NYSE$BBT

Beacon Financial Corp · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Earnings per share increased by 19% to $0.50 from the prior quarter.

Berkshire Hills Bancorp reported a strong second quarter in 2022, driven by loan growth, higher asset yields, and stable funding costs. Earnings per share increased by 19% quarter-over-quarter, reflecting positive operating leverage from revenue growth and stable expenses.

  • Earnings per share increased by 19% to $0.50 from $0.42 in the prior quarter.
  • Adjusted EPS also increased by 19% to $0.51 from $0.43.
  • Net interest income increased by 18% compared to the prior quarter.
  • The net interest margin increased to 3.11% from 2.61%.

Headline financials

Total Revenue

$97.7M

Previous: $97.4M+0.3%
EPS (adj)

$0.51

Previous: $0.44+15.9%
Efficiency ratio

66.6%

Previous: 67.8%-1.8%
Return on average tangible stockholders' equity (annualized)

8.3%

Previous: 7.9%+5.1%
Capital Expenditures

-$730K

Previous: -$1.61M+54.5%
Free Cash Flow

$22.4M

Previous: $20M+11.8%
Net Income

$23.1M

Previous: $21.6M+6.8%
Operating Income

$73.8M

Previous: $72.2M+2.2%
Gross Profit

$97.7M

Previous: $97.4M+0.3%
Cash & Equivalents

$871M

Previous: $1.83B-52.3%
Total Assets

$11.6B

Previous: $12.3B-5.7%
Stock-Based Comp

$2.12M

Previous: $1.61M+32.1%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$97.7M

Q2 2022+0.3%vs Q2 2021
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

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

  • Wealth management fees
    $2.6M

Forward guidance

Berkshire will conduct a conference call/webcast at 10:00 a.m. eastern time on Wednesday, July 20, 2022 to discuss results for the quarter and provide guidance about expected future results.

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 Q2 2022

Historical avgQ2 2022

+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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