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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
0.14 0.21 1.36K 4.61K 76.16
Quick Ratio
0.14 0.21 1.84K 6.81K 121.13
Cash Ratio
0.08 0.11 90.27 141.10 2.08
Solvency Ratio
0.01 <0.01 0.01 0.01 -0.04
Operating Cash Flow Ratio
0.01 0.01 76.54 136.10 5.19
Short-Term Operating Cash Flow Coverage
0.35 0.60 0.00 0.00 5.69
Net Current Asset Value
$ -9.42B$ -9.11B$ -8.52B$ -6.80B$ -8.31B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.05 0.01 <0.01 0.04
Debt-to-Equity Ratio
0.57 0.56 0.13 0.09 0.48
Debt-to-Capital Ratio
0.36 0.36 0.12 0.09 0.32
Long-Term Debt-to-Capital Ratio
0.19 0.20 0.12 0.09 0.31
Financial Leverage Ratio
10.04 12.28 12.22 9.77 10.81
Debt Service Coverage Ratio
0.18 0.18 -12.53 2.33 -3.72
Interest Coverage Ratio
0.55 0.38 3.67 3.93 -5.94
Debt to Market Cap
0.62 0.47 0.09 0.08 0.66
Interest Debt Per Share
20.61 17.92 3.69 3.02 13.22
Net Debt to EBITDA
-0.94 -6.93 0.04 0.01 -0.93
Profitability Margins
Gross Profit Margin
59.65%61.35%41.53%35.19%100.00%
EBIT Margin
20.20%12.65%-3.56%39.06%-139.59%
EBITDA Margin
21.77%14.79%-124.09%31.11%-134.85%
Operating Profit Margin
20.20%12.65%37.84%39.06%-144.79%
Pretax Profit Margin
20.20%12.65%27.52%39.06%-139.59%
Net Profit Margin
15.37%11.24%22.38%31.11%-134.39%
Continuous Operations Profit Margin
15.37%11.24%22.38%31.11%-134.39%
Net Income Per EBT
76.05%88.86%81.30%79.63%96.28%
EBT Per EBIT
100.00%100.00%72.74%100.00%96.41%
Return on Assets (ROA)
0.89%0.56%0.79%1.03%-4.00%
Return on Equity (ROE)
9.62%6.88%9.70%10.04%-43.20%
Return on Capital Employed (ROCE)
8.11%5.14%1.34%1.29%-4.32%
Return on Invested Capital (ROIC)
5.01%3.90%2.55%1.53%-7.46%
Return on Tangible Assets
0.89%0.56%0.80%1.03%-4.01%
Earnings Yield
9.82%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
12.06 5.32 4.85 4.04 3.39
Asset Turnover
0.06 0.05 0.04 0.03 0.03
Working Capital Turnover Ratio
-0.08 -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
0.21 0.28 0.98 0.95 0.40
Operating Cash Flow to Sales Ratio
0.20 0.25 0.30 0.28 0.60
Free Cash Flow Yield
12.14%14.45%8.94%7.42%25.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.18 15.44 14.72 11.80 -1.68
Price-to-Sales (P/S) Ratio
1.59 1.74 3.29 3.67 2.25
Price-to-Book (P/B) Ratio
0.91 1.06 1.43 1.18 0.72
Price-to-Free Cash Flow (P/FCF) Ratio
8.24 6.92 11.19 13.48 3.90
Price-to-Operating Cash Flow Ratio
7.68 6.84 11.06 13.27 3.78
Price-to-Earnings Growth (PEG) Ratio
0.14 -0.75 -0.93 -0.10 <0.01
Price-to-Fair Value
0.91 1.06 1.43 1.18 0.72
Enterprise Value Multiple
6.35 4.80 -2.62 11.81 -2.60
Enterprise Value
961.41M 439.89M 1.34B 1.40B 1.34B
EV to EBITDA
6.35 4.80 -2.62 11.81 -2.60
EV to Sales
1.38 0.71 3.25 3.67 3.51
EV to Free Cash Flow
7.18 2.83 11.03 13.49 6.08
EV to Operating Cash Flow
6.79 2.80 10.89 13.29 5.89
Tangible Book Value Per Share
25.89 22.65 20.40 23.41 22.94
Shareholders’ Equity Per Share
26.20 23.38 20.94 24.01 23.63
Tax and Other Ratios
Effective Tax Rate
0.24 0.11 0.19 0.20 0.04
Revenue Per Share
15.23 14.30 9.08 7.75 7.60
Net Income Per Share
2.34 1.61 2.03 2.41 -10.21
Tax Burden
0.76 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
0.24 0.27 0.37 0.48 0.49
Stock-Based Compensation to Revenue
0.01 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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