NYSE$BBT

Beacon Financial Corp · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Berkshire Hills Bancorp's second quarter of 2024 saw a solid net income, with operating EPS increasing and strategic progress made through branch consolidation and bolstering cash management capabilities.

Berkshire Hills Bancorp reported a net income of $24.0 million, or $0.57 per share, for the second quarter of 2024. Operating EPS increased by 12% to $0.55, driven by loan growth, higher fee income, and lower operating expenses. The company completed the consolidation of three branch offices and repurchased approximately 612 thousand shares totaling $13 million during the quarter.

  • GAAP income was $24.0 million, or $0.57 per share.
  • Operating earnings totaled $23.2 million, or $0.55 per share.
  • Total loans increased $143 million to $9.23 billion due to commercial loan growth.
  • Total deposits decreased $262 million to $9.62 billion.

Headline financials

Total Revenue

$109M

Previous: $110M-1.1%
EPS

$0.57

Previous: $0.55+3.6%
Efficiency ratio

63.4%

No prior period
Return on average assets (annualized)

0.8%

No prior period
Operating return on average assets

0.8%

No prior period
Return on average tangible stockholders' equity (annualized)

10.0%

No prior period
Operating return on average tangible stockholders' equity

9.7%

No prior period
Capital Expenditures

-$553K

Previous: -$753K+26.6%
Free Cash Flow

$23.5M

Previous: $23.1M+1.6%
Net Income

$24M

Previous: $23.9M+0.7%
Operating Income

$17.4M

Previous: $27.9M-37.8%
Gross Profit

$102M

Previous: $102M+0.3%
Cash & Equivalents

$1.1B

Previous: $641M+71.8%
Total Assets

$12.2B

Previous: $12.1B+1.1%
Stock-Based Comp

$1.85M

Previous: $2.26M-18.2%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$109M

Q2 2024-1.1%vs Q2 2023
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

Berkshire will conduct a conference call/webcast at 9:00 a.m. eastern time on Thursday, July 18, 2024 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 2024

Historical avgQ2 2024

+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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