Comparing AmeriServ Financial (NASDAQ:ASRV) and FB Bancorp (NASDAQ:FBLA)

FB Bancorp (NASDAQ:FBLA) and AmeriServ Financial (NASDAQ:ASRV) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, risk, dividends, institutional ownership and profitability.

Institutional and Insider Ownership

31.5% of AmeriServ Financial shares are owned by institutional investors. 3.8% of FB Bancorp shares are owned by insiders. Comparatively, 7.9% of AmeriServ Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings for FB Bancorp and AmeriServ Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FB Bancorp	1	0	0	0	1.00
AmeriServ Financial	0	0	1	0	3.00

Earnings & Valuation

This table compares FB Bancorp and AmeriServ Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FB Bancorp	$53.27 million	4.79	$1.25 million	($0.01)	-1,600.00
AmeriServ Financial	$88.34 million	0.93	$5.61 million	$0.51	9.47

AmeriServ Financial has higher revenue and earnings than FB Bancorp. FB 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.

Risk & Volatility

FB Bancorp has a beta of -0.08, suggesting that its share price is 108% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Profitability

This table compares FB Bancorp and AmeriServ Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FB Bancorp	-0.36%	0.91%	0.22%
AmeriServ Financial	9.51%	7.13%	0.58%

Summary

AmeriServ Financial beats FB Bancorp on 12 of the 13 factors compared between the two stocks.

About FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.

About AmeriServ Financial

AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. It operates through the following segments: Community Banking, Wealth Management, and Investment or Parent. The Community Banking segment includes both retail and commercial banking activities. The Wealth Management segment involves in the operations of a Trust Company, West Chester Capital Advisors an investment advisory firm, and Financial Services. The Investment or Parent segment offers investment securities, borrowing activities, and general corporate expenses. The company was founded in January 1983 and is headquartered in Johnstown, PA.