Berkshire Hills Bancorp, Inc. (BHLB) DCF Valuation
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Berkshire Hills Bancorp, Inc. (BHLB) Bundle
Designed for accuracy, our (BHLB) DCF Calculator enables you to assess the valuation of Berkshire Hills Bancorp, Inc. using real-world financial data, providing complete flexibility to modify all essential parameters for improved projections.
Discounted Cash Flow (DCF) - (USD MM)
| Year | AY1 2019 |
AY2 2020 |
AY3 2021 |
AY4 2022 |
AY5 2023 |
FY1 2024 |
FY2 2025 |
FY3 2026 |
FY4 2027 |
FY5 2028 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 447.9 | 381.8 | 381.5 | 413.5 | 576.3 | 623.7 | 675.1 | 730.6 | 790.7 | 855.8 |
| Revenue Growth, % | 0 | -14.75 | -0.09873013 | 8.4 | 39.36 | 8.23 | 8.23 | 8.23 | 8.23 | 8.23 |
| EBITDA | 101.5 | -514.9 | 118.7 | -513.2 | .0 | -182.4 | -197.4 | -213.7 | -231.3 | -250.3 |
| EBITDA, % | 22.67 | -134.85 | 31.11 | -124.09 | 0 | -29.25 | -29.25 | -29.25 | -29.25 | -29.25 |
| Depreciation | 16.7 | 18.1 | 16.2 | 14.7 | 13.3 | 23.2 | 25.1 | 27.2 | 29.4 | 31.8 |
| Depreciation, % | 3.73 | 4.74 | 4.26 | 3.56 | 2.3 | 3.72 | 3.72 | 3.72 | 3.72 | 3.72 |
| EBIT | 84.8 | -533.0 | 102.4 | -527.9 | -13.3 | -195.2 | -211.3 | -228.7 | -247.5 | -267.9 |
| EBIT, % | 18.94 | -139.59 | 26.85 | -127.65 | -2.3 | -31.3 | -31.3 | -31.3 | -31.3 | -31.3 |
| Total Cash | 1,887.4 | 3,253.1 | 3,505.4 | 2,108.6 | 1,203.2 | 623.7 | 675.1 | 730.6 | 790.7 | 855.8 |
| Total Cash, percent | .0 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | .0 |
| Account Receivables | .0 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | .0 |
| Account Receivables, % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventories | -652.6 | -1,972.7 | -1,704.9 | -776.6 | .0 | -499.0 | -540.0 | -584.5 | -632.6 | -684.6 |
| Inventories, % | -145.69 | -516.62 | -446.92 | -187.79 | 0 | -80 | -80 | -80 | -80 | -80 |
| Accounts Payable | .0 | 3.9 | .8 | 1.6 | 12.4 | 4.7 | 5.1 | 5.5 | 5.9 | 6.4 |
| Accounts Payable, % | 0 | 1.01 | 0.20316 | 0.38933 | 2.15 | 0.75019 | 0.75019 | 0.75019 | 0.75019 | 0.75019 |
| Capital Expenditure | -10.6 | -7.2 | -1.6 | -1.5 | -1.8 | -6.7 | -7.2 | -7.8 | -8.5 | -9.1 |
| Capital Expenditure, % | -2.36 | -1.89 | -0.421 | -0.36152 | -0.31581 | -1.07 | -1.07 | -1.07 | -1.07 | -1.07 |
| Tax Rate, % | 11.14 | 11.14 | 11.14 | 11.14 | 11.14 | 11.14 | 11.14 | 11.14 | 11.14 | 11.14 |
| EBITAT | 66.7 | -513.2 | 81.6 | -429.2 | -11.8 | -165.8 | -179.5 | -194.2 | -210.2 | -227.5 |
| Depreciation | ||||||||||
| Changes in Account Receivables | ||||||||||
| Changes in Inventories | ||||||||||
| Changes in Accounts Payable | ||||||||||
| Capital Expenditure | ||||||||||
| UFCF | 725.4 | 821.7 | -174.7 | -1,343.4 | -766.2 | 342.0 | -120.2 | -130.0 | -140.7 | -152.3 |
| WACC, % | 14.89 | 16.93 | 15.01 | 15.2 | 16.07 | 15.62 | 15.62 | 15.62 | 15.62 | 15.62 |
| PV UFCF | ||||||||||
| SUM PV UFCF | -30.7 | |||||||||
| Long Term Growth Rate, % | 2.00 | |||||||||
| Free cash flow (T + 1) | -155 | |||||||||
| Terminal Value | -1,141 | |||||||||
| Present Terminal Value | -552 | |||||||||
| Enterprise Value | -583 | |||||||||
| Net Debt | -635 | |||||||||
| Equity Value | 52 | |||||||||
| Diluted Shares Outstanding, MM | 44 | |||||||||
| Equity Value Per Share | 1.20 |
What You Will Get
- Real BHLB Financials: Access to both historical and projected data for precise valuation.
