Head-To-Head Comparison: AmeriServ Financial (ASRV) vs. The Competition

AmeriServ Financial (NASDAQ:ASRV) is one of 131 public companies in the “BANKS – NORTHEAST” industry, but how does it contrast to its rivals? We will compare AmeriServ Financial to similar businesses based on the strength of its valuation, dividends, risk, profitability, institutional ownership, analyst recommendations and earnings.

Valuation and Earnings

This table compares AmeriServ Financial and its rivals gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
AmeriServ Financial	$88.34 million	$5.61 million	11.53
AmeriServ Financial Competitors	$485.32 million	$72.56 million	6.48

AmeriServ Financial’s rivals have higher revenue and earnings than AmeriServ Financial. AmeriServ Financial is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Dividends

AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 3.1%. AmeriServ Financial pays out 35.3% of its earnings in the form of a dividend. As a group, “BANKS – NORTHEAST” companies pay a dividend yield of 2.4% and pay out 30.1% of their earnings in the form of a dividend.

Insider & Institutional Ownership

31.5% of AmeriServ Financial shares are held by institutional investors. Comparatively, 46.4% of shares of all “BANKS – NORTHEAST” companies are held by institutional investors. 7.6% of AmeriServ Financial shares are held by insiders. Comparatively, 10.0% of shares of all “BANKS – NORTHEAST” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

AmeriServ Financial has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, AmeriServ Financial’s rivals have a beta of 0.48, meaning that their average stock price is 52% less volatile than the S&P 500.

Profitability

This table compares AmeriServ Financial and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AmeriServ Financial	6.35%	4.93%	0.39%
AmeriServ Financial Competitors	14.42%	9.07%	0.95%

Analyst Ratings

This is a breakdown of current recommendations for AmeriServ Financial and its rivals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AmeriServ Financial	0	0	1	0	3.00
AmeriServ Financial Competitors	681	3240	2526	166	2.33

As a group, “BANKS – NORTHEAST” companies have a potential upside of 6.31%. Given AmeriServ Financial’s rivals higher possible upside, analysts plainly believe AmeriServ Financial has less favorable growth aspects than its rivals.

Summary

AmeriServ Financial rivals beat AmeriServ Financial on 11 of the 15 factors compared.

AmeriServ Financial Company Profile

AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. It operates through the following segments: Community Banking, Wealth Management, and Investment or Parent. The Community Banking segment includes both retail and commercial banking activities. The Wealth Management segment involves in the operations of a Trust Company, West Chester Capital Advisors an investment advisory firm, and Financial Services. The Investment or Parent segment offers investment securities, borrowing activities, and general corporate expenses. The company was founded in January 1983 and is headquartered in Johnstown, PA.