COMP <GO>
PBHC vs ASRV // EV/EBITDA & P/E VALUATION
Pathfinder Bancorp Inc. (MD) (NASDAQ) VS. AmeriServ Financial Inc. (NASDAQ) • 15-METRIC TALLY: PBHC 1
— ASRV 5
■ METRIC PARITY
LAST: $17.00 (+1.68%) • MKT CAP: $81.9M
valuation
—
LAST: $4.91 (-0.41%) • MKT CAP: $83.7M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBHC VS. ASRV)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBHC | ASRV | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.60% | 4.70% | -6.30 | ASRV | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.72% | 3.81% | +8.91 | PBHC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 38.30% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | -6.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.33% | 2.37% | -0.04 | ASRV | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 4/9 | -1.00 | ASRV | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.7 | 59.0 | -7.31 | ASRV | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 13.9x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $81.9M | $83.7M | -$1.8M | ASRV | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBHC REV | ASRV REV | PBHC GROSS % | ASRV GROSS % | PBHC FCF | ASRV FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $14.6M | — | — | $10.4M | $3.2M |
| FY 2024 | $0 | $15.6M | — | — | $9.1M | $2.7M |
| FY 2023 | $0 | $14.5M | — | — | $15.4M | $6.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBHC // BETA —
ASRV // BETA —