Unity Bancorp (NASDAQ:UNTY) versus Berkshire Bancorp (OTCMKTS:BERK) Head-To-Head Survey

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

Valuation and Earnings

This table compares Berkshire Bancorp and Unity Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Berkshire Bancorp	N/A	N/A	N/A	N/A	N/A
Unity Bancorp	$164.21 million	2.94	$41.45 million	$4.06	11.89

Unity Bancorp has higher revenue and earnings than Berkshire Bancorp.

Insider & Institutional Ownership

42.3% of Unity Bancorp shares are held by institutional investors. 70.4% of Berkshire Bancorp shares are held by company insiders. Comparatively, 28.9% of Unity Bancorp shares are held by company 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.

Profitability

This table compares Berkshire Bancorp and Unity Bancorp’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
Unity Bancorp	25.24%	15.08%	1.59%

Analyst Recommendations

This is a breakdown of recent ratings for Berkshire Bancorp and Unity Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Berkshire Bancorp	0	0	0	0	0.00
Unity Bancorp	0	0	2	0	3.00

Unity Bancorp has a consensus price target of $54.50, suggesting a potential upside of 12.86%. Given Unity Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Unity Bancorp is more favorable than Berkshire Bancorp.

Summary

Unity Bancorp 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 Unity Bancorp

Unity Bancorp, Inc. operates as a bank holding company for Unity Bank that provides range of commercial and retail banking services to individuals, small and medium sized businesses, and professional communities. It offers personal and business checking accounts, time deposits, money market accounts, savings accounts, and retirement accounts, as well as noninterest and interest-bearing demand deposits. The company also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. In addition, it offers credit and debit cards, wire transfer, safe deposit box, automated teller, and internet and mobile banking services; and automated clearing house origination and remote deposit capture services. Unity Bancorp, Inc. was incorporated in 1991 and is headquartered in Clinton, New Jersey.