ASRV
Price
$3.08
Change
-$0.03 (-0.96%)
Updated
Dec 12 closing price
Capitalization
50.89M
Intraday BUY SELL Signals
IBCP
Price
$34.86
Change
-$0.04 (-0.11%)
Updated
Dec 12 closing price
Capitalization
721.32M
40 days until earnings call
Intraday BUY SELL Signals
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ASRV vs IBCP

Header iconASRV vs IBCP Comparison
Open Charts ASRV vs IBCPBanner chart's image
AmeriServ Financial
Price$3.08
Change-$0.03 (-0.96%)
Volume$8.11K
Capitalization50.89M
Independent Bank
Price$34.86
Change-$0.04 (-0.11%)
Volume$140.06K
Capitalization721.32M
ASRV vs IBCP Comparison Chart in %
ASRV
Daily Signal:
Gain/Loss:
IBCP
Daily Signal:
Gain/Loss:
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ASRV vs. IBCP commentary
Dec 13, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ASRV is a Buy and IBCP is a StrongBuy.

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COMPARISON
Comparison
Dec 13, 2025
Stock price -- (ASRV: $3.11 vs. IBCP: $34.90)
Brand notoriety: ASRV and IBCP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: ASRV: 48% vs. IBCP: 147%
Market capitalization -- ASRV: $50.89M vs. IBCP: $721.32M
ASRV [@Regional Banks] is valued at $50.89M. IBCP’s [@Regional Banks] market capitalization is $721.32M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.57B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ASRV’s FA Score shows that 0 FA rating(s) are green whileIBCP’s FA Score has 2 green FA rating(s).

  • ASRV’s FA Score: 0 green, 5 red.
  • IBCP’s FA Score: 2 green, 3 red.
According to our system of comparison, IBCP is a better buy in the long-term than ASRV.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ASRV’s TA Score shows that 6 TA indicator(s) are bullish while IBCP’s TA Score has 7 bullish TA indicator(s).

  • ASRV’s TA Score: 6 bullish, 2 bearish.
  • IBCP’s TA Score: 7 bullish, 4 bearish.
According to our system of comparison, ASRV is a better buy in the short-term than IBCP.

Price Growth

ASRV (@Regional Banks) experienced а +0.97% price change this week, while IBCP (@Regional Banks) price change was +2.89% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

IBCP is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+2.16% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
IBCP($721M) has a higher market cap than ASRV($50.9M). IBCP (10.73) and ASRV (10.27) have similar P/E ratio . ASRV YTD gains are higher at: 21.226 vs. IBCP (3.547). IBCP has more cash in the bank: 74.4M vs. ASRV (20.2M). IBCP has less debt than ASRV: IBCP (41.9M) vs ASRV (78.8M). IBCP has higher revenues than ASRV: IBCP (222M) vs ASRV (57.9M).
ASRVIBCPASRV / IBCP
Capitalization50.9M721M7%
EBITDAN/AN/A-
Gain YTD21.2263.547598%
P/E Ratio10.2710.7396%
Revenue57.9M222M26%
Total Cash20.2M74.4M27%
Total Debt78.8M41.9M188%
FUNDAMENTALS RATINGS
ASRV vs IBCP: Fundamental Ratings
ASRV
IBCP
OUTLOOK RATING
1..100
2715
VALUATION
overvalued / fair valued / undervalued
1..100
52
Fair valued
36
Fair valued
PROFIT vs RISK RATING
1..100
7922
SMR RATING
1..100
7728
PRICE GROWTH RATING
1..100
4848
P/E GROWTH RATING
1..100
7168
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

IBCP's Valuation (36) in the Regional Banks industry is in the same range as ASRV (52). This means that IBCP’s stock grew similarly to ASRV’s over the last 12 months.

IBCP's Profit vs Risk Rating (22) in the Regional Banks industry is somewhat better than the same rating for ASRV (79). This means that IBCP’s stock grew somewhat faster than ASRV’s over the last 12 months.

IBCP's SMR Rating (28) in the Regional Banks industry is somewhat better than the same rating for ASRV (77). This means that IBCP’s stock grew somewhat faster than ASRV’s over the last 12 months.

IBCP's Price Growth Rating (48) in the Regional Banks industry is in the same range as ASRV (48). This means that IBCP’s stock grew similarly to ASRV’s over the last 12 months.

IBCP's P/E Growth Rating (68) in the Regional Banks industry is in the same range as ASRV (71). This means that IBCP’s stock grew similarly to ASRV’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ASRVIBCP
RSI
ODDS (%)
N/A
Bearish Trend 3 days ago
52%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
51%
Bearish Trend 3 days ago
67%
Momentum
ODDS (%)
Bullish Trend 3 days ago
51%
Bullish Trend 3 days ago
68%
MACD
ODDS (%)
Bearish Trend 3 days ago
47%
Bullish Trend 3 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
54%
Bullish Trend 3 days ago
60%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
56%
Bullish Trend 3 days ago
58%
Advances
ODDS (%)
Bullish Trend 4 days ago
57%
Bullish Trend 3 days ago
59%
Declines
ODDS (%)
Bearish Trend 18 days ago
52%
Bearish Trend 9 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
48%
Bearish Trend 3 days ago
70%
Aroon
ODDS (%)
Bullish Trend 3 days ago
57%
Bullish Trend 3 days ago
48%
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ASRV
Daily Signal:
Gain/Loss:
IBCP
Daily Signal:
Gain/Loss:
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ASRV and

Correlation & Price change

A.I.dvisor tells us that ASRV and NECB have been poorly correlated (+29% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that ASRV and NECB's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ASRV
1D Price
Change %
ASRV100%
N/A
NECB - ASRV
29%
Poorly correlated
+1.67%
PROV - ASRV
29%
Poorly correlated
+1.34%
MCB - ASRV
28%
Poorly correlated
-0.53%
TECTP - ASRV
27%
Poorly correlated
N/A
IBCP - ASRV
26%
Poorly correlated
+1.19%
More

IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with UVSP. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if IBCP jumps, then UVSP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
+1.19%
UVSP - IBCP
87%
Closely correlated
+1.78%
BY - IBCP
85%
Closely correlated
+2.09%
CTBI - IBCP
85%
Closely correlated
+1.21%
FMBH - IBCP
85%
Closely correlated
+1.25%
BUSE - IBCP
85%
Closely correlated
+0.64%
More