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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

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 : 2/10

» BERK's 10-Y Financials


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

» Details

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P/S 5.00
BERK's P/S is ranked lower than
84% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. BERK: 5.00 )
Ranked among companies with meaningful P/S only.
BERK' s 10-Year P/S Range
Min: 0   Max: 5
Current: 5


Dividend & Buy Back

Dividend Yield 1.30
BERK's Dividend Yield is ranked lower than
81% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. BERK: 1.30 )
Ranked among companies with meaningful Dividend Yield only.
BERK' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 1.3

Yield on cost (5-Year) 1.30
BERK's Yield on cost (5-Year) is ranked lower than
83% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. BERK: 1.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BERK' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 1.3

Valuation & Return


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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