4.69 4.74 4.03 5.20
Capital Expenditure Coverage Ratio
18.36 86.35 82.43 65.68 31.58
Operating Cash Flow Coverage Ratio
0.00 0.28 0.98 0.95 0.40
Operating Cash Flow to Sales Ratio
0.36 0.25 0.30 0.28 0.60
Free Cash Flow Yield
11.93%14.45%8.94%7.42%25.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.89 15.44 14.72 11.80 -1.68
Price-to-Sales (P/S) Ratio
2.87 1.74 3.29 3.67 2.25
Price-to-Book (P/B) Ratio
0.92 1.06 1.43 1.18 0.72
Price-to-Free Cash Flow (P/FCF) Ratio
8.47 6.92 11.19 13.48 3.90
Price-to-Operating Cash Flow Ratio
7.91 6.84 11.06 13.27 3.78
Price-to-Earnings Growth (PEG) Ratio
2.45 -0.75 -0.93 -0.10 <0.01
Price-to-Fair Value
0.92 1.06 1.43 1.18 0.72
Enterprise Value Multiple
4.65 4.80 -2.62 11.81 -2.60
Enterprise Value
989.95M 439.89M 1.34B 1.40B 1.34B
EV to EBITDA
6.23 4.80 -2.62 11.81 -2.60
EV to Sales
2.51 0.71 3.25 3.67 3.51
EV to Free Cash Flow
7.39 2.83 11.03 13.49 6.08
EV to Operating Cash Flow
6.99 2.80 10.89 13.29 5.89
Tangible Book Value Per Share
26.45 22.65 20.40 23.41 22.94
Shareholders’ Equity Per Share
26.73 23.38 20.94 24.01 23.63
Tax and Other Ratios
Effective Tax Rate
0.25 0.11 0.19 0.20 0.04
Revenue Per Share
8.63 14.30 9.08 7.75 7.60
Net Income Per Share
2.48 1.61 2.03 2.41 -10.21
Tax Burden
0.75 0.89 0.81 0.80 0.96
Interest Burden
1.00 1.00 -7.74 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.43 0.27 0.37 0.48 0.49
Stock-Based Compensation to Revenue
0.02 0.01 0.02 0.01 0.01
Income Quality
1.32 2.26 1.33 0.89 -0.44
Currency in USD
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