How comparing works here
How do I compare two companies?
Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.
Can I compare an ETF with a stock?
Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.
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Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.
Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.
Relative performance
Rebased so every symbol starts at 0%
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Side by side
Latest annual figures from each company's filings
| Metric | ASRVAMERISERV FINANCIAL INC /PA/ | IBTNInscorp Inc | SSBISummit State Bank | BCSOBancorp of Southern Indiana | Median of the restexcluding ASRV |
|---|---|---|---|---|---|
| Type | Company | Company | Company | Company | |
| Price | $4.77▲ 0.00 (0.00%) | $28.25▼ 0.01 (0.02%) | $12.11▼ 0.04 (0.37%) | $60.00▲ 0.00 (0.00%) | |
| Health scoreComposite of profitability, growth, debt and accounting quality. | 6.0/10 | 10.0/10 | 8.7/10 | not reported | 9.3/10 |
| Market value | $78.8M | $84.0M | $82.0M | $80.9M | |
| Revenue | $14.6M | $29.6M | $35.0M | — | |
| Profit | $5.6M | $4.4M | $6.8M | — | |
| Revenue growthChange in sales versus the prior year. | -6.3% | 15.9% | 6.9% | — | 11.4% |
| Gross marginShare of sales left after the direct cost of producing them. | — | — | — | — | — |
| Operating marginShare of sales left after running the business, before interest and tax. | — | — | — | — | — |
| Profit marginProfit kept from each dollar of sales. | 38.3% | 14.8% | 19.4% | — | 17.1% |
| Free cash flow marginCash left after capital spending, as a share of sales. | — | 1.8% | 18.7% | — | 10.2% |
| Return on equityProfit against the owners' stake in the company. | 4.7% | 5.6% | 6.7% | — | 6.2% |
| Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies. | — | — | — | — | — |
| P/E ratioPrice paid per dollar of annual profit. | 14.04x | 19.16x | 12.07x | — | 15.61x |
| EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies. | — | — | — | — | — |
| Price to book | 0.66x | 1.08x | 0.81x | — | 0.94x |
| Debt to equityTotal liabilities compared with owners' stake. | 11.18x | 12.48x | 8.93x | — | 10.70x |
| Piotroski F-ScoreNine checks of financial strength. Higher is stronger. | 4/6 | 2/7 | 5/7 | 1/1 | 2.0 |
| Bankruptcy riskAltman Z-Score zone. | n/a for banks | not reported | not reported | not reported |
How ASRV compares with the others
- ASRV's profit margin of 38.3% is higher than the median of the other companies selected (17.1%).
- Its revenue grew more slowly than the median of the other companies selected: -6.3% against 11.4%.
- It trades at a lower P/E than the median of the other companies selected: 14.0x against 15.6x.
Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.