Welcome to our dedicated page for Berkshire Hills Bancorp SEC filings (Ticker: BHLB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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Morgan Stanley Finance LLC is issuing $2.508 million of Trigger Performance Leveraged Upside Securities (PLUS) maturing 6 July 2028. Each $1,000 note is an unsecured obligation of MSFL, fully and unconditionally guaranteed by Morgan Stanley, and will pay no periodic interest.
Pay-off structure
- Upside: If the final level of each index (S&P 500 & Russell 2000) exceeds its initial level, investors receive principal plus 136 % of the worst performer鈥檚 gain.
- Par: If either index is 鈮� its initial level but both remain 鈮� 70 % of the initial, only principal is returned.
- Downside: If either index closes below its 70 % downside threshold (SPX 4,343.465 / RTY 1,522.525), repayment equals principal 脳 performance of the worst performer, exposing investors to 1 % loss for every 1 % decline; the payment can fall to $0.
Key terms
- Issue/Strike/Pricing date: 30 June 2025 | Maturity: 6 July 2028 (3-year tenor)
- Initial levels: SPX 6,204.95; RTY 2,175.035
- Estimated value on pricing date: $972.30 (97.23 % of issue price) reflecting structuring & hedging costs
- No listing; secondary liquidity solely through MS&Co, which is not obligated to make a market
- Aggregate commissions to dealers: up to $6.25 per note (sold only through fee-based advisory accounts)
- Minimum denomination: $1,000; CUSIP 61778KF44
Risk highlights
- Principal at risk; no minimum repayment
- Linked to the worst performing index, eliminating diversification benefits
- Subject to Morgan Stanley credit risk; MSFL has no independent operations
- Estimated value < issue price; expected secondary price lower than par
- Limited or no secondary market; investors should be prepared to hold to maturity
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