AmeriServ Financial (ASRV) vs Summit State Bank (SSBI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
AmeriServ Financial (ASRV) has outperformed Summit State Bank (SSBI) over the past year, gaining 43.9% versus a gain of 1.7%. Over five years, ASRV leads with a +14.9% price change compared with -28.2% for SSBI. Summit State Bank is the larger company by market cap ($82.7 million vs $74.5 million), about 1.1 times the size.
On valuation, AmeriServ Financial trades at a lower trailing P/E (8.6x vs 37.0x for Summit State Bank). AmeriServ Financial pays a dividend yielding 2.73%, while Summit State Bank does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ASRV | SSBI |
|---|---|---|
| Share price | $4.39 | $12.22 |
| Market cap | $74.54M | $82.69M |
| 1-day change | -1.35% | -3.48% |
| YTD return | +37.62% | +5.07% |
| 1-year return | +43.93% | +1.75% |
| 5-year return | +14.92% | -28.16% |
| P/E ratio (TTM) | 8.61 | 37.03 |
| EPS (TTM) | $0.51 | $0.33 |
| Dividend yield | 2.73% | 0.00% |
| Annual dividend | $0.12 | $0.00 |
| 52-week high | $5.38 | $14.00 |
| 52-week low | $2.86 | $10.35 |
| Distance from 52-week high | -18.40% | -12.71% |
| Average volume | 19.39K | 4.88K |
| Shares outstanding | 16.98M | 6.77M |
| Employees | 297 | 103 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- ASRV has outperformed SSBI by 42.2 percentage points over the past year.
- Summit State Bank trades at a higher earnings multiple (37.0x vs 8.6x trailing P/E).
- AmeriServ Financial offers a meaningfully higher dividend yield (2.73% vs 0.00%).
About AmeriServ Financial
ASRV stock →AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States.
Finance · Major Banks · 297 employees
About Summit State Bank
SSBI stock →Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts.
Finance · Major Banks · 103 employees
ASRV vs SSBI FAQ
Which is bigger, AmeriServ Financial or Summit State Bank?
Summit State Bank (SSBI) is larger, with a market capitalization of $82.69M compared with $74.54M for AmeriServ Financial (ASRV).
Which stock has performed better over the past year, ASRV or SSBI?
ASRV returned +43.93% over the past 12 months, compared with +1.75% for SSBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ASRV or SSBI?
ASRV has the lower trailing P/E at 8.6, versus 37.0 for SSBI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, AmeriServ Financial or Summit State Bank?
AmeriServ Financial pays a dividend yielding 2.73%, while Summit State Bank does not currently pay a regular dividend.
Are AmeriServ Financial and Summit State Bank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.