Critical analysis of Berkshire Bancorp (OTCMKTS: BERK) and Citizens Financial Group (NYSE: CFG)

0

Berkshire Bancorp (OTCMKTS:BERK – Get Rating) and Citizens Financial Group (NYSE:CFG – Get Rating) are both finance companies, but which is the better investment? We’ll compare the two companies based on their dividend strength, institutional ownership, earnings, valuation, profitability, analyst recommendations and risk.

Analyst Recommendations

This is a breakdown of the current ratings and recommendations for Berkshire Bancorp and Citizens Financial Group, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Berkshire Bancorp 0 0 0 0 N / A
Citizens Financial Group 1 4 6 0 2.45

Citizens Financial Group has a consensus target price of $54.27, suggesting a potential upside of 34.11%. Given Citizens Financial Group’s possible higher upside, analysts clearly believe that Citizens Financial Group is more favorable than Berkshire Bancorp.

Insider and Institutional Ownership

94.8% of Citizens Financial Group shares are held by institutional investors. 70.4% of Berkshire Bancorp shares are held by insiders. By comparison, 0.5% of Citizens Financial Group shares are held by insiders. Strong institutional ownership indicates that hedge funds, large money managers, and endowments believe a company is poised for long-term growth.

Profitability

This table compares the net margins, return on equity and return on assets of Berkshire Bancorp and Citizens Financial Group.

Net margins Return on equity return on assets
Berkshire Bancorp N / A N / A N / A
Citizens Financial Group 30.67% 10.69% 1.19%

Benefits and evaluation

This table compares the gross revenue, earnings per share and valuation of Berkshire Bancorp and Citizens Financial Group.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Berkshire Bancorp $20.05 million N / A $2.70 million N / A N / A
Citizens Financial Group $6.99 billion 2.87 $2.32 billion $4.72 8.57

Citizens Financial Group has higher revenues and profits than Berkshire Bancorp.

Risk and Volatility

Berkshire Bancorp has a beta of 0.02, suggesting its stock price is 98% less volatile than the S&P 500. By comparison, Citizens Financial Group has a beta of 1.44, suggesting its stock price stock is 44% more volatile than the S&P 500.

Summary

Citizens Financial Group beats Berkshire Bancorp on 9 out of 10 factors compared between the two stocks.

About Berkshire Bancorp (Get a rating)

Berkshire Bancorp Inc. operates as a bank holding company for Berkshire Bank which provides community banking services primarily to businesses, professionals and retail customers. The company offers savings statements, NOW, money market deposits and checking accounts, as well as certificates of deposit. It also offers commercial and industrial real estate, commercial and residential real estate, multi-family real estate, construction and consumer loans, as well as mortgage and leasing services. Additionally, the company offers ATM and debit cards; safes; bill payment, collection, remote deposit capture and currency exchange services; and mobile, telephone and online banking. It operates through two branches located in Manhattan and four branches located in Brooklyn, New York; four branches located in Orange and Sullivan counties in New York State; and a branch located in Teaneck, New Jersey. Berkshire Bancorp Inc. was founded in 1871 and is headquartered in New York, New York.

About Citizens Financial Group (Get a rating)

Citizens Financial Group, Inc. operates as a banking holding company for Citizens Bank, National Association which provides retail and commercial banking products and services to individuals, small businesses, middle market businesses, corporations and institutions in United States. The Company operates in two segments, Consumer Banking and Commercial Banking. The Retail Banking segment offers deposit products, mortgage and home equity loan products, credit cards, business loans, wealth management and investment services; and auto loans, education and point-of-sale financing, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Corporate Banking segment offers various financial products and solutions, including lending and leasing services, deposit and cash management services, foreign exchange solutions, interest rate risk management and commodities, as well as syndicated loans, corporate finance, mergers and acquisitions, debt and equity markets services. This segment serves the government banking, nonprofit, healthcare, technology, professional, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity and sponsor financing. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and non-branch commercial offices in national markets; and approximately 3,300 ATMs. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence , Rhode Island.



Get news and reviews for Berkshire Bancorp Daily – Enter your email address below to receive a concise daily summary of breaking news and analyst ratings for Berkshire Bancorp and related companies with MarketBeat.com’s free daily email newsletter.

Share.

Comments are closed.