Financial Analysis: Berkshire Hills Bancorp (NYSE:BHLB) Versus Northeast Community Bancorp (OTCMKTS:NECB)
Financial Analysis: Berkshire Hills Bancorp (NYSE:BHLB) Versus Northeast Community Bancorp (OTCMKTS:NECB)
Berkshire Hills Bancorp (NYSE:BHLB – Get Rating) and Northeast Community Bancorp (OTCMKTS:NECB – Get Rating) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their profitability, institutional ownership, earnings, risk, analyst recommendations, valuation and dividends.
Berkshire Hills Bancorp(NYSE：BHLB-GET Rating)和东北社区Bancorp(OTCMKTS：NECB-GET Rating)都是小盘股金融公司，但哪种投资更好？我们将根据这两家公司的盈利能力、机构所有权、收益、风险、分析师建议、估值和股息等方面的实力进行比较。
Analyst Recommendations
分析师建议
This is a summary of current recommendations and price targets for Berkshire Hills Bancorp and Northeast Community Bancorp, as provided by MarketBeat.
这是MarketBeat提供的对Berkshire Hills Bancorp和东北社区Bancorp的当前建议和目标价的摘要。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Berkshire Hills Bancorp | 1 | 1 | 1 | 0 | 2.00 |
| Northeast Community Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| 伯克希尔哈撒韦银行 | 1 | 1 | 1 | 0 | 2.00 |
| 东北社区银行 | 0 | 0 | 1 | 0 | 3.00 |
Berkshire Hills Bancorp presently has a consensus price target of $28.75, suggesting a potential upside of 2.86%. Northeast Community Bancorp has a consensus price target of $12.50, suggesting a potential downside of 2.04%. Given Berkshire Hills Bancorp's higher possible upside, research analysts plainly believe Berkshire Hills Bancorp is more favorable than Northeast Community Bancorp.
伯克希尔哈撒韦公司目前的普遍目标价为28.75美元，这意味着潜在的上行空间为2.86%。东北社区银行的普遍目标价为12.50美元，这意味着潜在的下行幅度为2.04%。考虑到Berkshire Hills Bancorp的较高可能上行空间，研究分析师显然认为Berkshire Hills Bancorp比东北社区Bancorp更有利。
Earnings & Valuation
收益与估值
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Berkshire Hills Bancorp | $472.31 million | 2.70 | $118.66 million | $2.65 | 10.55 |
| Northeast Community Bancorp | $50.76 million | 4.10 | $11.90 million | $0.90 | 14.18 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| 伯克希尔哈撒韦银行 | 4.7231亿美元 | 2.70 | 1.1866亿美元 | $2.65 | 10.55 |
| 东北社区银行 | 5,076万美元 | 4.10 | 1190万美元 | $0.90 | 14.18 |
Berkshire Hills Bancorp has higher revenue and earnings than Northeast Community Bancorp. Berkshire Hills Bancorp is trading at a lower price-to-earnings ratio than Northeast Community Bancorp, indicating that it is currently the more affordable of the two stocks.
伯克希尔银行的收入和收益高于东北社区银行。Berkshire Hills Bancorp的市盈率低于东北社区Bancorp，这表明它目前是两只股票中更负担得起的一只。
Profitability
盈利能力
This table compares Berkshire Hills Bancorp and Northeast Community Bancorp's net margins, return on equity and return on assets.
此表比较了Berkshire Hills Bancorp和东北社区Bancorp的净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| Berkshire Hills Bancorp | 28.30% | 8.08% | 0.77% |
| Northeast Community Bancorp | 25.53% | 5.53% | 1.16% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| 伯克希尔哈撒韦银行 | 28.30% | 8.08% | 0.77% |
| 东北社区银行 | 25.53% | 5.53% | 1.16% |
Volatility & Risk
波动性与风险
Berkshire Hills Bancorp has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500. Comparatively, Northeast Community Bancorp has a beta of 0.61, indicating that its stock price is 39% less volatile than the S&P 500.
