Berkshire Bancorp (OTCMKTS:BERK) vs. BayCom (NASDAQ:BCML) Financial Survey

BayCom (NASDAQ:BCML) and Berkshire Bancorp (OTCMKTS:BERK) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, valuation, earnings and profitability.

Institutional & Insider Ownership

66.2% of BayCom shares are owned by institutional investors. 7.2% of BayCom shares are owned by company insiders. Comparatively, 70.4% of Berkshire Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and price targets for BayCom and Berkshire Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BayCom	0	0	1	0	3.00
Berkshire Bancorp	0	0	0	0	N/A

BayCom presently has a consensus target price of $24.00, suggesting a potential upside of 9.44%. Given BayCom’s higher probable upside, research analysts clearly believe BayCom is more favorable than Berkshire Bancorp.

Profitability

This table compares BayCom and Berkshire Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BayCom	17.88%	7.87%	0.96%
Berkshire Bancorp	N/A	N/A	N/A

Valuation and Earnings

This table compares BayCom and Berkshire Bancorp’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BayCom	$100.51 million	2.45	$27.42 million	$2.21	9.92
Berkshire Bancorp	$20.05 million	N/A	$2.70 million	N/A	N/A

BayCom has higher revenue and earnings than Berkshire Bancorp.

Summary

BayCom beats Berkshire Bancorp on 8 of the 9 factors compared between the two stocks.

About BayCom

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.

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.