AmeriServ Financial (ASRV) Competitors

AmeriServ Financial (NASDAQ:ASRV) and Ames National (NASDAQ:ATLO) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their community ranking, institutional ownership, risk, analyst recommendations, valuation, profitability, earnings, dividends and media sentiment.

Which has better earnings and valuation, ASRV or ATLO?

Ames National has lower revenue, but higher earnings than AmeriServ Financial. AmeriServ Financial is trading at a lower price-to-earnings ratio than Ames National, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AmeriServ Financial	$84.48M	0.51	$3.60M	$0.21	12.31
Ames National	$54.81M	3.05	$10.22M	$1.14	16.30

Is ASRV or ATLO more profitable?

Ames National has a net margin of 11.05% compared to AmeriServ Financial's net margin of 4.26%. Ames National's return on equity of 5.94% beat AmeriServ Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AmeriServ Financial	4.26%	3.42%	0.26%
Ames National	11.05%	5.94%	0.48%

Which has more risk & volatility, ASRV or ATLO?

AmeriServ Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500. Comparatively, Ames National has a beta of 0.57, meaning that its stock price is 43% less volatile than the S&P 500.

Do insiders and institutionals have more ownership in ASRV or ATLO?

31.5% of AmeriServ Financial shares are owned by institutional investors. Comparatively, 26.5% of Ames National shares are owned by institutional investors. 9.6% of AmeriServ Financial shares are owned by company insiders. Comparatively, 3.2% of Ames National shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Does the MarketBeat Community believe in ASRV or ATLO?

AmeriServ Financial received 49 more outperform votes than Ames National when rated by MarketBeat users. Likewise, 61.60% of users gave AmeriServ Financial an outperform vote while only 54.49% of users gave Ames National an outperform vote.

Company	Underperform	Outperform
AmeriServ Financial	Outperform Votes 146 61.60%	Underperform Votes 91 38.40%
Ames National	Outperform Votes 97 54.49%	Underperform Votes 81 45.51%

Is ASRV or ATLO a better dividend stock?

AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.6%. Ames National pays an annual dividend of $0.80 per share and has a dividend yield of 4.3%. AmeriServ Financial pays out 57.1% of its earnings in the form of a dividend. Ames National pays out 70.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. AmeriServ Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media refer more to ASRV or ATLO?

In the previous week, Ames National had 2 more articles in the media than AmeriServ Financial. MarketBeat recorded 2 mentions for Ames National and 0 mentions for AmeriServ Financial. Ames National's average media sentiment score of 1.46 beat AmeriServ Financial's score of 1.00 indicating that Ames National is being referred to more favorably in the news media.

Company	Overall Sentiment
AmeriServ Financial	Positive
Ames National	Positive

Summary

Ames National beats AmeriServ Financial on 9 of the 17 factors compared between the two stocks.