Berkshire Hills Bancorp, Inc. (BHLB)

Berkshire Hills Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	106.91	61	69.6	92.53	118.66	-533.02
Depreciation & Amortization	14.96	15.48	17.6	19.3	21.16	21.86
Gain (Loss) on Sale of Assets	-16.24	-16.24	-	-	-50.13	0.34
Gain (Loss) on Sale of Investments	-0.51	49.87	26	4.92	2.73	10.09
Total Asset Writedown	-	-	-	-	-	553.76
Provision for Credit Losses	23.5	24	32	11	-0.5	75.88
Change in Other Net Operating Assets	31.64	6.35	2.84	8.48	3.86	17.59
Other Operating Activities	-11.94	-10.92	11.97	-20.34	5.53	-27.25
Net Cash from Discontinued Operations	-	-	-	-	-	103.66
Operating Cash Flow	141.6	125.21	157.16	110.74	84.79	227.64
Operating Cash Flow Growth	15.11%	-20.33%	41.92%	30.61%	-62.75%	104.12%
Capital Expenditures	-7.71	-4.57	-1.82	-1.5	-1.61	-7.21
Investment in Securities	25.3	413.3	463.59	271.45	-398.83	-450.55
Divestitures	-314.71	-314.71	-	-	-352.81	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-338.77	-403.35	-716.59	-1,522	1,351	1,092
Other Investing Activities	-20.37	-7.92	-29.64	-8.65	23.77	6.67
Investing Cash Flow	-656.27	-317.25	-284.46	-1,261	621.24	641.1
Long-Term Debt Issued	-	1,209	10,451	149.31	-	326.28
Long-Term Debt Repaid	-	-1,277	-10,070	-135.2	-462.06	-582.65
Net Debt Issued (Repaid)	225.75	-68.74	380.78	14.11	-462.06	-256.37
Issuance of Common Stock	100.12	100.12	-	0.27	0.42	0.66
Repurchase of Common Stock	-13.49	-17.54	-23.84	-124.52	-68.71	-0.47
Common Dividends Paid	-39.3	-30.94	-31.71	-24.53	-24.55	-36.25
Preferred Dividends Paid	-	-	-	-	-	-0.31
Total Dividends Paid	-39.3	-30.94	-31.71	-24.53	-24.55	-36.56
Net Increase (Decrease) in Deposit Accounts	-104.2	125.25	306.12	258.32	-154.05	499.66
Other Financing Activities	-21.58	9.06	13.85	84.04	72.86	-97.61
Financing Cash Flow	147.3	117.21	645.19	207.7	-636.1	109.3
Net Cash Flow	-367.36	-74.84	517.89	-942.45	69.93	978.05
Free Cash Flow	133.89	120.64	155.34	109.24	83.18	220.43
Free Cash Flow Growth	10.01%	-22.34%	42.19%	31.33%	-62.26%	118.34%
Free Cash Flow Margin	31.04%	32.08%	40.90%	27.14%	19.13%	71.75%
Free Cash Flow Per Share	3.08	2.82	3.57	2.38	1.68	4.38
Cash Interest Paid	260.88	267.11	194.9	41.83	40.99	103.6
Cash Income Tax Paid	-	-1.43	12.31	28.44	14.82	-13.86

Updated Apr 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q