- Customizable Inputs: Adjust WACC, tax rates, revenue growth, and capital expenditures as needed.
- Dynamic Calculations: Intrinsic value and NPV are computed in real-time.
- Scenario Analysis: Evaluate various scenarios to assess Berkshire Hills Bancorp's future performance.
- User-Friendly Design: Designed for professionals, yet easy for newcomers to navigate.
Key Features
- Comprehensive BHLB Data: Pre-filled with Berkshire Hills Bancorp’s historical financials and future projections.
- Fully Customizable Inputs: Modify revenue growth, profit margins, WACC, tax rates, and capital expenditures to fit your analysis.
- Dynamic Valuation Model: Automatically updates Net Present Value (NPV) and intrinsic value based on user-defined inputs.
- Scenario Testing: Develop various forecast scenarios to explore different valuation results.
- User-Friendly Interface: Intuitive design tailored for both seasoned professionals and newcomers.
How It Works
- Step 1: Download the prebuilt Excel template with Berkshire Hills Bancorp, Inc.'s (BHLB) data included.
- Step 2: Explore the pre-filled sheets and understand the key metrics.
- Step 3: Update forecasts and assumptions in the editable yellow cells (WACC, growth, margins).
- Step 4: Instantly view recalculated results, including Berkshire Hills Bancorp, Inc.'s (BHLB) intrinsic value.
- Step 5: Make informed investment decisions or generate reports using the outputs.
Why Choose Berkshire Hills Bancorp, Inc. (BHLB)?
- Commitment to Community: Focused on providing personalized banking solutions to local customers.
- Strong Financial Performance: Proven track record of stability and growth in the banking sector.
- Comprehensive Services: A wide range of financial products tailored to meet diverse customer needs.
- Expert Guidance: Knowledgeable staff dedicated to helping clients make informed financial decisions.
- Innovative Technology: User-friendly online and mobile banking platforms for convenient access.
Who Should Use This Product?
- Finance Students: Discover valuation methods and practice them with real-world data.
- Academics: Integrate established financial models into your teaching or research projects.
- Investors: Validate your investment theories and assess valuation results for Berkshire Hills Bancorp, Inc. (BHLB).
- Analysts: Enhance your efficiency with a ready-to-use, customizable DCF model.
- Small Business Owners: Understand the analytical approaches used for evaluating large public companies like Berkshire Hills Bancorp, Inc. (BHLB).
What the Template Contains
- Historical Data: Includes Berkshire Hills Bancorp, Inc.'s (BHLB) past financials and baseline forecasts.
- DCF and Levered DCF Models: Detailed templates to calculate Berkshire Hills Bancorp, Inc.'s (BHLB) intrinsic value.
- WACC Sheet: Pre-built calculations for Weighted Average Cost of Capital specific to Berkshire Hills Bancorp, Inc. (BHLB).
- Editable Inputs: Modify key drivers such as growth rates, EBITDA %, and CAPEX assumptions tailored for Berkshire Hills Bancorp, Inc. (BHLB).
- Quarterly and Annual Statements: A complete breakdown of Berkshire Hills Bancorp, Inc.'s (BHLB) financials.
- Interactive Dashboard: Visualize valuation results and projections dynamically for Berkshire Hills Bancorp, Inc. (BHLB).