Ameriserv Financial vs Fifth District Bancorp
Fifth District Bancorp is the larger business, with $17.3m of revenue in fiscal 2025 against $14.6m for Ameriserv Financial (1.2 times as much). Fifth District Bancorp grew faster (71.6% against -6.3%). Ameriserv Financial kept more of each dollar of sales as profit: a net margin of 38.3% against 23.7%.
| Latest fiscal year | Ameriserv FinancialASRV, 2025 | Fifth District BancorpFDSB, 2025 |
|---|---|---|
| Revenue | $14.6m | $17.3m |
| Revenue growth | -6.3% | 71.6% |
| Net income | $5.6m | $4.1m |
| Operating margin | — | — |
| Net margin | 38.3% | 23.7% |
| Return on equity | 5.0% | 3.2% |
| Free cash flow | $2.1m | $942,000 |
| Cash | $50.9m | $33.9m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.12 | — |
| Dividend yield | — | — |
| Share buybacks | — | — |
| Employees | 311 | 66 |
| Market value | $80.2m | $92.5m |
| Price vs our value range | — | — |
| Moat score | 30 (Weak) | — |
| Insider trades, 12 months | 2 buys, 2 sales | 0 buys, 10 sales |