NYSE$BBT

Beacon Financial Corp · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Berkshire Hills Bancorp's operating results improved due to higher loan-related fees and revenues, growth in demand deposits, and the paydown of higher cost wholesale funding.

Berkshire Hills Bancorp reported a net income of $13 million, or $0.26 per share, for Q1 2021. Adjusted earnings were $16 million, or $0.32 per share, excluding $3 million in restructuring and other expenses. The quarter benefited from higher revenues and lower credit loss provision expense.

  • Net income was $13 million, or $0.26 per share, compared to $15 million, or $0.30 per share, in the prior quarter.
  • Adjusted earnings totaled $16 million, or $0.32 per share, compared to $14 million, or $0.28 per share, in the prior quarter.
  • Total assets remained steady at $12.8 billion.
  • Total net revenue increased quarter-over-quarter by $2 million to $101 million.

Headline financials

Total Revenue

$101M

Previous: $92.1M+10.0%
EPS (adj)

$0.32

Previous: -$0.07+557.1%
Stockholders' equity to total assets

9.2%

No prior period
Capital Expenditures

-$2.3M

Previous: -$3.39M+32.2%
Free Cash Flow

$10.7M

Previous: -$23.3M+146.2%
Net Income

$13M

Previous: -$19.9M+165.6%
Operating Income

$62.4M

Previous: $11.2M+458.5%
Gross Profit

$94.8M

Previous: $57.1M+66.0%
Cash & Equivalents

$1.9B

Previous: $605M+213.8%
Total Assets

$12.8B

Previous: $13.1B-2.8%
Stock-Based Comp

$675K

Previous: $1.46M-53.7%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$101M

Q1 2021+10%vs Q1 2020
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

Berkshire is focused on the development of their transformational strategic plan, which they plan to announce on May 18, 2021, with the goal of enhancing results for all stakeholders.

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 2021

Historical avgQ1 2021

+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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