AmeriServ Financial Inc. (ASRV) vs NSTS Bancorp, Inc. (NSTS)
AmeriServ Financial Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. AmeriServ Financial Inc. and NSTS Bancorp, Inc. are of similar size ($79.3M and $74.1M). NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; AmeriServ Financial Inc. trades at 9.2×. NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against 4.91%. AmeriServ Financial Inc. has the higher net margin (9.51% vs −0.31%) and the higher return on invested capital (4.27% vs −0.09%). Across the 18 metrics below, AmeriServ Financial Inc. leads on 10 and NSTS Bancorp, Inc. on 8.
Valuation
Profitability
| Metric | ASRV | NSTS | Banks Regional median |
|---|---|---|---|
| Gross margin | 68.57% | 77.36% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 9.51% | (0.31%) | 18.66% |
| Free cash flow margin | 0.14% | 113.89% | 21.18% |
| Return on equity | 7.28% | (0.05%) | 10.64% |
| Return on assets | 0.59% | (0.02%) | 1.13% |
| Return on invested capital | 4.27% | (0.09%) | 8.33% |
Growth
Health
Dividend
Size
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