AmeriServ Financial (NASDAQ:ASRV – Get Free Report) is one of 920 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare AmeriServ Financial to related businesses based on the strength of its earnings, profitability, valuation, analyst recommendations, dividends, institutional ownership and risk.
Dividends
AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 2.6%. AmeriServ Financial pays out 22.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.4% and pay out 28.9% of their earnings in the form of a dividend.
Risk and Volatility
AmeriServ Financial has a beta of 0.45, suggesting that its share price is 55% less volatile than the S&P 500. Comparatively, AmeriServ Financial’s rivals have a beta of 0.61, suggesting that their average share price is 39% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current ratings and target prices for AmeriServ Financial and its rivals, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| AmeriServ Financial | 0 | 0 | 1 | 0 | 3.00 |
| AmeriServ Financial Competitors | 7458 | 30171 | 27726 | 1451 | 2.35 |
As a group, “Banks” companies have a potential upside of 15.84%. Given AmeriServ Financial’s rivals higher possible upside, analysts plainly believe AmeriServ Financial has less favorable growth aspects than its rivals.
Valuation and Earnings
This table compares AmeriServ Financial and its rivals top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| AmeriServ Financial | $61.96 million | $5.61 million | 8.57 |
| AmeriServ Financial Competitors | $54.71 billion | $2.41 billion | 16.82 |
AmeriServ Financial’s rivals have higher revenue and earnings than AmeriServ Financial. AmeriServ Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.
Institutional & Insider Ownership
31.5% of AmeriServ Financial shares are owned by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are owned by institutional investors. 7.9% of AmeriServ Financial shares are owned by insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
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 | 10.14% | 7.50% | 0.62% |
| AmeriServ Financial Competitors | 15.72% | 9.53% | 0.93% |
Summary
AmeriServ Financial rivals beat AmeriServ Financial on 12 of the 15 factors compared.
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.
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