Blue Foundry Bancorp (NASDAQ:BLFY – Get Free Report) and AmeriServ Financial (NASDAQ:ASRV – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, profitability, valuation, analyst recommendations, institutional ownership, earnings and risk.
Institutional & Insider Ownership
56.5% of Blue Foundry Bancorp shares are owned by institutional investors. Comparatively, 31.5% of AmeriServ Financial shares are owned by institutional investors. 5.3% of Blue Foundry Bancorp shares are owned by company insiders. Comparatively, 7.9% of AmeriServ Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Risk and Volatility
Blue Foundry Bancorp has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Blue Foundry Bancorp | -9.82% | -2.84% | -0.44% |
| AmeriServ Financial | 9.51% | 7.13% | 0.58% |
Earnings & Valuation
This table compares Blue Foundry Bancorp and AmeriServ Financial”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Blue Foundry Bancorp | $49.07 million | 5.60 | -$11.91 million | ($0.46) | -28.78 |
| AmeriServ Financial | $61.41 million | 1.29 | $5.61 million | $0.51 | 9.12 |
AmeriServ Financial has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry 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.
Analyst Recommendations
This is a breakdown of current recommendations for Blue Foundry Bancorp and AmeriServ Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Blue Foundry Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| AmeriServ Financial | 0 | 0 | 1 | 0 | 3.00 |
Summary
AmeriServ Financial beats Blue Foundry Bancorp on 10 of the 13 factors compared between the two stocks.
About Blue Foundry Bancorp
Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.
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.
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