NYSE$BBT

Beacon Financial Corp · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Berkshire Hills Bancorp reported Q1 2025 revenue of $110.4M, net income of $25.7M, diluted EPS of $0.56.

For Q1 2025, Berkshire Hills Bancorp reported Revenue was $110.4M, net income was $25.7M, diluted EPS was $0.56. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $110.4M for Q1 2025.
  • Net income $25.7M.
  • Diluted EPS $0.56.

Headline financials

Total Revenue

$110M

Previous: $55.5M+98.8%
EPS (adj)

$0.56

Previous: -$0.47+219.1%
Efficiency ratio

59.5%

Previous: 66.3%-10.3%
Stockholders' equity to total assets

9.9%

Previous: 8.2%+20.7%
Nonperforming assets as a percentage of total assets

0.2%

Previous: 0.2%-8.7%
Allowance for loan and lease losses

$1.24

Previous: $1.18+5.1%
Net interest margin (1)

3.2%

Previous: 3.1%+2.9%
Return on average assets (annualized)

0.9%

Previous: -0.7%+227.5%
Operating return on average assets

0.9%

Previous: 0.7%+32.4%
Return on average tangible stockholders' equity (annualized)

9.0%

Previous: -7.7%+216.7%
Operating return on average tangible stockholders' equity

9.7%

Previous: 8.7%+10.7%
Net loan and lease charge-offs as a percentage of average loans (annualized)

0.1%

Previous: 0.2%-16.7%
Nonperforming loans and leases as a percentage of total loans and leases

0.3%

Previous: 0.2%+4.2%
Effective tax rate

25.6%

Previous: 22.1%+15.8%
Capital Expenditures

-$3.38M

Previous: -$235K-1337.9%
Net Income

$25.7M

Previous: -$20.2M+227.4%
Operating Income

$27.6M

Previous: -$34.8M+179.4%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$110M

Q1 2025+98.8%vs Q1 2024
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

The quarterly filing discusses operating priorities, liquidity, and sector-specific risks.

Tailwinds

  • Management outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

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 2025

Historical avgQ1 2025

+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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