Berkshire Bancorp (OTCMKTS:BERK) and CB Financial Services (NASDAQ:CBFV) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, dividends, institutional ownership, profitability, analyst recommendations, earnings and risk.
CB Financial Services pays an annual dividend of $0.96 per share and has a dividend yield of 3.7%. Berkshire Bancorp does not pay a dividend. CB Financial Services pays out 56.8% of its earnings in the form of a dividend.
This table compares Berkshire Bancorp and CB Financial Services’ top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Berkshire Bancorp||$29.79 million||6.34||$5.62 million||N/A||N/A|
|CB Financial Services||$51.97 million||2.74||$7.05 million||$1.69||15.53|
CB Financial Services has higher revenue and earnings than Berkshire Bancorp.
This is a summary of current recommendations and price targets for Berkshire Bancorp and CB Financial Services, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|CB Financial Services||0||0||0||0||N/A|
Institutional & Insider Ownership
0.1% of Berkshire Bancorp shares are owned by institutional investors. Comparatively, 26.4% of CB Financial Services shares are owned by institutional investors. 70.4% of Berkshire Bancorp shares are owned by company insiders. Comparatively, 7.9% of CB Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This table compares Berkshire Bancorp and CB Financial Services’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|CB Financial Services||18.31%||7.61%||0.83%|
Risk and Volatility
Berkshire Bancorp has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500. Comparatively, CB Financial Services has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500.
CB Financial Services beats Berkshire Bancorp on 8 of the 11 factors compared between the two stocks.
Berkshire Bancorp Company Profile
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 various deposit products, including statement savings accounts, NOW accounts, money market deposits accounts, checking accounts, and certificates of deposit. Its loan portfolio comprises commercial mortgage loans secured by office buildings, retail establishments, multi-family residential real estate, and other types of commercial property; commercial loans offered to businesses for inventory financing, working capital, machinery and equipment purchases, expansion, and other business purposes; and residential mortgage loans secured by first liens on one-to-four family owner-occupied or rental residential real estate, as well as residential single family construction loans, home equity loans and lines of credit, and short-term fixed-rate consumer loans. The company also offers title insurance agency services; and acts as a qualified intermediary in connection with tax free exchanges under Section 1031 of the Internal Revenue Code of 1986. It operates through seven deposit-taking offices in New York City; four deposit-taking offices in Orange and Sullivan counties, New York; and one deposit taking office in Teaneck, New Jersey. The company was founded in 1979 and is based in New York, New York.
CB Financial Services Company Profile
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts. Its loan products comprise residential real estate loans, such as one-to four-family mortgage loans, multifamily mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company provides sweep and insured money sweep, remote electronic deposit, online banking with bill pay, mobile banking, and automated clearing house services; and conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. As of February 20, 2019, it operated 16 offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; 7 offices in Brooke, Marshall, Ohio, Upshur, and Wetzel counties in West Virginia; and 1 office in Belmont County in Ohio. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
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