AmeriServ Financial Inc. (ASRV) vs Central Plains Bancshares, Inc. (CPBI)

AmeriServ Financial Inc. and Central Plains Bancshares, Inc. are both Banks Regional companies. AmeriServ Financial Inc. and Central Plains Bancshares, Inc. are of similar size ($83.9M and $79.3M). AmeriServ Financial Inc. trades at the lower P/E: 9.2× against 16.6×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against 4.91%. Central Plains Bancshares, Inc. has the higher net margin (14.3% vs 9.51%) and the higher return on invested capital (6.28% vs 4.27%). Across the 17 metrics below, Central Plains Bancshares, Inc. leads on 10 and AmeriServ Financial Inc. on 7.

Valuation

Metric ASRV CPBI Banks Regional median
P/E 9.18 16.64 12.15
P/S 0.89 2.39 2.37
P/B 0.65 0.83 1.21
Price to free cash flow 630.09 11.78 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 1.56 2.27
Earnings yield 10.90% 6.01% 8.11%
Free cash flow yield 0.16% 8.49% 8.98%

Profitability

Metric ASRV CPBI Banks Regional median
Gross margin 68.57% 70.23% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 14.33% 18.66%
Free cash flow margin 0.14% 20.28% 21.18%
Return on equity 7.28% 5.15% 10.64%
Return on assets 0.59% 0.85% 1.13%
Return on invested capital 4.27% 6.28% 8.33%

Growth

Metric ASRV CPBI Banks Regional median
Revenue growth (TTM) 4.91% 12.14% 6.61%
EPS growth (last fiscal year) 61.90% 9.38% —
Revenue growth, 5-year CAGR 6.94% — 12.30%
Net income growth, 5-year CAGR 4.07% — 9.71%

Health

Metric ASRV CPBI Banks Regional median
Debt to equity 0.53 0.00 0.22
Current ratio 0.83 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric ASRV CPBI Banks Regional median
Market cap 79.29m 83.86m 921.07m

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