Head-To-Head Review: Berkshire Bancorp (OTCMKTS:BERK) and South Plains Financial (NASDAQ:SPFI)

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

Earnings and Valuation

This table compares Berkshire Bancorp and South Plains Financial’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Berkshire Bancorp	$20.05 million	N/A	$2.70 million	N/A	N/A
South Plains Financial	$291.26 million	1.46	$62.74 million	$3.74	6.93

South Plains Financial has higher revenue and earnings than Berkshire Bancorp.

Analyst Recommendations

This is a summary of recent ratings and price targets for Berkshire Bancorp and South Plains Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Berkshire Bancorp	0	0	0	0	N/A
South Plains Financial	0	0	2	0	3.00

South Plains Financial has a consensus price target of $31.00, indicating a potential upside of 19.55%. Given South Plains Financial’s higher possible upside, analysts clearly believe South Plains Financial is more favorable than Berkshire Bancorp.

Insider & Institutional Ownership

55.0% of South Plains Financial shares are held by institutional investors. 70.4% of Berkshire Bancorp shares are held by insiders. Comparatively, 25.4% of South Plains Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Berkshire Bancorp and South Plains Financial’s 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
South Plains Financial	21.23%	11.32%	1.06%

Summary

South Plains Financial beats Berkshire Bancorp on 8 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 South Plains Financial

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company was founded in 1941 and is headquartered in Lubbock, Texas.