Bank of Marin Bancorp (NASDAQ:BMRC) vs. Berkshire Bancorp (OTCMKTS:BERK) Head-To-Head Comparison

Bank of Marin Bancorp (NASDAQ:BMRC) and Berkshire Bancorp (OTCMKTS:BERK) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, institutional ownership, earnings, profitability, dividends, valuation and analyst recommendations.

Analyst Ratings

This is a summary of current recommendations and price targets for Bank of Marin Bancorp and Berkshire Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of Marin Bancorp	0	1	2	0	2.67
Berkshire Bancorp	0	0	0	0	N/A

Bank of Marin Bancorp presently has a consensus target price of $21.00, suggesting a potential downside of 5.91%. Given Bank of Marin Bancorp’s higher probable upside, equities research analysts clearly believe Bank of Marin Bancorp is more favorable than Berkshire Bancorp.

Insider and Institutional Ownership

52.3% of Bank of Marin Bancorp shares are owned by institutional investors. 5.7% of Bank of Marin Bancorp shares are owned by insiders. Comparatively, 70.4% of Berkshire Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Bank of Marin Bancorp and Berkshire Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of Marin Bancorp	$62.28 million	5.84	$19.90 million	$0.83	26.89
Berkshire Bancorp	$20.05 million	N/A	$2.70 million	N/A	N/A

Bank of Marin Bancorp has higher revenue and earnings than Berkshire Bancorp.

Profitability

This table compares Bank of Marin Bancorp and Berkshire Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of Marin Bancorp	-9.09%	3.25%	0.37%
Berkshire Bancorp	N/A	N/A	N/A

Summary

Bank of Marin Bancorp beats Berkshire Bancorp on 7 of the 9 factors compared between the two stocks.

About Bank of Marin Bancorp

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry, and insured cash sweep services. It also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. The company was incorporated in 1989 and is headquartered in Novato, California.

About Berkshire Bancorp

Berkshire Bancorp Inc. operates as the bank holding company for The Berkshire Bank that provides community banking services primarily to businesses, professionals, and retail customers. The company offers statement savings, NOW, money market deposit, and checking accounts, as well as certificates of deposit. It also provides commercial and industrial, commercial and residential real estate, multi-family real estate, construction, and consumer loans, as well as mortgages and finance leasing services. In addition, the company offers ATM and debit cards; safe deposit boxes; bill pay, collection, remote deposit capture, and foreign exchange services; and mobile, telephone, and online banking services. It operates through two branches located in Manhattan; four branches located in Brooklyn, New York; four branches located in Orange and Sullivan Counties in New York State; and one branch located in Teaneck, New Jersey. Berkshire Bancorp Inc. was founded in 1871 and is headquartered in New York, New York.