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AmeriServ Financial Inc. (ASRV) vs Fifth District Bancorp, Inc. (FDSB)

AmeriServ Financial Inc. and Fifth District Bancorp, Inc. are both Banks Regional companies. Fifth District Bancorp, Inc. is the larger, with a market value of $88.4M against $75.7M — 1.2× the size. AmeriServ Financial Inc. trades at the lower P/E: 8.9× against 49.7×. AmeriServ Financial Inc. grew revenue faster over the last twelve months: 4.91% against −6.98%. AmeriServ Financial Inc. has the higher net margin (9.51% vs 6.97%) and the higher return on invested capital (4.27% vs 1.10%). Across the 16 metrics below, AmeriServ Financial Inc. leads on 10 and Fifth District Bancorp, Inc. on 6.

Valuation

Metric ASRV FDSB Banks Regional median
P/E 8.90 49.71 11.98
P/S 0.86 3.47 2.34
P/B 0.63 0.64 1.19
Price to free cash flow 611.24 65.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.23% 2.01% 8.23%
Free cash flow yield 0.16% 1.53% 9.08%

Profitability

Metric ASRV FDSB Banks Regional median
Gross margin 68.57% 62.97% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 6.97% 18.66%
Free cash flow margin 0.14% 5.31% 21.11%
Return on equity 7.28% 1.27% 10.65%
Return on assets 0.59% 0.31% 1.13%
Return on invested capital 4.27% 1.10% 8.35%

Growth

Metric ASRV FDSB Banks Regional median
Revenue growth (TTM) 4.91% (6.98%) 6.98%
EPS growth (last fiscal year) 61.90% 480.95% 18.88%
Revenue growth, 5-year CAGR 6.94% — 12.38%
Net income growth, 5-year CAGR 4.07% — 9.71%

Health

Metric ASRV FDSB Banks Regional median
Debt to equity 0.53 0.05 0.22
Current ratio 0.83 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV FDSB Banks Regional median
Dividend yield 2.64% — 2.57%
Payout ratio 0.24 — 0.30

Size

Metric ASRV FDSB Banks Regional median
Market cap 75.73m 88.43m 913.33m

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