Berkshire Hills Bancorp (NYSE: BHLB) and Bank Of Kentucky Financial Corp (NASDAQ:BKYF) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, dividends, valuation, earnings, profitabiliy and analyst recommendations.

Profitability

This table compares Berkshire Hills Bancorp and Bank Of Kentucky Financial Corp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Berkshire Hills Bancorp 15.39% 7.05% 0.83%
Bank Of Kentucky Financial Corp 21.85% 8.12% 0.86%

Valuation & Earnings

This table compares Berkshire Hills Bancorp and Bank Of Kentucky Financial Corp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Berkshire Hills Bancorp $306.90 million 4.16 $63.90 million $1.81 20.00
Bank Of Kentucky Financial Corp N/A N/A N/A N/A N/A

Berkshire Hills Bancorp has higher revenue and earnings than Bank Of Kentucky Financial Corp.

Analyst Ratings

This is a breakdown of current ratings for Berkshire Hills Bancorp and Bank Of Kentucky Financial Corp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Berkshire Hills Bancorp 0 3 2 0 2.40
Bank Of Kentucky Financial Corp 0 0 0 0 N/A

Berkshire Hills Bancorp presently has a consensus price target of $35.00, suggesting a potential downside of 3.31%. Given Berkshire Hills Bancorp’s higher probable upside, equities research analysts plainly believe Berkshire Hills Bancorp is more favorable than Bank Of Kentucky Financial Corp.

Insider and Institutional Ownership

63.9% of Berkshire Hills Bancorp shares are owned by institutional investors. 2.8% of Berkshire Hills Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Dividends

Berkshire Hills Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.3%. Bank Of Kentucky Financial Corp does not pay a dividend. Berkshire Hills Bancorp pays out 46.4% of its earnings in the form of a dividend. Bank Of Kentucky Financial Corp has raised its dividend for 2 consecutive years.

Summary

Berkshire Hills Bancorp beats Bank Of Kentucky Financial Corp on 6 of the 11 factors compared between the two stocks.

Berkshire Hills Bancorp Company Profile

Berkshire Hills Bancorp, Inc. (Berkshire) is a holding company for Berkshire Bank (the Bank) and Berkshire Insurance Group. Berkshire offers a range of deposit, lending, insurance and wealth management products to retail, commercial, not-for-profit and municipal customers in its market areas. Berkshire product offerings also include retail and commercial electronic banking, commercial cash management and commercial interest rate swaps. The Bank’s loan portfolio consists of commercial loans, which include residential mortgages, commercial real estate, commercial and industrial loans, and consumer loans. The Bank’s securities available for sale include municipal bonds and obligations, mortgage-backed securities, other bonds and obligations, and marketable equity securities. As of December 5, 2016, the Bank had 99 full service branch offices in Massachusetts, New York, Connecticut, Vermont, New Jersey and Pennsylvania.

Bank Of Kentucky Financial Corp Company Profile

The Bank of Kentucky Financial Corporation is a bank holding company. The Company, through its subsidiary The Bank of Kentucky, Inc. (the Bank), is engaged in the banking business. The Bank provides financial services and other financial solutions through 32 offices located in northern Kentucky. The principal products produced and services rendered by the Bank include commercial banking, consumer banking and trust services. The Bank provides a range of commercial banking services to corporations and other business clients that include loans and deposit services, including checking, lockbox services and other treasury management services. The Bank provides banking services to consumers, including checking, savings and money market accounts, as well as certificates of deposits and individual retirement accounts. It also offers specialized services in the areas of fiduciary services and wealth management.

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