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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 96.92
BERK's Cash to Debt is ranked higher than
86% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. BERK: 96.92 )
BERK' s 10-Year Cash to Debt Range
Min: 0.11   Max: No Debt
Current: 96.92

Equity to Asset 0.16
BERK's Equity to Asset is ranked higher than
94% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BERK: 0.16 )
BERK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.41
Current: 0.16

0.07
0.41
Interest Coverage 1.99
BERK's Interest Coverage is ranked higher than
77% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. BERK: 1.99 )
BERK' s 10-Year Interest Coverage Range
Min: 0.2   Max: 9999.99
Current: 1.99

0.2
9999.99
F-Score: 3
Z-Score: 0.20
WACC vs ROIC
3.91%
65.88%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 36.69
BERK's Operating margin (%) is ranked higher than
84% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. BERK: 36.69 )
BERK' s 10-Year Operating margin (%) Range
Min: -287.33   Max: 84.44
Current: 36.69

-287.33
84.44
Net-margin (%) 29.42
BERK's Net-margin (%) is ranked higher than
87% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. BERK: 29.42 )
BERK' s 10-Year Net-margin (%) Range
Min: -267.91   Max: 70.59
Current: 29.42

-267.91
70.59
ROE (%) 7.91
BERK's ROE (%) is ranked higher than
73% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. BERK: 7.91 )
BERK' s 10-Year ROE (%) Range
Min: -84.02   Max: 100.66
Current: 7.91

-84.02
100.66
ROA (%) 1.17
BERK's ROA (%) is ranked higher than
87% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BERK: 1.17 )
BERK' s 10-Year ROA (%) Range
Min: -8.27   Max: 98.01
Current: 1.17

-8.27
98.01
ROC (Joel Greenblatt) (%) 168.97
BERK's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. BERK: 168.97 )
BERK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -941.39   Max: 1900
Current: 168.97

-941.39
1900
Revenue Growth (3Y)(%) -26.50
BERK's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. BERK: -26.50 )
BERK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 26.1
Current: -26.5

0
26.1
» BERK's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 10.00
BERK's P/E(ttm) is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. BERK: 10.00 )
BERK' s 10-Year P/E(ttm) Range
Min: 1.18   Max: 26.04
Current: 10

1.18
26.04
PE(NRI) 10.00
BERK's PE(NRI) is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. BERK: 10.00 )
BERK' s 10-Year PE(NRI) Range
Min: 1.18   Max: 26.04
Current: 10

1.18
26.04
P/B 0.90
BERK's P/B is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. BERK: 0.90 )
BERK' s 10-Year P/B Range
Min: 0.29   Max: 1.14
Current: 0.9

0.29
1.14
P/S 5.50
BERK's P/S is ranked higher than
66% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. BERK: 5.50 )
BERK' s 10-Year P/S Range
Min: 0.77   Max: 5.59
Current: 5.5

0.77
5.59
PFCF 24.50
BERK's PFCF is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BERK: 24.50 )
BERK' s 10-Year PFCF Range
Min: 0.84   Max: 41.85
Current: 24.5

0.84
41.85
POCF 23.83
BERK's POCF is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. BERK: 23.83 )
BERK' s 10-Year POCF Range
Min: 0.84   Max: 32.82
Current: 23.83

0.84
32.82
EV-to-EBIT -1.77
BERK's EV-to-EBIT is ranked lower than
63% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. BERK: -1.77 )
BERK' s 10-Year EV-to-EBIT Range
Min: -3.6   Max: 21.7
Current: -1.77

-3.6
21.7
Days Sales Outstanding 50.51
BERK's Days Sales Outstanding is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BERK: 50.51 )
BERK' s 10-Year Days Sales Outstanding Range
Min: 16.67   Max: 236.16
Current: 50.51

16.67
236.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
BERK's Dividend Yield is ranked lower than
77% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. BERK: 1.20 )
BERK' s 10-Year Dividend Yield Range
Min: 0.84   Max: 5.32
Current: 1.2

0.84
5.32
Yield on cost (5-Year) 1.20
BERK's Yield on cost (5-Year) is ranked lower than
74% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. BERK: 1.20 )
BERK' s 10-Year Yield on cost (5-Year) Range
Min: 0.84   Max: 5.32
Current: 1.2

0.84
5.32
Share Buyback Rate -26.90
BERK's Share Buyback Rate is ranked higher than
54% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. BERK: -26.90 )
BERK' s 10-Year Share Buyback Rate Range
Min: 27.6   Max: -42.5
Current: -26.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
BERK's Price/Tangible Book is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. BERK: 0.90 )
BERK' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 1.55
Current: 0.9

0.41
1.55
Price/DCF (Projected) 0.50
BERK's Price/DCF (Projected) is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. BERK: 0.50 )
BERK' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 1.39
Current: 0.5

0.19
1.39
Price/Median PS Value 1.20
BERK's Price/Median PS Value is ranked higher than
76% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. BERK: 1.20 )
BERK' s 10-Year Price/Median PS Value Range
Min: 0.19   Max: 1.36
Current: 1.2

0.19
1.36
Price/Graham Number 0.60
BERK's Price/Graham Number is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. BERK: 0.60 )
BERK' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 1.13
Current: 0.6

0.28
1.13
Earnings Yield (Greenblatt) -56.40
BERK's Earnings Yield (Greenblatt) is ranked lower than
57% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BERK: -56.40 )
BERK' s 10-Year Earnings Yield (Greenblatt) Range
Min: -56.4   Max: 7161.5
Current: -56.4

-56.4
7161.5

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 Companys principal activity is the ownership and management of its indirect wholly-owned subsidiary, The Berkshire Bank , a New York State chartered commercial bank. The Bank's principal business consists of gathering deposits from the general public and investing those deposits primarily in loans, debt obligations issued by the U.S. Government and its agencies, debt obligations of business corporations, and mortgage-backed securities. The Bank currently operates from 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, NJ. The Bank 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 most of Orange County, New York. The Bank's principal 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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