AmeriServ Financial (NASDAQ:ASRV – Get Free Report) and CVB Financial (NASDAQ:CVBF – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, institutional ownership, earnings, profitability and valuation.
Dividends
AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 2.5%. CVB Financial pays an annual dividend of $0.80 per share and has a dividend yield of 3.5%. AmeriServ Financial pays out 23.5% of its earnings in the form of a dividend. CVB Financial pays out 55.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Valuation & Earnings
This table compares AmeriServ Financial and CVB Financial”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| AmeriServ Financial | $88.34 million | 0.92 | $5.61 million | $0.51 | 9.43 |
| CVB Financial | $648.47 million | 6.17 | $209.30 million | $1.45 | 15.69 |
CVB Financial has higher revenue and earnings than AmeriServ Financial. AmeriServ Financial is trading at a lower price-to-earnings ratio than CVB Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for AmeriServ Financial and CVB Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| AmeriServ Financial | 0 | 0 | 1 | 0 | 3.00 |
| CVB Financial | 0 | 1 | 4 | 0 | 2.80 |
CVB Financial has a consensus target price of $26.25, suggesting a potential upside of 15.38%. Given CVB Financial’s higher probable upside, analysts clearly believe CVB Financial is more favorable than AmeriServ Financial.
Volatility and Risk
AmeriServ Financial has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, CVB Financial has a beta of 0.64, meaning that its share price is 36% less volatile than the S&P 500.
Insider & Institutional Ownership
31.5% of AmeriServ Financial shares are owned by institutional investors. Comparatively, 74.2% of CVB Financial shares are owned by institutional investors. 7.9% of AmeriServ Financial shares are owned by insiders. Comparatively, 6.4% of CVB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Profitability
This table compares AmeriServ Financial and CVB Financial’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% |
| CVB Financial | 29.02% | 9.21% | 1.36% |
Summary
CVB Financial beats AmeriServ Financial on 13 of the 16 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 CVB Financial
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
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