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BHLB: Berkshire Hills Bancorp Inc - Full Company Report Enter Ticker:

Quote	Estimates	Charts	Company Reports	News	Financials

Full Company Report \| Estimates \| Brokerage Recommendations \| Comparison to Industry \| Insiders \| Brokerage Reports \| Zacks Equity Research \| Annual Report

BERKSHIRE HILLS BANCORP INC (NASD)
BHLB	18.75	-0.79	(-4.04%)	Vol. 11,912	14:57 ET

Berkshire Hills Bancorp, Inc. is a bank holding company. Through its subsidiaries, the company is engaged as a community bank that accepts retail deposits from the general public in the areas surrounding its full-service banking offices and uses those funds,together with funds generated from operations and borrowings, to originate residential mortgage loans, commercial business and real estate loans and consumer loans, primarily indirect automobile loans.

General Information

BERKSHIRE HILLS

24 North Street Pittsfield, MA 01201 Phone: 413 443-5601 Fax: 413 443-3587 Web: www.berkshirebank.com Email: aracine@berkshirebank.com

Industry	FIN-SVGS & LOAN
Sector:	Finance

Fiscal Year End	December
Last Reported Quarter	09/30/09
Next EPS Date	01/25/2010

Price and Volume Information

Zacks Rank
Yesterday's Close	19.54
52 Week High	31.39
52 Week Low	18.06
Beta	0.56
20 Day Moving Average	51,034.60
Target Price Consensus	24

% Price Change
4 Week	-14.05
12 Week	-16.97
YTD	-38.95

% Price Change Relative to S&P 500
4 Week	-14.98
12 Week	-21.72
YTD	-49.47

Share Information
Shares Outstanding (millions)	13.92
Market Capitalization (millions)	262.18
Short Ratio	8.17
Last Split Date	N/A

Dividend Information
Dividend Yield	3.40%
Annual Dividend	$0.64
Payout Ratio	0.83
Change in Payout Ratio	0.52
Last Dividend Payout / Amount	11/09/2009 / $0.16

EPS Information
Current Quarter EPS Consensus Estimate	0.15
Current Year EPS Consensus Estimate	0.48
Estimated Long-Term EPS Growth Rate	10.00
Next EPS Report Date	01/25/2010

Consensus Recommendations
Current (1=Strong Buy, 5=Strong Sell)	3.00
30 Days Ago	3.00
60 Days Ago	3.00
90 Days Ago	3.00

Fundamental Ratios

P/E
Current FY Estimate:	39.25
Trailing 12 Months:	24.47
PEG Ratio	3.92

EPS Growth
vs. Previous Year	-72.55%
vs. Previous Quarter	275.00%

Sales Growth
vs. Previous Year	-11.42%
vs. Previous Quarter:	-3.90%

Price Ratios
Price/Book	0.63
Price/Cash Flow	6.97
Price / Sales	1.74

ROE
09/30/09	3.47
06/30/09	4.49
03/31/09	5.70

ROA
09/30/09	0.50
06/30/09	0.63
03/31/09	0.76

Current Ratio
09/30/09	-
06/30/09	1.04
03/31/09	1.07

Quick Ratio
09/30/09	-
06/30/09	1.04
03/31/09	1.07

Operating Margin
09/30/09	8.86
06/30/09	10.76
03/31/09	12.60

Net Margin
09/30/09	-
06/30/09	14.92
03/31/09	17.33

Pre-Tax Margin
09/30/09	-
06/30/09	14.92
03/31/09	17.33

Book Value
09/30/09	-
06/30/09	29.74
03/31/09	30.66

Inventory Turnover
09/30/09	-
06/30/09	7.37
03/31/09	7.39

Debt-to-Equity
09/30/09	-
06/30/09	0.73
03/31/09	0.83

Debt to Capital
09/30/09	-
06/30/09	42.18
03/31/09	43.09


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