AmeriServ Financial (ASRV) Competitors

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

Does the MarketBeat Community favor ASRV or EMCF?

AmeriServ Financial received 16 more outperform votes than Emclaire Financial when rated by MarketBeat users. However, 70.65% of users gave Emclaire Financial an outperform vote while only 61.60% of users gave AmeriServ Financial an outperform vote.

Company	Underperform	Outperform
AmeriServ Financial	Outperform Votes 146 61.60%	Underperform Votes 91 38.40%
Emclaire Financial	Outperform Votes 130 70.65%	Underperform Votes 54 29.35%

Does the media favor ASRV or EMCF?

In the previous week, AmeriServ Financial's average media sentiment score of 1.00 beat Emclaire Financial's score of 0.00 indicating that AmeriServ Financial is being referred to more favorably in the media.

Company	Overall Sentiment
AmeriServ Financial	Positive
Emclaire Financial	Neutral

Do analysts rate ASRV or EMCF?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AmeriServ Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Emclaire Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Which has more volatility & risk, ASRV or EMCF?

AmeriServ Financial has a beta of 0.73, suggesting that its stock price is 27% less volatile than the S&P 500. Comparatively, Emclaire Financial has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500.

Which has better valuation and earnings, ASRV or EMCF?

Emclaire Financial has lower revenue, but higher earnings than AmeriServ Financial. AmeriServ Financial is trading at a lower price-to-earnings ratio than Emclaire Financial, 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	$77.25M	0.58	-$3.35M	-$0.15	-18.07
Emclaire Financial	$41.17M	2.10	$10.17M	$3.68	8.59

Do institutionals & insiders have more ownership in ASRV or EMCF?

31.5% of AmeriServ Financial shares are owned by institutional investors. Comparatively, 8.6% of Emclaire Financial shares are owned by institutional investors. 9.6% of AmeriServ Financial shares are owned by company insiders. Comparatively, 15.5% of Emclaire Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Is ASRV or EMCF a better dividend stock?

AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.4%. Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.9%. AmeriServ Financial pays out -80.0% of its earnings in the form of a dividend. Emclaire Financial pays out 33.7% 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.

Is ASRV or EMCF more profitable?

Emclaire Financial has a net margin of 25.57% compared to AmeriServ Financial's net margin of -3.19%. Emclaire Financial's return on equity of 12.79% beat AmeriServ Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AmeriServ Financial	-3.19%	-2.53%	-0.19%
Emclaire Financial	25.57%	12.79%	0.98%

Summary

Emclaire Financial beats AmeriServ Financial on 9 of the 16 factors compared between the two stocks.