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)和東北社區Bancorp(OTCMKTS：NECB-GET Rating)都是小盤股金融公司，但哪種投資更好？我們將根據這兩家公司的盈利能力、機構所有權、收益、風險、分析師建議、估值和股息等方面的實力進行比較。
Analyst Recommendations
分析師建議
This is a summary of current recommendations and price targets for Berkshire Hills Bancorp and Northeast Community Bancorp, as provided by MarketBeat.
這是MarketBeat提供的對Berkshire Hills Bancorp和東北社區Bancorp的當前建議和目標價的摘要。
| 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 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 伯克希爾哈撒韋銀行 | 1 | 1 | 1 | 0 | 2.00 |
| 東北社區銀行 | 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.
伯克希爾哈撒韋公司目前的普遍目標價為28.75美元，這意味着潛在的上行空間為2.86%。東北社區銀行的普遍目標價為12.50美元，這意味着潛在的下行幅度為2.04%。考慮到Berkshire Hills Bancorp的較高可能上行空間，研究分析師顯然認為Berkshire Hills Bancorp比東北社區Bancorp更有利。
Earnings & Valuation
收益與估值
| 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 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 伯克希爾哈撒韋銀行 | 4.7231億美元 | 2.70 | 1.1866億美元 | $2.65 | 10.55 |
| 東北社區銀行 | 5,076萬美元 | 4.10 | 1190萬美元 | $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.
伯克希爾銀行的收入和收益高於東北社區銀行。Berkshire Hills Bancorp的市盈率低於東北社區Bancorp，這表明它目前是兩隻股票中更負擔得起的一隻。
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.
此表比較了Berkshire Hills Bancorp和東北社區Bancorp的淨利潤率、股本回報率和資產回報率。
| 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% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 伯克希爾哈撒韋銀行 | 28.30% | 8.08% | 0.77% |
| 東北社區銀行 | 25.53% | 5.53% | 1.16% |
Volatility & Risk
波動性與風險
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的貝塔係數為1.07，表明其股價的波動性比標準普爾500指數高出7%。相比之下，東北社區銀行的貝塔係數為0.61，表明其股價的波動性比標準普爾500指數低39%。
Dividends
分紅
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的年度股息為每股0.48美元，股息率為1.7%。東北社區銀行每年派息每股0.24美元，股息率為1.9%。Berkshire Hills Bancorp以股息的形式支付了18.1%的收益。東北社區銀行以股息的形式支付其收益的26.7%。這兩家公司的派息率都很健康，應該能夠在未來幾年用收益來支付股息。
Insider & Institutional Ownership
內部人與機構所有權
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.
伯克希爾哈撒韋公司80.6%的股份由機構投資者持有。相比之下，東北社區銀行25.8%的股份由機構投資者持有。Berkshire Hills Bancorp 0.9%的股份由內部人士持有。相比之下，東北社區銀行2.3%的股份由內部人士持有。強大的機構持股表明，對衝基金、捐贈基金和大型基金經理相信，從長期來看，一隻股票的表現將好於大盤。
Summary
摘要
Berkshire Hills Bancorp beats Northeast Community Bancorp on 9 of the 15 factors compared between the two stocks.
在比較兩隻股票的15個因素中，有9個是伯克希爾-希爾斯銀行擊敗了東北社區銀行。
About Berkshire Hills Bancorp
關於伯克希爾銀行
(Get Rating)
(獲取評級)
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.是伯克希爾銀行的銀行控股公司，提供各種銀行產品和服務。它提供各種存款賬户，包括活期存款、現在存款、定期儲蓄、貨幣市場儲蓄、定期存單和退休存款賬户；以及貸款，如商業房地產、工商、消費和住宅抵押貸款。該公司還提供財富管理服務，包括投資管理、信託管理和財務規劃；以及投資產品、財務規劃和經紀服務。此外，它還為交易賬户客户提供電子銀行、商業現金管理、網上銀行、小企業銀行、資產貸款和手機銀行服務；以及借記卡和其他產生電子費用的支付服務。該公司為個人、商業、非營利和市政存款客户提供服務。截至2022年3月14日，它在馬薩諸塞州、紐約、康涅狄格州和佛蒙特州運營着106家全方位服務分支機構。該公司還在普羅維登斯、羅德島和康涅狄格州紐黑文設有商業銀行辦事處。伯克希爾公司成立於1846年，總部設在馬薩諸塞州波士頓。
About Northeast Community Bancorp
關於東北社區銀行
(Get Rating)
(獲取評級)
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.
東北社區銀行是東北社區銀行的控股公司，為個人和企業提供金融服務。它接受各種存款工具，包括支票賬户、貨幣市場賬户、定期儲蓄賬户和無息活期賬户。該公司還提供建築、商業和工業、多户和混合用途房地產、非住宅房地產貸款和消費貸款。此外，它還投資於各種類型的流動資產，包括美國國債、市政債券、紐約聯邦住房貸款銀行的存款、聯邦保險機構的存單，以及各種聯邦機構以及州和市政府的證券。此外，該公司還提供投資諮詢和財務規劃服務；以及人壽保險產品和固定利率年金。它在紐約經營着7家提供全方位服務的分支機構，在馬薩諸塞州經營着3家提供全方位服務的分支機構；在紐約的懷特普萊恩斯和紐約市以及馬薩諸塞州的丹弗斯設有貸款製作辦事處。該公司成立於1934年，總部設在紐約州懷特普萊恩斯。
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