Contrasting AmeriServ Financial (ASRV) & Peoples Financial Services (PFIS)

AmeriServ Financial (NASDAQ:ASRV) and Peoples Financial Services (NASDAQ:PFIS) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, analyst recommendations, profitability, dividends, institutional ownership, earnings and valuation.

Valuation and Earnings

This table compares AmeriServ Financial and Peoples Financial Services’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
AmeriServ Financial $59.00 million 1.29 $3.29 million N/A N/A
Peoples Financial Services $91.43 million 3.38 $18.45 million N/A N/A

Peoples Financial Services has higher revenue and earnings than AmeriServ Financial.

Dividends

AmeriServ Financial pays an annual dividend of $0.08 per share and has a dividend yield of 1.9%. Peoples Financial Services pays an annual dividend of $1.32 per share and has a dividend yield of 3.2%. AmeriServ Financial has increased its dividend for 2 consecutive years.

Profitability

This table compares AmeriServ Financial and Peoples Financial Services’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
AmeriServ Financial 7.95% 7.76% 0.64%
Peoples Financial Services 22.20% 8.81% 1.07%

Risk & Volatility

AmeriServ Financial has a beta of 0.21, indicating that its stock price is 79% less volatile than the S&P 500. Comparatively, Peoples Financial Services has a beta of 0.66, indicating that its stock price is 34% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for AmeriServ Financial and Peoples Financial Services, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
AmeriServ Financial 0 0 0 0 N/A
Peoples Financial Services 0 0 0 0 N/A

Insider and Institutional Ownership

39.0% of AmeriServ Financial shares are held by institutional investors. Comparatively, 24.1% of Peoples Financial Services shares are held by institutional investors. 10.0% of AmeriServ Financial shares are held by insiders. Comparatively, 7.7% of Peoples Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Peoples Financial Services beats AmeriServ Financial on 9 of the 12 factors compared between the two stocks.

AmeriServ Financial Company Profile

AmeriServ Financial Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, money orders, and traveler's checks. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 15 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania; and operates 16 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.

Peoples Financial Services Company Profile

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides financial services. The company accepts money market, NOW, savings, individual retirement, and demand deposit accounts, as well as certificates of deposit. Its loan products include residential real estate, automobile, manufactured housing, personal, student, home equity, and credit card loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. The company also offers investment management, IRA trustee, estate administration, living and life insurance trusts, trustee under will, guardianship, custodial/IRA custodial, and corporate trusts services, as well as pension and profit sharing plans. In addition, it provides investment portfolio management, estate and business succession planning, annuities, insurance, education funding strategies, and tax planning; and securities and brokerage, and investor services. Further, the company offers small business checking accounts, merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services. Additionally, it provides remote deposit capture, cash management, night depository, and direct deposit, and official check services, as well as automatic clearing house transactions, automated teller machines, point of sale transactions, and safe deposit boxes. The company serves business, governmental, professional, and retail customers, as well as non-profits and municipal agencies through 27 full-service community banking offices located in Lackawanna, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, Wayne, and Wyoming Counties of Pennsylvania; and Broome County of New York. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.

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