Berkshire Hills Bancorp的贝塔系数为1.07，表明其股价的波动性比标准普尔500指数高出7%。相比之下，东北社区银行的贝塔系数为0.61，表明其股价的波动性比标准普尔500指数低39%。
Dividends
分红
Berkshire Hills Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 1.7%. Northeast Community Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.9%. Berkshire Hills Bancorp pays out 18.1% of its earnings in the form of a dividend. Northeast Community Bancorp pays out 26.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Berkshire Hills Bancorp的年度股息为每股0.48美元，股息率为1.7%。东北社区银行每年派息每股0.24美元，股息率为1.9%。Berkshire Hills Bancorp以股息的形式支付了18.1%的收益。东北社区银行以股息的形式支付其收益的26.7%。这两家公司的派息率都很健康，应该能够在未来几年用收益来支付股息。
Insider & Institutional Ownership
内部人与机构所有权
80.6% of Berkshire Hills Bancorp shares are held by institutional investors. Comparatively, 25.8% of Northeast Community Bancorp shares are held by institutional investors. 0.9% of Berkshire Hills Bancorp shares are held by insiders. Comparatively, 2.3% of Northeast Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
伯克希尔哈撒韦公司80.6%的股份由机构投资者持有。相比之下，东北社区银行25.8%的股份由机构投资者持有。Berkshire Hills Bancorp 0.9%的股份由内部人士持有。相比之下，东北社区银行2.3%的股份由内部人士持有。强大的机构持股表明，对冲基金、捐赠基金和大型基金经理相信，从长期来看，一只股票的表现将好于大盘。
Summary
摘要
Berkshire Hills Bancorp beats Northeast Community Bancorp on 9 of the 15 factors compared between the two stocks.
在比较两只股票的15个因素中，有9个是伯克希尔-希尔斯银行击败了东北社区银行。
About Berkshire Hills Bancorp
关于伯克希尔银行
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(获取评级)
Berkshire Hills Bancorp, Inc. operates as the 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 offers electronic banking, commercial cash management, online banking, small business banking, asset based lending, and mobile banking services; and debit cards and other electronic fee producing payment services to transaction account customers. The company serves personal, commercial, non-profit, and municipal deposit customers. As of March 14, 2022, it operated 106 full-service branches in Massachusetts, New York, Connecticut, and Vermont. The company also has commercial banking offices in Providence, Rhode Island and New Haven, Connecticut. Berkshire Hills Bancorp, Inc. was founded in 1846 and is headquartered in Boston, Massachusetts.
Berkshire Hills Bancorp，Inc.是伯克希尔银行的银行控股公司，提供各种银行产品和服务。它提供各种存款账户，包括活期存款、现在存款、定期储蓄、货币市场储蓄、定期存单和退休存款账户；以及贷款，如商业房地产、工商、消费和住宅抵押贷款。该公司还提供财富管理服务，包括投资管理、信托管理和财务规划；以及投资产品、财务规划和经纪服务。此外，它还为交易账户客户提供电子银行、商业现金管理、网上银行、小企业银行、资产贷款和手机银行服务；以及借记卡和其他产生电子费用的支付服务。该公司为个人、商业、非营利和市政存款客户提供服务。截至2022年3月14日，它在马萨诸塞州、纽约、康涅狄格州和佛蒙特州运营着106家全方位服务分支机构。该公司还在普罗维登斯、罗德岛和康涅狄格州纽黑文设有商业银行办事处。伯克希尔公司成立于1846年，总部设在马萨诸塞州波士顿。
About Northeast Community Bancorp
关于东北社区银行
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(获取评级)
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.
东北社区银行是东北社区银行的控股公司，为个人和企业提供金融服务。它接受各种存款工具，包括支票账户、货币市场账户、定期储蓄账户和无息活期账户。该公司还提供建筑、商业和工业、多户和混合用途房地产、非住宅房地产贷款和消费贷款。此外，它还投资于各种类型的流动资产，包括美国国债、市政债券、纽约联邦住房贷款银行的存款、联邦保险机构的存单，以及各种联邦机构以及州和市政府的证券。此外，该公司还提供投资咨询和财务规划服务；以及人寿保险产品和固定利率年金。它在纽约经营着7家提供全方位服务的分支机构，在马萨诸塞州经营着3家提供全方位服务的分支机构；在纽约的怀特普莱恩斯和纽约市以及马萨诸塞州的丹弗斯设有贷款制作办事处。该公司成立于1934年，总部设在纽约州怀特普莱恩斯。
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