Ameriserv Financial vs Bogota Financial
Bogota Financial is the larger business, with $17.2m of revenue in fiscal 2025 against $14.6m for Ameriserv Financial (1.2 times as much). Bogota Financial grew faster (44.9% against -6.3%). Ameriserv Financial kept more of each dollar of sales as profit: a net margin of 38.3% against 12.1%.
| Latest fiscal year | Ameriserv FinancialASRV, 2025 | Bogota FinancialBSBK, 2025 |
|---|---|---|
| Revenue | $14.6m | $17.2m |
| Revenue growth | -6.3% | 44.9% |
| Net income | $5.6m | $2.1m |
| Operating margin | — | — |
| Net margin | 38.3% | 12.1% |
| Return on equity | 5.0% | 1.5% |
| Free cash flow | $2.1m | $3.1m |
| Cash | $50.9m | $35.6m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.12 | — |
| Dividend yield | — | — |
| Share buybacks | — | $1.1m |
| Employees | 311 | 56 |
| Market value | $80.2m | $119m |
| Price vs our value range | — | — |
| Moat score | 30 (Weak) | 28 (Weak) |
| Insider trades, 12 months | 2 buys, 2 sales | 3 buys, 0 sales |