AmeriServ Financial (NASDAQ:ASRV – Get Free Report) and FB Bancorp (NASDAQ:FBLA – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, profitability, valuation, risk, analyst recommendations and institutional ownership.
Insider & Institutional Ownership
31.5% of AmeriServ Financial shares are held by institutional investors. 7.9% of AmeriServ Financial shares are held by company insiders. Comparatively, 3.8% of FB 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 AmeriServ Financial and FB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| AmeriServ Financial | 9.51% | 7.13% | 0.58% |
| FB Bancorp | -0.36% | 0.91% | 0.22% |
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| AmeriServ Financial | $61.41 million | 1.30 | $5.61 million | $0.51 | 9.24 |
| FB Bancorp | $69.94 million | 3.62 | $1.25 million | ($0.01) | -1,588.00 |
AmeriServ Financial has higher earnings, but lower revenue than FB Bancorp. FB Bancorp is trading at a lower price-to-earnings ratio than AmeriServ Financial, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
AmeriServ Financial has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500. Comparatively, FB Bancorp has a beta of -0.08, indicating that its stock price is 108% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent ratings and recommmendations for AmeriServ Financial and FB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| AmeriServ Financial | 0 | 0 | 1 | 0 | 3.00 |
| FB Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Summary
AmeriServ Financial beats FB Bancorp on 11 of the 13 factors compared between the two stocks.
About AmeriServ Financial
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.
About FB Bancorp
FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.
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