Ameriserv Financial vs Texas Community Bancshares
Ameriserv Financial and Texas Community Bancshares are similar in size: $14.6m and $16.4m of revenue in their latest fiscal years. Texas Community Bancshares grew faster (54.0% against -6.3%). Ameriserv Financial kept more of each dollar of sales as profit: a net margin of 38.3% against 17.3%.
| Latest fiscal year | Ameriserv FinancialASRV, 2025 | Texas Community BancsharesTCBS, 2025 |
|---|---|---|
| Revenue | $14.6m | $16.4m |
| Revenue growth | -6.3% | 54.0% |
| Net income | $5.6m | $2.8m |
| Operating margin | — | — |
| Net margin | 38.3% | 17.3% |
| Return on equity | 5.0% | 5.4% |
| Free cash flow | $2.1m | $973,000 |
| Cash | $50.9m | $6.5m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.12 | $0.20 |
| Dividend yield | — | 1.4% |
| Share buybacks | — | $3.2m |
| Employees | 311 | 61 |
| Market value | $80.2m | $49.6m |
| Price vs our value range | — | — |
| Moat score | 30 (Weak) | — |
| Insider trades, 12 months | 2 buys, 2 sales | 1 buys, 2 sales |