AmeriServ Financial (ASRV) Competitors

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

Is UBFO or ASRV a better dividend stock?

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.0%. AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.3%. United Security Bancshares pays out 47.1% of its earnings in the form of a dividend. AmeriServ Financial pays out 57.1% 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. United Security Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do insiders and institutionals hold more shares of UBFO or ASRV?

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 31.5% of AmeriServ Financial shares are owned by institutional investors. 20.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 9.6% of AmeriServ Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Which has higher valuation and earnings, UBFO or ASRV?

United Security Bancshares has higher earnings, but lower revenue than AmeriServ Financial. United Security Bancshares is trading at a lower price-to-earnings ratio than AmeriServ 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
United Security Bancshares	$65.95M	2.52	$19.80M	$1.02	9.40
AmeriServ Financial	$84.48M	0.55	-$3.35M	$0.21	13.33

Which has more volatility & risk, UBFO or ASRV?

United Security Bancshares has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500.

Does the media prefer UBFO or ASRV?

In the previous week, United Security Bancshares had 6 more articles in the media than AmeriServ Financial. MarketBeat recorded 9 mentions for United Security Bancshares and 3 mentions for AmeriServ Financial. United Security Bancshares' average media sentiment score of 1.40 beat AmeriServ Financial's score of 1.00 indicating that United Security Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
United Security Bancshares	Positive
AmeriServ Financial	Positive

Does the MarketBeat Community prefer UBFO or ASRV?

AmeriServ Financial received 58 more outperform votes than United Security Bancshares when rated by MarketBeat users. Likewise, 61.60% of users gave AmeriServ Financial an outperform vote while only 41.51% of users gave United Security Bancshares an outperform vote.

Company	Underperform	Outperform
United Security Bancshares	Outperform Votes 88 41.51%	Underperform Votes 124 58.49%
AmeriServ Financial	Outperform Votes 146 61.60%	Underperform Votes 91 38.40%

Is UBFO or ASRV more profitable?

United Security Bancshares has a net margin of 25.78% compared to AmeriServ Financial's net margin of 4.26%. United Security Bancshares' return on equity of 13.96% beat AmeriServ Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
United Security Bancshares	25.78%	13.96%	1.45%
AmeriServ Financial	4.26%	3.42%	0.26%

Summary

United Security Bancshares beats AmeriServ Financial on 11 of the 17 factors compared between the two stocks.