NYSE$BBT

Beacon Financial Corp · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Berkshire Hills Bancorp reported first quarter results with net income of $27.6 million.

Berkshire Hills Bancorp reported a net income of $27.6 million, or $0.63 per share, for the first quarter of 2023. The company saw improvements in key financial metrics year-over-year, driven by the execution of its BEST strategic initiatives. Loan growth was diversified, and deposit demand was managed effectively during the quarter.

  • Net income for the first quarter was $27.6 million, or $0.63 per share.
  • Operating income was $27.6 million, reflecting a 9.6 percent operating return on average tangible common equity.
  • Loans increased by $347 million, or four percent, from the previous quarter, driven by higher commercial and residential mortgage balances.
  • Cash and equivalents increased by $321 million to support on-balance sheet liquidity.

Headline financials

Total Revenue

$114M

Previous: $89.7M+27.2%
EPS (adj)

$0.63

Previous: $0.43+46.5%
Capital Expenditures

-$753K

Previous: $0.00
Free Cash Flow

$26.9M

Previous: $20.2M+33.1%
Net Income

$27.6M

Previous: $20.2M+36.8%
Operating Income

$53M

Previous: $65.2M-18.7%
Gross Profit

$105M

Previous: $85.8M+22.6%
Cash & Equivalents

$1.01B

Previous: $1.61B-37.4%
Total Assets

$12.3B

Previous: $12.1B+1.8%
Stock-Based Comp

$1.2M

Previous: $1.81M-33.7%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$114M

Q1 2023+27.2%vs Q1 2022
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Revenue by segment

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

  • Wealth management fees
    $2.6M

Forward guidance

This document contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended.

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 2023

Historical avgQ1 2023

+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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