First Seacoast Bancorp (NASDAQ:FSEA) vs. AmeriServ Financial (NASDAQ:ASRV) Head to Head Survey

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

Analyst Recommendations

This is a breakdown of current recommendations for First Seacoast Bancorp and AmeriServ Financial, as reported by MarketBeat.

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

Insider and Institutional Ownership

38.4% of First Seacoast Bancorp shares are owned by institutional investors. Comparatively, 31.5% of AmeriServ Financial shares are owned by institutional investors. 7.8% of First Seacoast Bancorp shares are owned by company insiders. Comparatively, 7.6% of AmeriServ Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

First Seacoast Bancorp has a beta of 0.02, indicating that its stock price is 98% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.47, indicating that its stock price is 53% less volatile than the S&P 500.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Seacoast Bancorp	$28.74 million	2.73	-$850,000.00	($0.24)	-69.67
AmeriServ Financial	$88.34 million	0.70	$5.61 million	$0.33	11.06

AmeriServ Financial has higher revenue and earnings than First Seacoast Bancorp. First Seacoast 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Seacoast Bancorp	-2.94%	-1.36%	-0.14%
AmeriServ Financial	6.20%	4.78%	0.38%

Summary

AmeriServ Financial beats First Seacoast Bancorp on 10 of the 13 factors compared between the two stocks.

About First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.

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.