Which has the lower trailing P/E, ASRV or HFBL?

ASRV has the lower trailing P/E: ASRV trades at 9.01 and HFBL at 12.36. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ASRV or HFBL?

Over the past five years, ASRV grew revenue faster — ASRV at a 6.89% CAGR versus HFBL at 6.07%.

Does ASRV or HFBL pay a bigger dividend?

ASRV yields 2.71% and HFBL yields 2.30% based on trailing dividends and the latest price.

Is ASRV or HFBL more profitable?

HFBL runs the higher net margin — ASRV at 9.51% versus HFBL at 18.16%.

How have ASRV and HFBL total returns compared?

Over the past 10 years, ASRV delivered 6.22% and HFBL delivered 10.12% annualized total return. Past performance doesn't predict future results.

AmeriServ Financial, Inc. (ASRV) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

A side-by-side comparison of AmeriServ Financial, Inc. and Home Federal Bancorp, Inc. of Louisiana across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ASRV

AmeriServ Financial, Inc.

$78M

$4.57Financial ServicesDelayed quote: Oct 6, 2026, 12:45 PM EDT

HFBL

Home Federal Bancorp, Inc. of Louisiana

$76M

$24.84Financial ServicesDelayed quote: Oct 6, 2026, 10:31 AM EDT

Total return — ASRV vs HFBL

growth of $100 · dividends reinvested · last 10y

ASRV +82.3% (+6.2%/yr)HFBL +162.1% (+10.1%/yr)HFBL compounded faster over this window

ASRV HFBL

ASRV vs HFBL: by the numbers

•ASRV is the larger company ($78M vs $76M market cap).
•ASRV trades at the lower trailing earnings multiple (9.01 vs 12.36 P/E), one valuation lens rather than an overall verdict.
•HFBL converts more revenue to profit (18.16% vs 9.51% net margin).
•ASRV grew revenue faster over the past five years (6.89% vs 6.07% CAGR).
•ASRV pays the higher dividend yield (2.71% vs 2.30%).

Metrics side by side

Valuation

Metric	ASRV	HFBL
P/E ratio	9.01	12.36
PEG ratio	1.91	2.44
P/S ratio	0.87	2.23
P/B ratio	0.63	1.29

Profitability

Metric	ASRV	HFBL
Operating margin	11.59%	21.07%
Net margin	9.51%	18.16%
ROE	6.92%	10.51%

AmeriServ Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Home Federal Bancorp, Inc. of Louisiana: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ASRV	HFBL
Dividend yield	2.71%	2.30%
Payout ratio	23.66%	27.61%

Growth (annualized)

Metric	ASRV	HFBL
Revenue CAGR (5Y)	6.89%	6.07%
EPS CAGR (5Y)	4.72%	4.31%
Total return CAGR (5Y)	5.91%	8.89%

Frequently asked

Which has the lower trailing P/E, ASRV or HFBL?: ASRV has the lower trailing P/E: ASRV trades at 9.01 and HFBL at 12.36. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ASRV or HFBL?: Over the past five years, ASRV grew revenue faster — ASRV at a 6.89% CAGR versus HFBL at 6.07%.
Does ASRV or HFBL pay a bigger dividend?: ASRV yields 2.71% and HFBL yields 2.30% based on trailing dividends and the latest price.
Is ASRV or HFBL more profitable?: HFBL runs the higher net margin — ASRV at 9.51% versus HFBL at 18.16%.
How have ASRV and HFBL total returns compared?: Over the past 10 years, ASRV delivered 6.22% and HFBL delivered 10.12% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ASRV analysis Full HFBL analysis Interactive comparison tool

Dig into the metrics

AmeriServ Financial P/E ratio Home Federal Bancorp, Inc. of Louisiana P/E ratio AmeriServ Financial dividend yield Home Federal Bancorp, Inc. of Louisiana dividend yield AmeriServ Financial ROE Home Federal Bancorp, Inc. of Louisiana ROE AmeriServ Financial operating margin Home Federal Bancorp, Inc. of Louisiana operating margin AmeriServ Financial revenue growth Home Federal Bancorp, Inc. of Louisiana revenue growth

AmeriServ Financial & Home Federal Bancorp, Inc. of Louisiana appear in these rankings

Highest Dividend Yield Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.