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Screener Weekly Summary Pricing

AmeriServ Financial Inc. (ASRV) vs First Seacoast Bancorp Inc. (FSEA)

AmeriServ Financial Inc. and First Seacoast Bancorp Inc. are both Banks Regional companies. AmeriServ Financial Inc. and First Seacoast Bancorp Inc. are of similar size ($80.8M and $79.3M). First Seacoast Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; AmeriServ Financial Inc. trades at 9.2×. AmeriServ Financial Inc. grew revenue faster over the last twelve months: 4.91% against 2.81%. AmeriServ Financial Inc. has the higher net margin (9.51% vs 0.15%) and the higher return on invested capital (4.27% vs −0.32%). Across the 17 metrics below, AmeriServ Financial Inc. leads on 15 and First Seacoast Bancorp Inc. on 2.

Valuation

Metric ASRV FSEA Banks Regional median
P/E 9.18 n/m 12.15
P/S 0.89 2.59 2.37
P/B 0.65 1.16 1.21
Price to free cash flow 630.09 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 3.97 2.27
Earnings yield 10.90% (0.12%) 8.11%
Free cash flow yield 0.16% (0.08%) 8.98%

Profitability

Metric ASRV FSEA Banks Regional median
Gross margin 68.57% 56.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 0.15% 18.66%
Free cash flow margin 0.14% (0.21%) 21.18%
Return on equity 7.28% 0.07% 10.64%
Return on assets 0.59% 0.01% 1.13%
Return on invested capital 4.27% (0.32%) 8.33%

Growth

Metric ASRV FSEA Banks Regional median
Revenue growth (TTM) 4.91% 2.81% 6.61%
EPS growth (last fiscal year) 61.90% (91.67%) —
Revenue growth, 5-year CAGR 6.94% 9.94% 12.30%
Net income growth, 5-year CAGR 4.07% 0.00% 9.71%

Health

Metric ASRV FSEA Banks Regional median
Debt to equity 0.53 0.70 0.22
Current ratio 0.83 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric ASRV FSEA Banks Regional median
Market cap 79.29m 80.82m 921.07m

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