Berkshire Bancorp (OTCMKTS:BERK – Get Free Report) and Cambridge Bancorp (NASDAQ:CATC – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, valuation and risk.
Insider and Institutional Ownership
55.5% of Cambridge Bancorp shares are owned by institutional investors. 70.4% of Berkshire Bancorp shares are owned by company insiders. Comparatively, 4.5% of Cambridge Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Berkshire Bancorp and Cambridge Bancorp’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Berkshire Bancorp | N/A | N/A | N/A |
Cambridge Bancorp | 10.11% | 6.67% | 0.65% |
Analyst Ratings
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Berkshire Bancorp | 0 | 0 | 0 | 0 | N/A |
Cambridge Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Cambridge Bancorp has a consensus target price of $73.15, indicating a potential downside of 0.60%. Given Cambridge Bancorp’s higher probable upside, analysts clearly believe Cambridge Bancorp is more favorable than Berkshire Bancorp.
Earnings and Valuation
This table compares Berkshire Bancorp and Cambridge Bancorp’s gross revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Berkshire Bancorp | $20.05 million | N/A | $2.70 million | N/A | N/A |
Cambridge Bancorp | $260.26 million | 2.22 | $34.11 million | $3.63 | 20.27 |
Cambridge Bancorp has higher revenue and earnings than Berkshire Bancorp.
Summary
Cambridge Bancorp beats Berkshire Bancorp on 8 of the 9 factors compared between the two stocks.
About Berkshire Bancorp
Berkshire Bancorp Inc. operates as the bank holding company for The Berkshire Bank that provides community banking services primarily to businesses, professionals, and retail customers. The company offers statement savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit. It also provides commercial and industrial, commercial and residential real estate, multi-family real estate, construction, and consumer loans, as well as mortgages and finance leasing services. In addition, the company offers ATM and debit cards; safe deposit boxes; bill pay, collection, remote deposit capture, and foreign exchange services; and mobile, telephone, and online banking services. It operates through two branches located in Manhattan; four branches located in Brooklyn, New York; four branches located in Orange and Sullivan Counties in New York State; and one branch located in Teaneck, New Jersey. Berkshire Bancorp Inc. was founded in 1871 and is headquartered in New York, New York.
About Cambridge Bancorp
Cambridge Bancorp operates as the bank holding company for Cambridge Trust Company that engages in the provision of commercial and consumer banking, and investment management and trust services. The company accepts various deposits, such as checking, savings, money market, trust, and individual retirement accounts, as well as time and demand deposits, and certificates of deposit. Its loan products include residential and commercial real estate loans; construction loan; residential mortgages and home equity loans; commercial and industrial loans; consumer loans, such as secured and unsecured loans, lines of credit, and personal installment loans; and construction loans. The company also offers cash management, debit and credit cards, online and mobile banking, and payments services. It serves commercial enterprises, non-profit organizations, and individuals. The company operates through a network of banking and wealth management offices located in Massachusetts and New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.
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