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AmeriServ Financial Inc. (ASRV) vs Kentucky First Federal Bancorp (KFFB)

AmeriServ Financial Inc. and Kentucky First Federal Bancorp are both Banks Regional companies. AmeriServ Financial Inc. is the larger, with a market value of $75.7M against $43.8M — 1.7× the size. AmeriServ Financial Inc. trades at the lower P/E: 8.9× against 23.1×. Kentucky First Federal Bancorp grew revenue faster over the last twelve months: 8.53% against 4.91%. AmeriServ Financial Inc. has the higher net margin (9.51% vs 8.91%) and the higher return on invested capital (4.27% vs 1.95%). Both pay a dividend; AmeriServ Financial Inc. yields more (2.64% vs 0.93%). Across the 19 metrics below, AmeriServ Financial Inc. leads on 12 and Kentucky First Federal Bancorp on 7.

Valuation

Metric ASRV KFFB Banks Regional median
P/E 8.90 23.07 11.98
P/S 0.86 2.04 2.34
P/B 0.63 0.87 1.19
Price to free cash flow 611.24 39.31 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.23% 4.34% 8.23%
Free cash flow yield 0.16% 2.54% 9.08%

Profitability

Metric ASRV KFFB Banks Regional median
Gross margin 68.57% 54.81% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 8.91% 18.66%
Free cash flow margin 0.14% 5.19% 21.11%
Return on equity 7.28% 3.87% 10.65%
Return on assets 0.59% 0.52% 1.13%
Return on invested capital 4.27% 1.95% 8.35%

Growth

Metric ASRV KFFB Banks Regional median
Revenue growth (TTM) 4.91% 8.53% 6.98%
EPS growth (last fiscal year) 61.90% 1,080.50% 18.88%
Revenue growth, 5-year CAGR 6.94% 10.94% 12.38%
Net income growth, 5-year CAGR 4.07% 0.96% 9.71%

Health

Metric ASRV KFFB Banks Regional median
Debt to equity 0.53 0.97 0.22
Current ratio 0.83 1.29 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV KFFB Banks Regional median
Dividend yield 2.64% 0.93% 2.57%
Payout ratio 0.24 0.21 0.30

Size

Metric ASRV KFFB Banks Regional median
Market cap 75.73m 43.75m 913.33m

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