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ASRV vs BYFC

ASRV
AmeriServ Financial, Inc.
NEUTRAL
Price
$3.89
Market Cap
$66.0M
Sector
Financial Services
AI Confidence
80%
BYFC
Broadway Financial Corporation
BEARISH
Price
$7.33
Market Cap
$68.2M
Sector
Financial Services
AI Confidence
60%

Valuation

P/E Ratio
ASRV
11.44
BYFC
--
Forward P/E
ASRV
--
BYFC
--
P/B Ratio
ASRV
0.54
BYFC
0.58
P/S Ratio
ASRV
1.2
BYFC
2.1
EV/EBITDA
ASRV
--
BYFC
--

Profitability

Gross Margin
ASRV
0.0%
BYFC
0.0%
Operating Margin
ASRV
13.21%
BYFC
33.23%
Profit Margin
ASRV
10.18%
BYFC
-75.63%
ROE
ASRV
4.95%
BYFC
-8.94%
ROA
ASRV
0.39%
BYFC
-1.81%

Growth

Revenue Growth
ASRV
12.7%
BYFC
0.3%
Earnings Growth
ASRV
74.8%
BYFC
--

Financial Health

Debt/Equity
ASRV
--
BYFC
--
Current Ratio
ASRV
--
BYFC
--
Quick Ratio
ASRV
--
BYFC
--

Dividends

Dividend Yield
ASRV
3.04%
BYFC
--
Payout Ratio
ASRV
35.29%
BYFC
0.0%

AI Verdict

ASRV NEUTRAL

ASRV presents a classic deep-value paradox: it is significantly undervalued relative to its Graham Number ($7.43) and Intrinsic Value ($10.03), trading at a low P/B of 0.54. However, the Piotroski F-Score of 3/9 indicates weak fundamental health, suggesting deteriorating operational efficiency or financial stability. While earnings growth is explosive at 74.8% YoY, the low ROE (4.95%) and bearish technical trend (10/100) offset the valuation appeal. The stock is a high-risk value play where the margin of safety is countered by poor health metrics.

Strengths
Significant undervaluation with P/B of 0.54
Strong earnings growth (74.8% YoY)
Price trades well below Graham Number ($7.43) and Intrinsic Value ($10.03)
Risks
Weak fundamental health indicated by Piotroski F-Score of 3/9
Very low Return on Equity (ROE) of 4.95%
Bearish technical trend (10/100)
BYFC BEARISH

BYFC shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 1/9). Concerns include weak profitability or high valuation.

Strengths
Company has established market presence
Risks
Low profit margin of -75.6%
Weak financial trend (Piotroski F-Score: 1/9)
Weak ROE of -8.9%

Compare Another Pair

ASRV vs BYFC: Head-to-Head Comparison

This page compares AmeriServ Financial, Inc. (ASRV) and Broadway Financial Corporation (BYFC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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