AmeriServ Financial Inc (ASRV)vsU.S. Bancorp (USB)
ASRV
AmeriServ Financial Inc
$3.56
-2.73%
FINANCIAL SERVICES · Cap: $51.05M
USB
U.S. Bancorp
$51.89
-0.56%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 49171% more annual revenue ($26.35B vs $53.49M). USB leads profitability with a 28.7% profit margin vs 9.5%. ASRV appears more attractively valued with a PEG of 0.95. USB earns a higher WallStSmart Score of 75/100 (B).
ASRV
Strong Buy68
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$14.04
Current Price
$3.56
$10.48 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 114.3% YoY
Growing faster than its price suggests
Strong operational efficiency at 22.2%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ASRV
The strongest argument for ASRV centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 14.5% demonstrates continued momentum. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : ASRV
The primary concerns for ASRV are Market Cap, Return on Equity, Free Cash Flow.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ASRV profiles as a value stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
ASRV is growing revenue faster at 14.5% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 68/100), backed by strong 28.7% margins. ASRV offers better value entry with a 74.7% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
AmeriServ Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
AmeriServ Financial, Inc. is the banking holding company for AmeriServ Financial Bank offering a variety of consumer, mortgage and commercial financial products. The company is headquartered in Johnstown, Pennsylvania.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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