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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 N/A
BERK's Cash-to-Debt is ranked higher than
99% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. BERK: N/A )
Ranked among companies with meaningful Cash-to-Debt only.
BERK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 1.1 Max: No Debt
Current: N/A
WACC vs ROIC
3.79%
-24.02%
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 : 3/10

vs
industry
vs
history
Operating Margin % 694.48
BERK's Operating Margin % is ranked lower than
68% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. BERK: 694.48 )
Ranked among companies with meaningful Operating Margin % only.
BERK' s Operating Margin % Range Over the Past 10 Years
Min: -287.33  Med: 25.55 Max: 694.48
Current: 694.48
-287.33
694.48
Net Margin % 452.60
BERK's Net Margin % is ranked lower than
57% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. BERK: 452.60 )
Ranked among companies with meaningful Net Margin % only.
BERK' s Net Margin % Range Over the Past 10 Years
Min: -267.91  Med: 20.3 Max: 452.6
Current: 452.6
-267.91
452.6
ROE % -5.68
BERK's ROE % is ranked lower than
83% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. BERK: -5.68 )
Ranked among companies with meaningful ROE % only.
BERK' s ROE % Range Over the Past 10 Years
Min: -84.02  Med: 3.36 Max: 48.97
Current: -5.68
-84.02
48.97
ROA % -0.93
BERK's ROA % is ranked lower than
69% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BERK: -0.93 )
Ranked among companies with meaningful ROA % only.
BERK' s ROA % Range Over the Past 10 Years
Min: -7.74  Med: 0.56 Max: 5.89
Current: -0.93
-7.74
5.89
3-Year Revenue Growth Rate 36.70
BERK's 3-Year Revenue Growth Rate is ranked lower than
79% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BERK: 36.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BERK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -45.4  Med: 1.75 Max: 164.9
Current: 36.7
-45.4
164.9
GuruFocus has detected 3 Warning Signs with Berkshire Bancorp Inc $BERK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BERK's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:ASBB, NAS:UBFO, NAS:PKBK, NAS:OVBC, NAS:OPOF, NAS:ENFC, NAS:BOCH, OTCPK:CARE, NYSE:MSL, NAS:PEBK, NAS:TRCB, NAS:NWFL, NAS:TCFC, OTCBB:FKYS, OTCPK:TGRF, NAS:MBCN, NAS:CFFI, OTCPK:QNBC, OTCPK:FVCB, NAS:NBN » details
Headquarter Location:USA
Berkshire Bancorp Inc is a bank holding company. The Company provides banking products and services to businesses, professionals, and retail customers.

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.

Ratios

vs
industry
vs
history
PE Ratio 29.86
BERK's PE Ratio is ranked lower than
91% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. BERK: 29.86 )
Ranked among companies with meaningful PE Ratio only.
BERK' s PE Ratio Range Over the Past 10 Years
Min: 1.16  Med: 15.63 Max: 510
Current: 29.86
1.16
510
PE Ratio without NRI 29.86
BERK's PE Ratio without NRI is ranked lower than
91% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. BERK: 29.86 )
Ranked among companies with meaningful PE Ratio without NRI only.
BERK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.16  Med: 15.63 Max: 510
Current: 29.86
1.16
510
EV-to-EBIT 3.98
BERK's EV-to-EBIT is ranked lower than
71% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. BERK: 3.98 )
Ranked among companies with meaningful EV-to-EBIT only.
BERK' s EV-to-EBIT Range Over the Past 10 Years
Min: -20.1  Med: -0.5 Max: 22.3
Current: 3.98
-20.1
22.3
EV-to-EBITDA 3.75
BERK's EV-to-EBITDA is ranked lower than
70% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. BERK: 3.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
BERK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.5  Med: -0.6 Max: 20.6
Current: 3.75
-23.5
20.6

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
BERK's 3-Year Dividend Growth Rate is ranked lower than
99.99% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BERK: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BERK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 27.1
Current: -100
0
27.1
5-Year Yield-on-Cost % 0.94
BERK's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. BERK: 0.94 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BERK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.88  Med: 1.38 Max: 5.32
Current: 0.94
0.88
5.32

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 0.89
BERK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. BERK: 0.89 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BERK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.63 Max: 195
Current: 0.89
0.19
195
Earnings Yield (Greenblatt) % 25.13
BERK's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. BERK: 25.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BERK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.5  Med: 8.5 Max: 53002.2
Current: 25.13
4.5
53002.2
Forward Rate of Return (Yacktman) % -7.09
BERK's Forward Rate of Return (Yacktman) % is ranked lower than
83% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. BERK: -7.09 )
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: -10.6  Med: 9.6 Max: 21.4
Current: -7.09
-10.6
21.4

More Statistics

Revenue (TTM) (Mil) $26.31
EPS (TTM) $ 0.36
Beta0.26
Short Percentage of Float0.08%
52-Week Range $7.75 - 12.00
Shares Outstanding (Mil)14.42

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