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Screener Weekly Summary Pricing

AmeriServ Financial Inc. (ASRV) vs Summit State Bank (SSBI)

AmeriServ Financial Inc. and Summit State Bank are both Banks Regional companies. AmeriServ Financial Inc. and Summit State Bank are of similar size ($81.7M and $79.3M). AmeriServ Financial Inc. trades at the lower P/E: 9.2× against 36.6×. AmeriServ Financial Inc. grew revenue faster over the last twelve months: 4.91% against −7.63%. AmeriServ Financial Inc. has the higher net margin (9.51% vs 3.87%) and the higher return on invested capital (4.27% vs 0.00%). Both pay a dividend; Summit State Bank yields more (6.09% vs 4.12%). Across the 19 metrics below, AmeriServ Financial Inc. leads on 11 and Summit State Bank on 8.

Valuation

Metric ASRV SSBI Banks Regional median
P/E 9.18 36.59 12.15
P/S 0.89 1.44 2.37
P/B 0.65 n/m 1.21
Price to free cash flow 630.09 13.89 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 1.44 2.27
Earnings yield 10.90% 2.73% 8.11%
Free cash flow yield 0.16% 7.20% 8.98%

Profitability

Metric ASRV SSBI Banks Regional median
Gross margin 68.57% 100.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.51% 3.87% 18.66%
Free cash flow margin 0.14% 0.00% 21.18%
Return on equity 7.28% 0.00% 10.64%
Return on assets 0.59% 0.00% 1.13%
Return on invested capital 4.27% 0.00% 8.33%

Growth

Metric ASRV SSBI Banks Regional median
Revenue growth (TTM) 4.91% (7.63%) 6.61%
EPS growth (last fiscal year) 61.90% 287.04% —
Revenue growth, 5-year CAGR 6.94% 7.55% 12.30%
Net income growth, 5-year CAGR 4.07% (8.36%) 9.71%

Health

Metric ASRV SSBI Banks Regional median
Debt to equity 0.53 0.08 0.22
Current ratio 0.83 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASRV SSBI Banks Regional median
Dividend yield 4.12% 6.09% 3.75%
Payout ratio 0.48 0.21 0.27

Size

Metric ASRV SSBI Banks Regional median
Market cap 79.29m 81.73m 921.07m

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