Berkshire Story

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BHLB -- USA Stock  

USD 21.64  0.90  4.34%

Given the investment horizon of 60 days Berkshire Hills is expected to generate 4.66 times more return on investment than the market. However, the company is 4.66 times more volatile than its market benchmark. It trades about 0.19 of its potential returns per unit of risk. The DOW is currently generating roughly 0.19 per unit of risk. As many adventurous traders are excited about financial services space, it is only fair to go over the risk of shorting Berkshire Hills Bancorp based on its current volatility spike. We will go over odds for Berkshire Hills to generate above-average margins in two-three weeks. The current above-average Berkshire Hills' volatility may impact the value of the stock as we project Berkshire Hills as currently overvalued. The real value, according to our calculations, is approaching 15.75 per share.
Published over a month ago
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Will Berkshire Hills (NYSE:BHLB) current volatility spike continue?
The company currently holds 789.4 M in liabilities with Debt to Equity (D/E) ratio of 0.11, which may suggest Berkshire Hills is not taking enough advantage from borrowing.
Volatility is a rate at which the price of Berkshire Hills or any other equity instrument increases or decreases for a given set of returns. It is measured by calculating the standard deviation of the annualized returns over a given period of time and shows the range to which the price of Berkshire Hills may increase or decrease. In other words, similar to Berkshire's beta indicator, it measures the risk of Berkshire Hills and helps estimate the fluctuations that may happen in a short period of time. So if prices of Berkshire Hills fluctuate rapidly in a short time span, it is termed to have high volatility, and if it swings slowly in a more extended period, it is understood to have low volatility.
Please read more on our technical analysis page.

How important is Berkshire Hills's Liquidity

Berkshire Hills financial leverage refers to using borrowed capital as a funding source to finance Berkshire Hills Bancorp ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Berkshire Hills financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Please check the breakdown between Berkshire Hills's total debt and its cash.

How Berkshire utilizes its cash?

To perform a cash flow analysis of Berkshire Hills, investors first need to understand how to read the cash flow statement. A cash flow statement shows the amount of cash Berkshire Hills is receiving and how much cash it distributes out in a given period. The Berkshire Hills cash flow statement breaks down these inflows and outflows into different buckets, including operating activities, investing activities, and financing activities.
Berkshire Hills Net Cash Flow from Operations is projected to increase significantly based on the last few years of reporting. The past year's Net Cash Flow from Operations was at 128.25 Million

Berkshire Hills Volatility Drivers

Berkshire Hills unsystematic risk is unique to Berkshire Hills Bancorp and usually not directly affected by the market or economic environment. An example of unsystematic risk is the possibility of poor earnings or a layoff due to coronavirus. One may mitigate nonsystematic risk by buying different securities in the same industry or by buying in different sectors. For example, if you have a position in Berkshire Hills you can also buy Enterprises Finl Svc. You can also mitigate this risk by investing in the banks?regional sector as well as in companies having nothing to do with it. This type of risk is also called diversifiable risk and can be understood from analyzing Berkshire Hills important indicators over time. Here we run a correlation analysis between relevant fundamental ratios over at least ten year period to find a relationship in the way they react to changes in Berkshire Hills income statement and balance sheet. Here are more details about Berkshire volatility.
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