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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
BERK's Cash to Debt is ranked higher than
100% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BERK: No Debt )
Ranked among companies with meaningful Cash to Debt only.
BERK' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 2.37 Max: No Debt
Current: No Debt
Equity to Asset 0.18
BERK's Equity to Asset is ranked higher than
90% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BERK: 0.18 )
Ranked among companies with meaningful Equity to Asset only.
BERK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.13 Max: 0.97
Current: 0.18
0.07
0.97
Interest Coverage 1.64
BERK's Interest Coverage is ranked lower than
52% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. BERK: 1.64 )
Ranked among companies with meaningful Interest Coverage only.
BERK' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 1.06 Max: 5.84
Current: 1.64
0.2
5.84
F-Score: 7
WACC vs ROIC
3.15%
12.06%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.28
BERK's Operating margin (%) is ranked lower than
61% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. BERK: 27.28 )
Ranked among companies with meaningful Operating margin (%) only.
BERK' s Operating margin (%) Range Over the Past 10 Years
Min: -287.33  Med: 30.89 Max: 73.23
Current: 27.28
-287.33
73.23
Net-margin (%) 30.45
BERK's Net-margin (%) is ranked higher than
73% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. BERK: 30.45 )
Ranked among companies with meaningful Net-margin (%) only.
BERK' s Net-margin (%) Range Over the Past 10 Years
Min: -267.91  Med: 22.35 Max: 70.59
Current: 30.45
-267.91
70.59
ROE (%) 5.16
BERK's ROE (%) is ranked lower than
73% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. BERK: 5.16 )
Ranked among companies with meaningful ROE (%) only.
BERK' s ROE (%) Range Over the Past 10 Years
Min: -84.02  Med: 4.41 Max: 48.97
Current: 5.16
-84.02
48.97
ROA (%) 0.89
BERK's ROA (%) is ranked higher than
53% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BERK: 0.89 )
Ranked among companies with meaningful ROA (%) only.
BERK' s ROA (%) Range Over the Past 10 Years
Min: -7.74  Med: 0.52 Max: 5.89
Current: 0.89
-7.74
5.89
Revenue Growth (3Y)(%) -43.30
BERK's Revenue Growth (3Y)(%) is ranked lower than
90% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BERK: -43.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BERK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 1.75 Max: 157.6
Current: -43.3
0
157.6
EBITDA Growth (3Y)(%) -57.90
BERK's EBITDA Growth (3Y)(%) is ranked lower than
90% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BERK: -57.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BERK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -17.20 Max: 36.9
Current: -57.9
0
36.9
EPS Growth (3Y)(%) -55.90
BERK's EPS Growth (3Y)(%) is ranked lower than
90% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. BERK: -55.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BERK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -59.3  Med: -12.65 Max: 32.6
Current: -55.9
-59.3
32.6
» BERK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.40
BERK's P/E(ttm) is ranked lower than
76% of the 2140 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. BERK: 16.40 )
Ranked among companies with meaningful P/E(ttm) only.
BERK' s P/E(ttm) Range Over the Past 10 Years
Min: 1.18  Med: 16.91 Max: 26.04
Current: 16.4
1.18
26.04
PE(NRI) 16.40
BERK's PE(NRI) is ranked lower than
73% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. BERK: 16.40 )
Ranked among companies with meaningful PE(NRI) only.
BERK' s PE(NRI) Range Over the Past 10 Years
Min: 1.18  Med: 16.91 Max: 26.04
Current: 16.4
1.18
26.04
P/B 0.80
BERK's P/B is ranked higher than
66% of the 2196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BERK: 0.80 )
Ranked among companies with meaningful P/B only.
BERK' s P/B Range Over the Past 10 Years
Min: 0.29  Med: 0.85 Max: 1.14
Current: 0.8
0.29
1.14
P/S 4.99
BERK's P/S is ranked lower than
86% of the 2510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. BERK: 4.99 )
Ranked among companies with meaningful P/S only.
BERK' s P/S Range Over the Past 10 Years
Min: 0.77  Med: 4.70 Max: 12.25
Current: 4.99
0.77
12.25
PFCF 18.45
BERK's PFCF is ranked lower than
82% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. BERK: 18.45 )
Ranked among companies with meaningful PFCF only.
BERK' s PFCF Range Over the Past 10 Years
Min: 0.84  Med: 16.10 Max: 41.85
Current: 18.45
0.84
41.85
POCF 14.90
BERK's POCF is ranked lower than
81% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.29 vs. BERK: 14.90 )
Ranked among companies with meaningful POCF only.
BERK' s POCF Range Over the Past 10 Years
Min: 0.84  Med: 12.31 Max: 32.82
Current: 14.9
0.84
32.82
EV-to-EBIT 7.73
BERK's EV-to-EBIT is ranked higher than
78% of the 2085 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. BERK: 7.73 )
Ranked among companies with meaningful EV-to-EBIT only.
BERK' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.3  Med: -0.10 Max: 21.7
Current: 7.73
-10.3
21.7
EV-to-EBITDA 7.03
BERK's EV-to-EBITDA is ranked higher than
78% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.12 vs. BERK: 7.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
BERK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12  Med: -0.10 Max: 20
Current: 7.03
-12
20

