COMP <GO>
UBCP vs ASRV // EV/EBITDA & P/E VALUATION
United Bancorp Inc. (NASDAQ) VS. AmeriServ Financial Inc. (NASDAQ) • 15-METRIC TALLY: UBCP 4
— ASRV 2
■ METRIC PARITY
LAST: $14.16 (-3.02%) • MKT CAP: $83.7M
valuation
—
LAST: $4.91 (-0.41%) • MKT CAP: $83.7M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UBCP VS. ASRV)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UBCP | ASRV | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.00% | 4.70% | +6.30 | UBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -1.58% | 3.81% | -5.39 | ASRV | /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 | 6.55% | 2.37% | +4.18 | UBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.2 | 59.0 | -10.82 | ASRV | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.0x | 13.9x | -3.90 | UBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $83.7M | $83.7M | $39.4K | UBCP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UBCP REV | ASRV REV | UBCP GROSS % | ASRV GROSS % | UBCP FCF | ASRV FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $14.6M | — | — | -$1.3M | $3.2M |
| FY 2024 | $0 | $15.6M | — | — | -$1.2M | $2.7M |
| FY 2023 | $0 | $14.5M | — | — | $9.5M | $6.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UBCP // BETA —
ASRV // BETA —