First Federal of Northrn Mchgn Bncrp (OTCMKTS:FFNM) and AmeriServ Financial (NASDAQ:ASRV) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, valuation, institutional ownership, risk, profitability, earnings and analyst recommendations.
This is a breakdown of recent recommendations for First Federal of Northrn Mchgn Bncrp and AmeriServ Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Federal of Northrn Mchgn Bncrp||0||0||0||0||N/A|
First Federal of Northrn Mchgn Bncrp pays an annual dividend of $0.20 per share. AmeriServ Financial pays an annual dividend of $0.08 per share and has a dividend yield of 2.0%. AmeriServ Financial has increased its dividend for 3 consecutive years. AmeriServ Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Earnings and Valuation
This table compares First Federal of Northrn Mchgn Bncrp and AmeriServ Financial’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Federal of Northrn Mchgn Bncrp||N/A||N/A||N/A||N/A||N/A|
|AmeriServ Financial||$61.32 million||1.16||$7.77 million||N/A||N/A|
AmeriServ Financial has higher revenue and earnings than First Federal of Northrn Mchgn Bncrp.
Insider & Institutional Ownership
41.1% of AmeriServ Financial shares are owned by institutional investors. 13.5% of First Federal of Northrn Mchgn Bncrp shares are owned by company insiders. Comparatively, 9.7% of AmeriServ Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
This table compares First Federal of Northrn Mchgn Bncrp and AmeriServ Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Federal of Northrn Mchgn Bncrp||N/A||N/A||N/A|
AmeriServ Financial beats First Federal of Northrn Mchgn Bncrp on 7 of the 8 factors compared between the two stocks.
About First Federal of Northrn Mchgn Bncrp
First Federal of Northern Michigan Bancorp, Inc. operates as the bank holding company for First Federal of Northern Michigan that provides various financial services to individuals, families, and businesses. It offers NOW and money market accounts, and savings accounts, as well as certificates of deposit. The company also provides one- to four-family residential real estate mortgages, commercial real estate loans, commercial loans, and consumer loans, as well as investment securities and mortgage-backed securities. It operates through eight full-service facilities located in Alpena, Cheboygan, Emmet, Iosco, Otsego, Montmorency, and Oscoda Counties, Michigan. First Federal of Northern Michigan Bancorp, Inc. was founded in 1957 and is based in Alpena, Michigan.
About AmeriServ Financial
AmeriServ Financial, Inc. offers banking products and services. The bank offers demand deposits and interest and non-interest bearing time and savings deposits. The company's deposits include jumbo deposits and retail time deposits. The bank provides commercial and industrial loans, consumer loans, commercial real estate loans, and other loans and leases. It offers consumer loans, including credit card loans, revolving credit plans, and automotive loans. The company offers commercial real estate loans for land development and on-site construction of industrial, commercial, residential, or farm buildings in the United States; real estate-backed residential loans; and commercial loans collateralized by real estate properties. It offers domestic and foreign commercial and industrial loans. It offers loans for the purpose of financing agricultural production; loans which include planned and unplanned overdrafts, to governments in non-U.S. countries, to their official institutions, and to international and regional institutions. For 2017, the company has an asset value of 1.2 million USD. It has generated a net income of 3,293 USD in December 31, 2017. The company was formerly known as USBANCORP, Inc. and changed its name to AmeriServ Financial, Inc. in May 2001. AmeriServ Financial, Inc. is based in Johnstown, Pennsylvania.
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