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.29
BERK's Dividend Yield is ranked lower than
84% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. BERK: 1.29 )
Ranked among companies with meaningful Dividend Yield only.
BERK' s Dividend Yield Range Over the Past 10 Years
Min: 0.84  Med: 1.07 Max: 5.32
Current: 1.29
0.84
5.32
Forward Dividend Yield 1.29
BERK's Forward Dividend Yield is ranked lower than
88% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. BERK: 1.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.29
BERK's Yield on cost (5-Year) is ranked lower than
84% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. BERK: 1.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BERK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.84  Med: 1.07 Max: 5.32
Current: 1.29
0.84
5.32
3-Year Average Share Buyback Ratio -20.20
BERK's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. BERK: -20.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BERK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -42.5  Med: -0.95 Max: 27.6
Current: -20.2
-42.5
27.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
BERK's Price/Tangible Book is ranked higher than
70% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BERK: 0.80 )
Ranked among companies with meaningful Price/Tangible Book only.
BERK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.41  Med: 0.88 Max: 1.55
Current: 0.8
0.41
1.55
Price/Projected FCF 0.40
BERK's Price/Projected FCF is ranked higher than
74% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. BERK: 0.40 )
Ranked among companies with meaningful Price/Projected FCF only.
BERK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.77 Max: 1.2
Current: 0.4
0.19
1.2
Price/Median PS Value 1.06
BERK's Price/Median PS Value is ranked lower than
65% of the 2093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. BERK: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
BERK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.18  Med: 1.05 Max: 7.37
Current: 1.06
0.18
7.37
Price/Graham Number 0.77
BERK's Price/Graham Number is ranked higher than
54% of the 2050 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BERK: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
BERK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 0.87 Max: 1.14
Current: 0.77
0.23
1.14
Earnings Yield (Greenblatt) (%) 12.90
BERK's Earnings Yield (Greenblatt) (%) is ranked higher than
81% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BERK: 12.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BERK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.6  Med: 5.40 Max: 7161.5
Current: 12.9
4.6
7161.5
Forward Rate of Return (Yacktman) (%) 1.66
BERK's Forward Rate of Return (Yacktman) (%) is ranked lower than
75% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. BERK: 1.66 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BERK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.3  Med: 8.90 Max: 24.7
Current: 1.66
-3.3
24.7

More Statistics

Revenue(Mil) $22
EPS $ 0.47
Beta0.17
Short Percentage of Float0.08%
52-Week Range $7.65 - 8.80
Shares Outstanding(Mil)14.42

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Berkshire Bancorp Inc is a Delaware corporation. It is a bank holding company registered under the Bank Holding Company Act of 1956. The Company's principal activity is the ownership and management of its indirect wholly-owned subsidiary, The Berkshire Bank , a New York State chartered commercial bank. The Company's principal business consists of gathering deposits from the general public and investing those deposits in loans, debt obligations issued by the U.S. Government and its agencies, debt obligations of business corporations, and mortgage-backed securities. The Comapny draws its customers principally from the New York City metropolitan area and the Villages of Goshen and Harriman, New York and their surrounding communities, representing of Orange County, New York. Its competitors for deposits are other commercial banks, savings banks, savings and loan associations and credit unions in the Bank's market areas, as well as money market mutual funds, insurance companies, securities brokerage firms and other financial institutions, many of which are substantially larger in size than the Bank. The Company is a bank holding company under federal law and registered as such with the Federal Reserve.

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