Comparing Berkshire Bancorp (OTCMKTS:BERK) & Cambridge Bancorp (NASDAQ:CATC)

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

Earnings and Valuation

This table compares Cambridge Bancorp and Berkshire Bancorp’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cambridge Bancorp	$260.26 million	2.22	$34.11 million	$3.63	20.27
Berkshire Bancorp	$20.05 million	N/A	$2.70 million	N/A	N/A

Cambridge Bancorp has higher revenue and earnings than Berkshire Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Cambridge Bancorp	10.11%	6.67%	0.65%
Berkshire Bancorp	N/A	N/A	N/A

Institutional and Insider Ownership

55.5% of Cambridge Bancorp shares are owned by institutional investors. 4.5% of Cambridge Bancorp shares are owned by insiders. Comparatively, 70.4% of Berkshire Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations for Cambridge Bancorp and Berkshire Bancorp, as reported by MarketBeat.

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

Cambridge Bancorp currently has a consensus target price of $73.15, indicating a potential downside of 0.60%. Given Cambridge Bancorp’s higher possible upside, equities analysts plainly believe Cambridge Bancorp is more favorable than Berkshire Bancorp.

Summary

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

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.

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.