NYSE$BBT

Beacon Financial Corp · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Briefing

Berkshire Hills Bancorp reported a record fourth quarter with increased earnings per share and revenue.

Berkshire Hills Bancorp reported a record fourth quarter in 2022, with EPS increasing by 64% year-over-year to $0.69 and adjusted EPS increasing by 52% to $0.64. Revenue increased by 30% year-over-year, driven by net interest income growth. The company's balance sheet remained strong, and it increased its quarterly shareholder dividend by 50% and repurchased 2% of shares.

  • EPS increased by 64% year-over-year to a record $0.69 in Q4 2022.
  • Adjusted EPS increased by 52% to $0.64.
  • Revenue increased by 30% year-over-year, driven by net interest income.
  • Quarterly shareholder dividend increased by 50% and 2% of shares were repurchased.

Headline financials

Total Revenue

$102M

Previous: $69.3M+47.3%
EPS (adj)

$0.64

Previous: $0.42+52.4%
Efficiency ratio

58.0%

No prior period
Capital Expenditures

$765K

No prior period
Free Cash Flow

$34.2M

Previous: $22.9M+49.3%
Net Income

$30.5M

Previous: $0.00
Gross Profit

$62M

Previous: $134M-53.8%
Cash & Equivalents

$685M

Previous: $1.63B-57.9%
Total Assets

$11.7B

Previous: $11.6B+1.3%
Stock-Based Comp

$1.68M

Previous: $518K+224.1%

Revenue & EPS history

Berkshire Hills Bancorp · Revenue · Quarterly

$102M

Q4 2022+47.3%vs Q4 2021
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Revenue by segment

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

  • Wealth management fees
    $2.6M

Forward guidance

Berkshire Hills Bancorp will conduct a conference call/webcast at 10:00 a.m. eastern time on Thursday, January 26, 2023 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 Q4 2022

Historical avgQ4 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%
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 2011+1.3%
Q2 2010+1.3%
Q3 2010+1.5%
Q1 2010+6.9%

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