AmeriServ Financial (ASRV) Competitors

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

Which has stronger earnings and valuation, ASRV or LARK?

Landmark Bancorp has lower revenue, but higher earnings than AmeriServ Financial. Landmark Bancorp 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
AmeriServ Financial	$84.48M	0.53	$3.60M	$0.21	12.83
Landmark Bancorp	$62.80M	2.69	$13M	$2.59	11.30

Do insiders & institutionals hold more shares of ASRV or LARK?

31.5% of AmeriServ Financial shares are held by institutional investors. Comparatively, 25.7% of Landmark Bancorp shares are held by institutional investors. 9.6% of AmeriServ Financial shares are held by insiders. Comparatively, 12.8% of Landmark Bancorp 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.

Is ASRV or LARK a better dividend stock?

AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.5%. Landmark Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.9%. AmeriServ Financial pays out 57.1% of its earnings in the form of a dividend. Landmark Bancorp pays out 32.4% 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. Landmark Bancorp has increased its dividend for 6 consecutive years.

Does the MarketBeat Community prefer ASRV or LARK?

Landmark Bancorp received 27 more outperform votes than AmeriServ Financial when rated by MarketBeat users. However, 61.60% of users gave AmeriServ Financial an outperform vote while only 56.17% of users gave Landmark Bancorp an outperform vote.

Company	Underperform	Outperform
AmeriServ Financial	Outperform Votes 146 61.60%	Underperform Votes 91 38.40%
Landmark Bancorp	Outperform Votes 173 56.17%	Underperform Votes 135 43.83%

Does the media prefer ASRV or LARK?

In the previous week, Landmark Bancorp had 2 more articles in the media than AmeriServ Financial. MarketBeat recorded 3 mentions for Landmark Bancorp and 1 mentions for AmeriServ Financial. AmeriServ Financial's average media sentiment score of 1.00 beat Landmark Bancorp's score of 0.30 indicating that AmeriServ Financial is being referred to more favorably in the media.

Company	Overall Sentiment
AmeriServ Financial	Positive
Landmark Bancorp	Neutral

Which has more risk & volatility, ASRV or LARK?

AmeriServ Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500. Comparatively, Landmark Bancorp has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500.

Is ASRV or LARK more profitable?

Landmark Bancorp has a net margin of 14.51% compared to AmeriServ Financial's net margin of 4.26%. Landmark Bancorp's return on equity of 10.51% beat AmeriServ Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AmeriServ Financial	4.26%	3.42%	0.26%
Landmark Bancorp	14.51%	10.51%	0.89%

Summary

Landmark Bancorp beats AmeriServ Financial on 11 of the 18 factors compared between the two stocks.