Which has grown faster, ASRV or SVRN?

Over the past five years, SVRN grew revenue faster — ASRV at a 6.89% CAGR versus SVRN at 8.42%.

Does ASRV or SVRN pay a bigger dividend?

ASRV pays a dividend (2.71% yield), while SVRN is a former payer with no current dividend run rate.

Is ASRV or SVRN more profitable?

ASRV runs the higher net margin — ASRV at 9.51% versus SVRN at -486.57%.

AmeriServ Financial, Inc. (ASRV) vs SVRN, Inc. (SVRN)

A side-by-side comparison of AmeriServ Financial, Inc. and SVRN, Inc. 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.

$76M

$4.46Financial ServicesDelayed quote: Oct 6, 2026, 3:18 PM EDT

SVRN

SVRN, Inc.

$84M

$44.64Financial ServicesDelayed quote: Oct 6, 2026, 3:13 PM EDT

Total return — ASRV vs SVRN

growth of $100 · dividends reinvested · last 5y

ASRV +33.8% (+6.0%/yr)SVRN -100.0% (-84.1%/yr)ASRV compounded faster over this window

Log scale — wide-divergence pair

ASRV SVRN

ASRV vs SVRN: by the numbers

•SVRN is the larger company ($84M vs $76M market cap).
•ASRV is profitable (9.51% net margin) while SVRN runs a net loss (-486.57%).
•SVRN grew revenue faster over the past five years (8.42% vs 6.89% CAGR).
•ASRV pays a dividend (2.71% yield), while SVRN is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	ASRV	SVRN
P/E ratio	8.80	N/A
PEG ratio	1.86	N/A
P/S ratio	0.84	6.25
P/B ratio	0.61	0.53

Profitability

Metric	ASRV	SVRN
Gross margin	N/A	-9.93%
Operating margin	11.59%	-202.84%
Net margin	9.51%	-486.57%
ROE	6.92%	-41.63%
ROIC	N/A	-20.05%

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.

Dividends

Metric	ASRV	SVRN
Dividend yield	2.71%	N/A
Payout ratio	23.66%	N/A

Growth (annualized)

Metric	ASRV	SVRN
Revenue CAGR (5Y)	6.89%	8.42%
EPS CAGR (5Y)	4.72%	N/A
Total return CAGR (5Y)	5.91%	N/A

Frequently asked

Which has grown faster, ASRV or SVRN?: Over the past five years, SVRN grew revenue faster — ASRV at a 6.89% CAGR versus SVRN at 8.42%.
Does ASRV or SVRN pay a bigger dividend?: ASRV pays a dividend (2.71% yield), while SVRN is a former payer with no current dividend run rate.
Is ASRV or SVRN more profitable?: ASRV runs the higher net margin — ASRV at 9.51% versus SVRN at -486.57%.

Go deeper

Full ASRV analysis Full SVRN analysis Interactive comparison tool

Dig into the metrics

AmeriServ Financial P/E ratio AmeriServ Financial dividend yield AmeriServ Financial ROE SVRN ROE AmeriServ Financial operating margin SVRN operating margin AmeriServ Financial revenue growth SVRN revenue growth SVRN free cash flow

AmeriServ Financial & SVRN appear in these rankings

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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.