ASRV vs. EMCF, RIVE, HWBK, UBFO, FNCB, MRBK, LARK, CFBK, OPOF, and UBOH
Should you be buying AmeriServ Financial stock or one of its competitors? The main competitors of AmeriServ Financial include Emclaire Financial (EMCF), Riverview Financial (RIVE), Hawthorn Bancshares (HWBK), United Security Bancshares (UBFO), FNCB Bancorp (FNCB), Meridian (MRBK), Landmark Bancorp (LARK), CF Bankshares (CFBK), Old Point Financial (OPOF), and United Bancshares (UBOH). These companies are all part of the "finance" sector.
Emclaire Financial (NASDAQ:EMCF) and AmeriServ Financial (NASDAQ:ASRV) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, media sentiment, risk, institutional ownership, analyst recommendations, community ranking, earnings, valuation and profitability.
In the previous week, AmeriServ Financial had 2 more articles in the media than Emclaire Financial. MarketBeat recorded 3 mentions for AmeriServ Financial and 1 mentions for Emclaire Financial. Emclaire Financial's average media sentiment score of 1.00 beat AmeriServ Financial's score of 0.00 indicating that AmeriServ Financial is being referred to more favorably in the news media.
8.6% of Emclaire Financial shares are held by institutional investors. Comparatively, 31.5% of AmeriServ Financial shares are held by institutional investors. 15.5% of Emclaire Financial shares are held by company insiders. Comparatively, 9.6% of AmeriServ Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.9%. AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 4.8%. Emclaire Financial pays out 33.7% of its earnings in the form of a dividend. AmeriServ Financial pays out -70.6% 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.
Emclaire Financial has higher earnings, but lower revenue 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.
Emclaire Financial has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500.
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.
Emclaire Financial has a net margin of 25.57% compared to Emclaire Financial's net margin of -3.91%. AmeriServ Financial's return on equity of 12.79% beat Emclaire Financial's return on equity.
Summary
Emclaire Financial beats AmeriServ Financial on 9 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding ASRV and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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