Critical comparison: Berkshire Bancorp (OTCMKTS: BERK) and Associated Banc (NYSE: ASB)


Berkshire Bancorp (OTCMKTS: BERK – Get Rating) and Associated Banc (NYSE: ASB – Get Rating) are both finance companies, but which is the best investment? We’ll compare the two companies based on earnings strength, analyst recommendations, valuation, institutional ownership, dividends, risk and profitability.

Volatility and risk

Berkshire Bancorp has a beta of 0.02, suggesting its stock price is 98% less volatile than the S&P 500. In comparison, Associated Banc has a beta of 1.04, suggesting its stock price is 4% more volatile than the S&P 500.

Valuation and benefits

This table compares the revenue, earnings per share (EPS) and valuation of Berkshire Bancorp and Associated Banc.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Berkshire Bancorp $23.65 million N / A $1.21 million N / A N / A
Associated bank $1.13 billion 2.61 $350.99 million $2.08 9.46

Associated Banc has higher revenue and profit than Berkshire Bancorp.

Insider and Institutional Ownership

77.3% of Associated Banc shares are held by institutional investors. 70.4% of Berkshire Bancorp shares are held by insiders. By comparison, 3.0% of Associated Banc shares are held by insiders. Strong institutional ownership indicates that endowments, hedge funds, and large money managers believe a stock is poised for long-term growth.

Analyst Notes

This is a breakdown of the current ratings and recommendations for Berkshire Bancorp and Associated Banc, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Berkshire Bancorp 0 0 0 0 N / A
Associated bank 1 3 1 0 2.00

Associated Banc has a consensus price target of $24.60, suggesting a potential upside of 25.00%. Given Associated Banc’s likely higher upside, analysts clearly believe Associated Banc is more favorable than Berkshire Bancorp.

Profitability

This table compares the net margins, return on equity and return on assets of Berkshire Bancorp and Associated Banc.

Net margins Return on equity return on assets
Berkshire Bancorp N / A N / A N / A
Associated bank 29.68% 8.70% 0.95%

Summary

Associated Banc beats Berkshire Bancorp on 9 out of 10 factors compared between the two stocks.

Berkshire Bancorp Company Profile (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.

Company Profile Associated Banc (Get a rating)

Associated bank logoAssociated Banc-Corp, a bank holding company, provides various banking and non-banking products to individuals and businesses in Wisconsin, Illinois and Minnesota. The Company operates through three segments: Corporate and Commercial Specialty; Community, Consumers and Businesses; and risk management and shared services. Its Corporate and Commercial Specialty segment offers lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leases, asset-based loans and loan syndications; deposit and cash management solutions, such as commercial check and interest-bearing deposit products, safe deposit and night deposit services, liquidity solutions, debt and receivables solutions and services of information ; specialized financial services such as interest rate risk management, foreign exchange solutions and commodity hedging; fiduciary services such as administration of pension, profit sharing and other employee benefit plans, trustee and corporate agency services and institutional asset management; and investable fund solutions such as savings, money market deposit accounts, IRA accounts, CDs, fixed and variable annuities, full service, discount and online investment brokerage; investment advisory services; and trust and investment management accounts. The Company’s Community, Consumer and Business segment offers lending solutions, such as residential mortgages, home equity loans and lines of credit, personal and installment loans, auto loans, business loans and commercial lines of credit; and deposit and transactional solutions such as checks, credit, debit and prepaid cards, online banking and bill payment; and money transfer services. As of December 31, 2021, the company operated 215 bank branches. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.



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