AmeriServ Financial Inc. (ASRV) vs Generations Bancorp NY, Inc. (GBNY)
- AmeriServ Financial Inc. ASRV 4.54 +1.79%
- Generations Bancorp NY, Inc. GBNY 16.23 +0.12%
AmeriServ Financial Inc. and Generations Bancorp NY, Inc. are both Banks Regional companies. AmeriServ Financial Inc. is the larger, with a market value of $75.7M against $35.1M — 2.2× the size. Generations Bancorp NY, Inc. has negative trailing earnings, so its P/E is not meaningful; AmeriServ Financial Inc. trades at 8.9×. Generations Bancorp NY, Inc. grew revenue faster over the last twelve months: 19.2% against 4.91%. AmeriServ Financial Inc. has the higher net margin (9.51% vs −13.2%) and the higher return on invested capital (4.27% vs −4.85%). Across the 16 metrics below, AmeriServ Financial Inc. leads on 13 and Generations Bancorp NY, Inc. on 3.
Valuation
Profitability
| Metric | ASRV | GBNY | Banks Regional median |
|---|---|---|---|
| Gross margin | 68.57% | 51.21% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 9.51% | (13.15%) | 18.66% |
| Free cash flow margin | 0.14% | (0.21%) | 21.11% |
| Return on equity | 7.28% | (7.27%) | 10.65% |
| Return on assets | 0.59% | (0.66%) | 1.13% |
| Return on invested capital | 4.27% | (4.85%) | 8.35% |
Growth
Health
Dividend
Size
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