AmeriServ Financial Inc. (ASRV) vs Auburn National Bancorporation, Inc. (AUBN)

AmeriServ Financial Inc. and Auburn National Bancorporation, Inc. are both Banks Regional companies. Auburn National Bancorporation, Inc. is the larger, with a market value of $92.1M against $82.9M — 1.1× the size. AmeriServ Financial Inc. trades at the lower P/E: 9.6× against 10.7×. AmeriServ Financial Inc. grew revenue faster over the last twelve months: 4.91% against 4.58%. Auburn National Bancorporation, Inc. has the higher net margin (18.6% vs 9.51%) and the lower return on invested capital (0.00% vs 4.27%). Both pay a dividend; Auburn National Bancorporation, Inc. yields more (4.17% vs 2.45%). Across the 19 metrics below, AmeriServ Financial Inc. leads on 10 and Auburn National Bancorporation, Inc. on 9.

Valuation

Metric ASRV AUBN Banks Regional median
P/E 9.59 10.75 12.02
P/S 0.93 2.01 2.36
P/B 0.67 0.96 1.23
Price to free cash flow 658.36 8.71 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.43% 9.31% 8.21%
Free cash flow yield 0.15% 11.48% 9.23%

Profitability

Metric ASRV AUBN Banks Regional median
Gross margin 68.57% 75.98% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 18.60% 18.82%
Free cash flow margin 0.14% 23.02% 17.97%
Return on equity 7.28% 9.32% 10.28%
Return on assets 0.59% 0.79% 1.13%
Return on invested capital 4.27% 0.00% 8.45%

Growth

Metric ASRV AUBN Banks Regional median
Revenue growth (TTM) 4.91% 4.58% 6.37%
EPS growth (last fiscal year) 61.90% 13.66% 18.85%
Revenue growth, 5-year CAGR 6.94% 5.51% 12.65%
Net income growth, 5-year CAGR 4.07% (0.54%) 9.81%

Health

Metric ASRV AUBN Banks Regional median
Debt to equity 0.53 0.00 0.17
Current ratio 0.83 0.79 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV AUBN Banks Regional median
Dividend yield 2.45% 4.17% 2.49%
Payout ratio 0.24 0.45 0.29

Size

Metric ASRV AUBN Banks Regional median
Market cap 82.91m 92.05m 934.85m

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