NYSE$BBT

Beacon Financial Corp · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Berkshire Hills Bancorp reported a net loss per share and a core loss per share due to a pre-tax provision for projected future credit losses related to the COVID-19 pandemic.

Berkshire Hills Bancorp reported a GAAP net loss of $0.40 per share and a core loss of $0.07 per share for Q1 2020. The results were impacted by a non-cash $0.69 per share pre-tax provision for projected future credit losses primarily related to the COVID-19 pandemic. The company processed $650 million in loan approvals under the Paycheck Protection Program.

  • Reported $0.40 GAAP net loss per share, including $0.69 pre-tax non-cash credit loss provision.
  • Reported $0.07 core loss per share.
  • Core PPNR per share was $0.61.
  • Serviced $650 million first round Paycheck Protection Program (“PPP”) loan approvals.

Headline financials

Total Revenue

$92.1M

Previous: $107M-14.1%
EPS (adj)

-$0.07

Previous: $0.60-111.7%
Capital Expenditures

-$3.39M

Previous: -$2.38M-42.1%
Free Cash Flow

-$23.3M

Previous: $21.3M-209.4%
Net Income

-$19.9M

Previous: $23.6M-184.1%
Operating Income

$11.2M

Previous: $53.1M-79.0%
Gross Profit

$57.1M

Previous: $107M-46.7%
Cash & Equivalents

$605M

Previous: $168M+261.2%
Total Assets

$13.1B

Previous: $12.2B+7.8%
Stock-Based Comp

$1.46M

Previous: $989K+47.5%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$92.1M

Q1 2020-14.1%vs Q1 2019
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Revenue by segment

Berkshire Hills Bancorp · $2.6M total across 1 segment · Q4 2021

  • Wealth management fees
    $2.6M

Forward guidance

The Board of Directors intends to declare and pay a regular quarterly cash dividend of $0.24 per common share in the second quarter. The Board also plans to declare and pay the regular preferred stock dividend as part of this intended future declaration.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.0%

Avg return

Earnings day

-1.0%

Avg return

5 days after

+1.9%

Avg return

30 days after

57%

37 / 65 earnings

Positive

+11.1%

Q3 2020

Best reaction

-19.5%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.3%-4.3%+2.5%
Q4 2025+2.6%+4.3%+5.5%
Q3 2025-0.4%-1.3%+2.9%
Q2 2025-1.5%-1.0%+0.6%
Q1 2025+3.2%+3.4%+2.2%
Q4 2024+2.0%+4.7%-0.3%
Q3 2024-1.9%-0.1%+13.6%
Q2 2024+1.4%+2.7%-1.5%
Q1 2024+5.7%+8.4%+14.3%
Q4 2023+0.7%+2.6%-9.7%
Q3 2023-5.2%-6.4%+7.4%
Q2 2023-8.8%-7.5%-8.2%
Q1 2023-6.0%-11.9%-12.2%
Q4 2022+7.6%+10.5%+4.5%
Q3 2022-1.2%+1.3%+5.7%
Q2 2022+6.6%+4.6%+15.2%
Q1 2022-6.0%-8.9%-12.4%
Q4 2021-0.5%+0.1%+4.7%
Q3 2021+3.4%+1.1%+3.0%
Q2 2021+0.3%+2.0%-4.6%
Q1 2021+3.9%+2.3%+23.7%
Q4 2020-6.5%-13.9%+9.7%
Q3 2020+11.1%+8.9%+47.3%
Q2 2020-7.8%-9.5%-11.6%
Q1 2020-19.5%-26.8%-26.5%
Q4 2019-3.4%-8.1%-14.3%
Q3 2019+2.6%+4.4%+5.2%
Q2 2019+5.2%+6.3%-2.7%
Q1 2019+0.3%+1.8%+0.5%
Q4 2018-5.1%-2.8%+9.9%
Q3 2018-6.6%-11.9%-11.4%
Q2 2018+0.7%+3.1%+2.5%
Q1 2018-0.1%-0.5%+2.6%
Q4 2017-1.2%-1.8%-1.7%
Q3 2017+1.7%+0.4%-5.6%
Q2 2017+1.5%+0.3%-7.1%
Q1 2017+6.2%+7.3%+5.4%
Q4 2016-1.9%-0.6%+0.7%
Q3 2016+3.9%+3.9%+19.7%
Q2 2016-5.3%-6.6%-2.3%
Q1 2016-1.9%
Q4 2015+0.8%
Q3 2015+2.7%
Q2 2015+0.7%
Q1 2015+0.9%
Q4 2014-0.5%
Q3 2014+4.9%
Q2 2014+5.2%
Q1 2014-2.7%
Q4 2013-2.4%
Q3 2013+1.9%
Q2 2013-2.1%
Q1 2013+0.8%
Q4 2012-0.4%
Q3 2012+0.9%
Q4 2011+0.2%
Q2 2012+0.2%
Q1 2011-1.6%
Q1 2012+1.9%
Q4 2010+2.3%
Q3 2011-2.8%
Q2 2010+1.3%
Q2 2011+1.3%
Q3 2010+1.5%
Q1 2010+6.9%

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