AmeriServ Financial vs National Bankshares
ASRV and NKSH side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ASRV and NKSH compare
National Bankshares is the larger company, worth 3.1 times as much as AmeriServ Financial ($252M against $80.5M).
On earnings, AmeriServ Financial is cheaper: it trades at 9.3× trailing earnings, against 12.5× for National Bankshares.
National Bankshares grew revenue faster over the last twelve months (9.5% versus 1.9% for AmeriServ Financial).
National Bankshares keeps more of each dollar of sales as profit, with a net margin of 239% compared with 56.6% at AmeriServ Financial.
Both pay dividends: AmeriServ Financial yields 2.5% and National Bankshares 3.9%.
AmeriServ Financial scores higher on the StockData Score (16 against 9 for National Bankshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ASRV | NKSH |
|---|---|---|
| Size and price | ||
| Market cap | $80.5M | $252M |
| Share price | $4.74 | $39.61 |
| Change, 1 year | 54.9% | 32.3% |
| Change, 5 years | 26.4% | 4.3% |
| Beta (5Y) | 0.22 | 0.36 |
| Employees | 311 | 243 |
| StockData Score | ||
| Total score | 16 (better) | 9 |
| Valuation score | 5 (better) | 1 |
| Growth score | 1 | 1 |
| Performance score | 3 (better) | 2 |
| Health score | 4 (better) | 3 |
| Dividend score | 3 (better) | 2 |
| Valuation | ||
| P/E | 9.3× (better) | 12.5× |
| P/S | 5.3× (better) | 29.7× |
| P/B | 0.7× (better) | 1.3× |
| P/FCF | – | 13.7× |
| FCF yield | – | 7.3% |
| Fair value | $6.10 | $39.10 |
| Margin of safety | 22.3% (better) | −1.3% |
| Growth | ||
| Revenue growth (TTM) | 1.9% | 9.5% (better) |
| Revenue growth, 5Y average | 2.7% | 7.7% (better) |
| Net income growth (TTM) | 130% (better) | 80.0% |
| EPS growth (TTM) | 132% (better) | 79.7% |
| EPS growth, 5Y average | 4.7% (better) | 0.08% |
| Profitability | ||
| Net margin | 56.6% | 239% (better) |
| FCF margin | – | 216% |
| Return on equity | 7.3% | 11.3% (better) |
| Financial health | ||
| Altman Z-score | 0.11 | 0.26 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.5% | 3.9% (better) |
| Payout ratio | 23.6% | – |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 3.7% (better) | 1.7% |
| Shareholder yield | 2.5% | 3.9% (better) |
| Ownership | ||
| Held by institutions | 39.2% | 36.2% |
| Held by insiders | 26.4% | 3.3% |
| Insider net buying, 12 months | −$20.4K | $8.0K (better) |
| Short interest, % of float | 1.5% | 1.6% |
Go deeper
- ASRV stock overview
- ASRV income statement
- ASRV valuation and score
- NKSH stock overview
- NKSH income statement
- NKSH valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.