Grupo Cibest (NYSE:CIB) versus AmeriServ Financial (NASDAQ:ASRV) Head-To-Head Survey

Grupo Cibest (NYSE:CIB) and AmeriServ Financial (NASDAQ:ASRV) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, earnings, risk, analyst recommendations, profitability, dividends and valuation.

Analyst Recommendations

This is a summary of current recommendations and price targets for Grupo Cibest and AmeriServ Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Grupo Cibest	1	5	3	0	2.22
AmeriServ Financial	0	0	1	0	3.00

Grupo Cibest currently has a consensus price target of $90.83, indicating a potential downside of 6.20%. Given Grupo Cibest’s higher probable upside, research analysts plainly believe Grupo Cibest is more favorable than AmeriServ Financial.

Profitability

This table compares Grupo Cibest and AmeriServ Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Grupo Cibest	10.80%	20.87%	2.22%
AmeriServ Financial	9.51%	7.13%	0.58%

Dividends

Grupo Cibest pays an annual dividend of $5.45 per share and has a dividend yield of 5.6%. AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 2.6%. Grupo Cibest pays out 106.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. AmeriServ Financial pays out 23.5% of its earnings in the form of a dividend.

Volatility & Risk

Grupo Cibest has a beta of 0.67, indicating that its share price is 33% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500.

Insider & Institutional Ownership

31.5% of AmeriServ Financial shares are owned by institutional investors. 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 company is poised for long-term growth.

Earnings and Valuation

This table compares Grupo Cibest and AmeriServ Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Grupo Cibest	$10.45 billion	2.20	$764.13 million	$5.13	18.88
AmeriServ Financial	$88.34 million	0.87	$5.61 million	$0.51	8.92

Grupo Cibest has higher revenue and earnings than AmeriServ Financial. AmeriServ Financial is trading at a lower price-to-earnings ratio than Grupo Cibest, indicating that it is currently the more affordable of the two stocks.

Summary

Grupo Cibest beats AmeriServ Financial on 12 of the 16 factors compared between the two stocks.

About Grupo Cibest

Bancolombia S.A., together with its subsidiaries, provides banking products and services in Colombia and internationally. The company operates through nine segments: Banking Colombia, Banking Panama, Banking El Salvador, Banking Guatemala, Trust, Investment Banking, Brokerage, International Banking, and All Other. It offers checking and savings accounts, money market accounts, time deposits, fixed term deposits, and investment products; trade financing, loans funded by domestic development banks, working capital loans, credit cards, personal and vehicle loans, payroll loans, and overdrafts; factoring; and financial and operating leasing services. The company provides hedging instruments, including futures, forwards, options, and swaps; and brokerage, investment advisory, and private banking services comprising selling and distributing equities, futures, foreign currencies, fixed income securities, mutual funds, and structured products. In addition, it offers cash management services; foreign currency and trade finance solutions; letters of credit and bills collection; insurance and bancassurance products; telephone and mobile phone banking services; and online and computer banking services. Further, the company provides project and acquisition finance, loan syndication, corporate loans, debt and equity capital markets, principal investments, mergers and acquisition, hedging strategy advisories, restructurings, and structured financing; mutual and pension funds, private equity funds, payment and corporate trust, and custody; internet-based trading platform; inter-bank lending and repurchase agreements; managing escrow accounts, and investment and real estate funds; credit cards; roadside and medical assistance services; and transportation, maintenance and remodeling, and outsourcing services, as well as provides technology services. Bancolombia S.A. was founded in 1875 and is headquartered in Medellín, Colombia.

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.