AmeriServ Financial Inc. (ASRV) vs 1895 Bancorp of Wisconsin Inc. (BCOW)

AmeriServ Financial Inc. and 1895 Bancorp of Wisconsin Inc. are both Banks Regional companies. AmeriServ Financial Inc. is the larger, with a market value of $79.3M against $57.9M — 1.4× the size. AmeriServ Financial Inc. trades at the lower P/E: 9.2× against 84.3×. 1895 Bancorp of Wisconsin Inc. grew revenue faster over the last twelve months: 9.20% against 4.91%. AmeriServ Financial Inc. has the higher net margin (9.51% vs 3.58%) and the higher return on invested capital (4.27% vs 0.70%). Across the 19 metrics below, AmeriServ Financial Inc. leads on 14 and 1895 Bancorp of Wisconsin Inc. on 5.

Valuation

Metric ASRV BCOW Banks Regional median
P/E 9.18 84.33 12.15
P/S 0.89 2.87 2.37
P/B 0.65 1.26 1.21
Price to free cash flow 630.09 19.91 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 4.66 2.27
Earnings yield 10.90% 1.19% 8.11%
Free cash flow yield 0.16% 5.02% 8.98%

Profitability

Metric ASRV BCOW Banks Regional median
Gross margin 68.57% 61.21% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 3.58% 18.66%
Free cash flow margin 0.14% 0.00% 21.18%
Return on equity 7.28% 1.60% 10.64%
Return on assets 0.59% 0.19% 1.13%
Return on invested capital 4.27% 0.70% 8.33%

Growth

Metric ASRV BCOW Banks Regional median
Revenue growth (TTM) 4.91% 9.20% 6.61%
EPS growth (last fiscal year) 61.90% 268.75% —
Revenue growth, 5-year CAGR 6.94% 6.83% 12.30%
Net income growth, 5-year CAGR 4.07% 1.52% 9.71%

Health

Metric ASRV BCOW Banks Regional median
Debt to equity 0.53 1.41 0.22
Current ratio 0.83 1.13 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV BCOW Banks Regional median
Dividend yield 4.12% — 3.75%
Payout ratio 0.48 0.00 0.27

Size

Metric ASRV BCOW Banks Regional median
Market cap 79.29m 57.91m 921.07m

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