AmeriServ Financial Inc. (ASRV) vs Catalyst Bancorp, Inc. (CLST)

AmeriServ Financial Inc. and Catalyst Bancorp, Inc. are both Banks Regional companies. AmeriServ Financial Inc. and Catalyst Bancorp, Inc. are of similar size ($79.3M and $72.2M). AmeriServ Financial Inc. trades at the lower P/E: 9.2× against 31.4×. AmeriServ Financial Inc. grew revenue faster over the last twelve months: 4.91% against −0.32%. Catalyst Bancorp, Inc. has the higher net margin (13.0% vs 9.51%) and the lower return on invested capital (2.84% vs 4.27%). Across the 19 metrics below, Catalyst Bancorp, Inc. leads on 10 and AmeriServ Financial Inc. on 9.

Valuation

Metric ASRV CLST Banks Regional median
P/E 9.18 31.44 12.15
P/S 0.89 4.11 2.37
P/B 0.65 0.78 1.21
Price to free cash flow 630.09 19.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 2.37 2.27
Earnings yield 10.90% 3.18% 8.11%
Free cash flow yield 0.16% 5.04% 8.98%

Profitability

Metric ASRV CLST Banks Regional median
Gross margin 68.57% 73.59% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 12.99% 18.66%
Free cash flow margin 0.14% 20.74% 21.18%
Return on equity 7.28% 2.48% 10.64%
Return on assets 0.59% 0.72% 1.13%
Return on invested capital 4.27% 2.84% 8.33%

Growth

Metric ASRV CLST Banks Regional median
Revenue growth (TTM) 4.91% (0.32%) 6.61%
EPS growth (last fiscal year) 61.90% 171.79% —
Revenue growth, 5-year CAGR 6.94% 10.04% 12.30%
Net income growth, 5-year CAGR 4.07% 0.00% 9.71%

Health

Metric ASRV CLST Banks Regional median
Debt to equity 0.53 0.12 0.22
Current ratio 0.83 1.01 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric ASRV CLST Banks Regional median
Market cap 79.29m 72.20m 921.07m

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