AmeriServ Financial Inc. (ASRV)’s Financial Results Comparing With MBT Financial Corp. (NASDAQ:MBTF)

AmeriServ Financial Inc. (NASDAQ:ASRV) and MBT Financial Corp. (NASDAQ:MBTF) are two firms in the Regional - Northeast Banks that compete against each other. Below is a comparison of their risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
AmeriServ Financial Inc. 4 1.40 N/A 0.44 9.55
MBT Financial Corp. 10 4.78 N/A 0.38 25.77

Demonstrates AmeriServ Financial Inc. and MBT Financial Corp. earnings per share (EPS), top-line revenue and valuation. MBT Financial Corp. appears to has lower earnings, but higher revenue than AmeriServ Financial Inc. Company that presently has a lower P/E ratio means that it is the more affordable of the two businesses. AmeriServ Financial Inc. is presently more affordable than MBT Financial Corp., because it’s trading at a lower P/E ratio.

Profitability

Table 2 has AmeriServ Financial Inc. and MBT Financial Corp.’s return on assets, net margins and return on equity.

Net Margins Return on Equity Return on Assets
AmeriServ Financial Inc. 0.00% 5% 0.4%
MBT Financial Corp. 0.00% 11.2% 1%

Risk and Volatility

AmeriServ Financial Inc.’s current beta is 0.37 and it happens to be 63.00% less volatile than Standard & Poor’s 500. MBT Financial Corp. on the other hand, has 0.36 beta which makes it 64.00% less volatile compared to Standard & Poor’s 500.

Institutional and Insider Ownership

AmeriServ Financial Inc. and MBT Financial Corp. has shares owned by institutional investors as follows: 41.6% and 51.2%. Insiders owned 3.5% of AmeriServ Financial Inc. shares. Insiders Comparatively, owned 3.6% of MBT Financial Corp. shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
AmeriServ Financial Inc. 0.24% 3.23% 0.72% -3% 0% 4.22%
MBT Financial Corp. -4.23% -7.24% -10.31% -13.65% -3.56% 4.73%

For the past year AmeriServ Financial Inc. has weaker performance than MBT Financial Corp.

Summary

MBT Financial Corp. beats AmeriServ Financial Inc. on 8 of the 9 factors.

AmeriServ Financial, Inc. operates as a bank holding company for the 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; safe deposit boxes, holiday club accounts, money orders, and travelerÂ’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 16 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. was founded in 1982 and is headquartered in Johnstown, Pennsylvania.

MBT Financial Corp. operates as the bank holding company for the Monroe Bank & Trust that provides retail and commercial banking, and trust services to small and middle-market businesses and middle-income individuals. It offers checking and savings accounts, time deposits, and IRAs; and commercial loans, personal loans, real estate mortgage loans, and installment loans. The company also provides safe deposit facilities, ATM and night depository facilities, treasury management services, telephone and Internet banking, personal trust, employee benefit, and investment management services. It operates through a network of 20 full service branches in Monroe and Wayne counties, Michigan; and a loan origination and wealth management office in Lenawee County, Michigan. The company was founded in 1858 and is headquartered in Monroe, Michigan.

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