AmeriServ Financial (NASDAQ:ASRV – Get Free Report) and Blue Foundry Bancorp (NASDAQ:BLFY – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, earnings, profitability, institutional ownership and valuation.
Risk & Volatility
AmeriServ Financial has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.55, suggesting that its share price is 45% less volatile than the S&P 500.
Earnings & Valuation
This table compares AmeriServ Financial and Blue Foundry Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| AmeriServ Financial | $88.34 million | 0.97 | $5.61 million | $0.51 | 9.92 |
| Blue Foundry Bancorp | $49.07 million | 5.60 | -$11.91 million | ($0.46) | -28.78 |
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.
Insider & Institutional Ownership
31.5% of AmeriServ Financial shares are held by institutional investors. Comparatively, 56.5% of Blue Foundry Bancorp shares are held by institutional investors. 7.9% of AmeriServ Financial shares are held by insiders. Comparatively, 5.3% of Blue Foundry Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Profitability
This table compares AmeriServ Financial and Blue Foundry Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| AmeriServ Financial | 9.51% | 7.13% | 0.58% |
| Blue Foundry Bancorp | -9.82% | -2.84% | -0.44% |
Analyst Ratings
This is a summary of recent recommendations for AmeriServ Financial and Blue Foundry Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| AmeriServ Financial | 0 | 0 | 1 | 0 | 3.00 |
| Blue Foundry Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Summary
AmeriServ Financial beats Blue Foundry Bancorp on 10 of the 13 factors compared between the two stocks.
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.
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.
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