Ames National (NASDAQ:ATLO) 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, earnings, risk, valuation, profitability, institutional ownership and dividends.
Volatility and Risk
Ames National has a beta of 0.66, meaning that its stock price is 34% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.19, meaning that its stock price is 81% less volatile than the S&P 500.
Ames National pays an annual dividend of $0.92 per share and has a dividend yield of 3.4%. AmeriServ Financial pays an annual dividend of $0.08 per share and has a dividend yield of 1.9%. Ames National has raised its dividend for 2 consecutive years and AmeriServ Financial has raised its dividend for 2 consecutive years.
Earnings & Valuation
This table compares Ames National and AmeriServ Financial’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Ames National||$53.79 million||4.74||$13.69 million||N/A||N/A|
|AmeriServ Financial||$59.00 million||1.30||$3.29 million||N/A||N/A|
Ames National has higher earnings, but lower revenue than AmeriServ Financial.
Institutional and Insider Ownership
24.0% of Ames National shares are held by institutional investors. Comparatively, 39.0% of AmeriServ Financial shares are held by institutional investors. 8.4% of Ames National shares are held by company insiders. Comparatively, 10.0% of AmeriServ Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
This table compares Ames National and AmeriServ Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a summary of current ratings for Ames National and AmeriServ Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Ames National beats AmeriServ Financial on 8 of the 11 factors compared between the two stocks.
About Ames National
Ames National Corporation operates as a multi-bank holding company that provides banking services primarily in the central and north central Iowa counties of Boone, Hancock, Marshall, Polk, and Story. The company offers a range of deposits, including checking accounts, savings accounts, time deposits, money market accounts, demand deposits, and certificates of deposit; and loans, such as short-term and medium-term commercial and agricultural real estate loans, residential real estate loans, equipment loans, vehicle loans, personal loans and lines of credit, home improvement loans, and mortgage loans for sale into the secondary market, as well as agricultural and business operating loans and lines of credit. It also provides cash management, merchant credit card processing, safe deposit box and wire transfer, direct deposit of payroll and social security checks, and automated/video teller machine access services, as well as automatic drafts for various accounts. In addition, the company offers farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and Internet banking and trust services. Ames National Corporation was founded in 1903 and is based in Ames, Iowa.
About AmeriServ Financial
AmeriServ Financial Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, money orders, and traveler's checks. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 15 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania; and operates 16 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
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