Berkshire Bancorp (OTCMKTS:BERK – Get Free Report) and First Community Bankshares (NASDAQ:FCBC – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, earnings, analyst recommendations, dividends, profitability, risk and valuation.
Institutional & Insider Ownership
34.6% of First Community Bankshares shares are held by institutional investors. 70.4% of Berkshire Bancorp shares are held by insiders. Comparatively, 3.6% of First Community Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Analyst Recommendations
This is a summary of recent ratings and price targets for Berkshire Bancorp and First Community Bankshares, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Berkshire Bancorp | 0 | 0 | 0 | 0 | N/A |
| First Community Bankshares | 1 | 0 | 0 | 0 | 1.00 |
Profitability
This table compares Berkshire Bancorp and First Community Bankshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Berkshire Bancorp | N/A | N/A | N/A |
| First Community Bankshares | 29.29% | 11.26% | 1.56% |
Earnings and Valuation
This table compares Berkshire Bancorp and First Community Bankshares’ revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Berkshire Bancorp | $20.05 million | 8.95 | $2.70 million | N/A | N/A |
| First Community Bankshares | $151.50 million | 3.84 | $46.66 million | $2.85 | 10.86 |
First Community Bankshares has higher revenue and earnings than Berkshire Bancorp.
Summary
First Community Bankshares beats Berkshire Bancorp on 7 of the 9 factors compared between the two stocks.
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.
About First Community Bankshares
First Community Bankshares, Inc. operates as the financial holding company for First Community Bank that provides various banking products and services. It offers demand deposit accounts, savings and money market accounts, certificates of deposit, and individual retirement plans; commercial, consumer, and real estate mortgage loans, as well as lines of credit; various credit and debit cards, and automated teller machine card services; and corporate and personal trust services. The company also provides wealth management services, including trust management, estate administration, and investment advisory services; and investment management services. It serves individuals and businesses across various industries, such as education, government, and health services; coal mining and gas extraction; retail trade; construction; manufacturing; tourism; and transportation. As of December 31, 2022, it operates 17 branches in West Virginia; 22 branches in Virginia, 7 branches in North Carolina, and 2 branches in Tennessee. First Community Bankshares, Inc. was founded in 1874 and is headquartered in Bluefield, Virginia.
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