China Construction Bank (OTCMKTS:CICHY – Get Free Report) and AmeriServ Financial (NASDAQ:ASRV – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.
Profitability
This table compares China Construction Bank and AmeriServ Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| China Construction Bank | 27.65% | 9.82% | 0.78% |
| AmeriServ Financial | 9.51% | 7.13% | 0.58% |
Insider and Institutional Ownership
31.5% of AmeriServ Financial shares are held by institutional investors. 7.9% of AmeriServ Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| China Construction Bank | 0 | 1 | 0 | 0 | 2.00 |
| AmeriServ Financial | 0 | 0 | 1 | 0 | 3.00 |
Dividends
China Construction Bank pays an annual dividend of $0.94 per share and has a dividend yield of 3.8%. AmeriServ Financial pays an annual dividend of $0.12 per share and has a dividend yield of 2.5%. China Construction Bank pays out 25.3% of its earnings in the form of a dividend. AmeriServ Financial pays out 23.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Valuation and Earnings
This table compares China Construction Bank and AmeriServ Financial”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| China Construction Bank | $181.98 billion | 1.78 | $47.15 billion | $3.72 | 6.67 |
| AmeriServ Financial | $88.34 million | 0.94 | $5.61 million | $0.51 | 9.58 |
China Construction Bank has higher revenue and earnings than AmeriServ Financial. China Construction Bank is trading at a lower price-to-earnings ratio than AmeriServ Financial, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
China Construction Bank has a beta of 0.11, meaning that its share price is 89% less volatile than the S&P 500. Comparatively, AmeriServ Financial has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500.
Summary
China Construction Bank beats AmeriServ Financial on 8 of the 15 factors compared between the two stocks.
About China Construction Bank
China Construction Bank Corporation provides various banking and related financial services to individuals and corporate customers in the People's Republic of China and internationally. It operates through Corporate Finance Business, Personal Finance Business, Treasury and Asset Management Business, and Others segments. The company accepts various deposits, such as foreign currency, all in one accounts, RMB, corporate term and notification, and corporate demand deposits, as well corporate deposits by agreement. Its loan products include personal business, car, and housing loans; and SME, traditional credit, commercial draft, buyer credit, and RMB credit line loans. The company also offers credit cards; physical gold for personal investment and personal gold accounts; foreign exchange services; certificate treasury and savings bonds, securities deposit accounts, and securities services, as well as bank-securities transfer and book-entry treasury bond over the counter transaction services; and wealth management products. In addition, it provides collection, salaries payment, third-party collection and payment, insurance agency, and remittance services; international settlement and financing, and FI services; securities and fund settlement services; guarantee-based, consulting and advising, and factoring services; fund custody services; and e-banking services. Further, the company offers institutional services comprising services for government agencies, social security, banks cooperation, bank-securities cooperation, bank-insurance cooperation, and services for non-banking financial institutions. China Construction Bank Corporation was founded in 1954 and is headquartered in Beijing, the People's Republic of China.
About AmeriServ Financial
AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. It operates through the following segments: Community Banking, Wealth Management, and Investment or Parent. The Community Banking segment includes both retail and commercial banking activities. The Wealth Management segment involves in the operations of a Trust Company, West Chester Capital Advisors an investment advisory firm, and Financial Services. The Investment or Parent segment offers investment securities, borrowing activities, and general corporate expenses. The company was founded in January 1983 and is headquartered in Johnstown, PA.
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