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AmeriServ Financial Inc. (ASRV) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

AmeriServ Financial Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. AmeriServ Financial Inc. is the larger, with a market value of $82.9M against $67.1M — 1.2× the size. AmeriServ Financial Inc. trades at the lower P/E: 9.6× against 10.9×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 8.33% against 4.91%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs 9.51%) and the higher return on invested capital (17.4% vs 4.27%). Only AmeriServ Financial Inc. pays a dividend (2.45%). Across the 19 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 11 and AmeriServ Financial Inc. on 8.

Valuation

Metric ASRV HFBL Banks Regional median
P/E 9.59 10.91 12.02
P/S 0.93 1.92 2.36
P/B 0.67 1.15 1.23
Price to free cash flow 658.36 7.75 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.43% 9.17% 8.21%
Free cash flow yield 0.15% 12.91% 9.23%

Profitability

Metric ASRV HFBL Banks Regional median
Gross margin 68.57% 69.55% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 17.55% 18.82%
Free cash flow margin 0.14% 24.73% 17.97%
Return on equity 7.28% 10.84% 10.28%
Return on assets 0.59% 0.99% 1.13%
Return on invested capital 4.27% 17.37% 8.45%

Growth

Metric ASRV HFBL Banks Regional median
Revenue growth (TTM) 4.91% 8.33% 6.37%
EPS growth (last fiscal year) 61.90% 60.32% 18.85%
Revenue growth, 5-year CAGR 6.94% 6.48% 12.65%
Net income growth, 5-year CAGR 4.07% 2.85% 9.81%

Health

Metric ASRV HFBL Banks Regional median
Debt to equity 0.53 0.06 0.17
Current ratio 0.83 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV HFBL Banks Regional median
Dividend yield 2.45% 0.00% 2.49%
Payout ratio 0.24 0.00 0.29

Size

Metric ASRV HFBL Banks Regional median
Market cap 82.91m 67.06m 934.85m

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