Analyzing Berkshire Hills Bancorp (NYSE:BHLB) & 1895 Bancorp of Wisconsin (NYSE:BCOW)

Berkshire Hills Bancorp (NYSE:BHLB) and 1895 Bancorp of Wisconsin (NASDAQ:BCOW) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, profitability, institutional ownership, earnings, valuation, risk and analyst recommendations.

Dividends

Berkshire Hills Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 3.0%. 1895 Bancorp of Wisconsin does not pay a dividend. Berkshire Hills Bancorp pays out 33.9% of its earnings in the form of a dividend. Berkshire Hills Bancorp has raised its dividend for 4 consecutive years.

Valuation and Earnings

This table compares Berkshire Hills Bancorp and 1895 Bancorp of Wisconsin’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Berkshire Hills Bancorp $581.06 million 2.39 $105.76 million $2.71 11.25
1895 Bancorp of Wisconsin $19.69 million 2.26 -$20,000.00 N/A N/A

Berkshire Hills Bancorp has higher revenue and earnings than 1895 Bancorp of Wisconsin.

Profitability

This table compares Berkshire Hills Bancorp and 1895 Bancorp of Wisconsin’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Berkshire Hills Bancorp 17.74% 8.19% 1.02%
1895 Bancorp of Wisconsin N/A N/A N/A

Analyst Ratings

This is a summary of recent ratings for Berkshire Hills Bancorp and 1895 Bancorp of Wisconsin, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Berkshire Hills Bancorp 1 2 1 0 2.00
1895 Bancorp of Wisconsin 0 0 0 0 N/A

Berkshire Hills Bancorp presently has a consensus price target of $31.50, indicating a potential upside of 3.28%. Given Berkshire Hills Bancorp’s higher probable upside, research analysts clearly believe Berkshire Hills Bancorp is more favorable than 1895 Bancorp of Wisconsin.

Insider & Institutional Ownership

77.4% of Berkshire Hills Bancorp shares are held by institutional investors. Comparatively, 2.6% of 1895 Bancorp of Wisconsin shares are held by institutional investors. 10.8% of Berkshire Hills Bancorp shares are held by company insiders. Comparatively, 0.9% of 1895 Bancorp of Wisconsin shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Berkshire Hills Bancorp beats 1895 Bancorp of Wisconsin on 12 of the 13 factors compared between the two stocks.

Berkshire Hills Bancorp Company Profile

Berkshire Hills Bancorp, Inc. operates as a bank holding company for Berkshire Bank that provides various banking products and services. It offers various deposit accounts, including demand deposit, NOW, regular savings, money market savings, time certificates of deposit, and retirement deposit accounts; and loans, such as commercial real estate, commercial and industrial, consumer, and residential mortgage loans. The company also provides wealth management services comprising investment management, trust administration, and financial planning; and investment products, financial planning, and brokerage services. In addition, it provides retail and commercial electronic banking, commercial cash management, online banking, and mobile banking services; and debit cards and other electronic fee producing payment services to transaction account customers. Further, the company, through its subsidiary, Berkshire Insurance Group, Inc., offers personal and commercial property, and casualty insurance; employee benefits insurance; and life, health, and financial services insurance products. It serves retail, commercial, not- profit, and municipal deposit customers. As of December 31, 2018, the company operated 115 full-service branches in Massachusetts, New York, Connecticut, Vermont, Central New Jersey, and Eastern Pennsylvania. Berkshire Hills Bancorp, Inc. was founded in 1846 and is headquartered in Boston, Massachusetts.

1895 Bancorp of Wisconsin Company Profile

1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides various financial services. The company accepts non-interest bearing checking, interest bearing checking, money market, statement and health savings, and NOW accounts, as well as certificates of deposit. It also provides commercial real estate, land, and other loans; residential real estate loans, such as first mortgages and construction loans; and consumer loans comprising home equity and lines of credit, new and used automobile loans, boat loans, recreational vehicle loans, loans secured by certificates of deposit, and others, as well as one- to four-family residential real estate and multi-family loans. It operates a network of five full service banking offices in Milwaukee County, two full service banking offices in Waukesha County, and one full service banking office in Ozaukee County, Wisconsin. The company was founded in 1895 and is based in Greenfield, Wisconsin. 1895 Bancorp of Wisconsin, Inc. is a subsidiary of 1895 Bancorp of Wisconsin, MHC.

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