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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

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Interest Coverage 0.78
ASBI's Interest Coverage is ranked lower than
99.99% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 vs. ASBI: 0.78 )
Ranked among companies with meaningful Interest Coverage only.
ASBI' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.78
Current: 0.78
0
0.78
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

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» ASBI's 10-Y Financials

Financials (Next Earnings Date: 0)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:PBSK, AMEX:BKJ, NAS:KFFB, NAS:PBBI, OTCPK:SFDL, OTCPK:GRRB, NAS:HMNF, NAS:ANCB, NAS:IROQ, NAS:UCBA, NAS:HFBC, OTCBB:NIDB, NAS:MSBF, NAS:LSBK, OTCBB:NWIN, OTCPK:VLLX, NAS:JXSB, NAS:PBHC, NAS:FCLF, NAS:BYFC » details


Ameriana Bancorp is incorporated in Indiana in 1990. The bank is a holding company for Ameriana Bank, SB and an Indiana chartered savings bank. Its main business consists of attracting deposits from the general public and investing those funds mainly in mortgage loans on single-family residences, multi-family, construction loans, commercial real estate loans, and, to a lesser extent, commercial and industrial loans, small business lending, home improvement, and consumer loans. The Bank offers regular savings accounts, interest-bearing (NOW) and noninterest-bearing checking accounts, money market accounts, fixed interest rate certificates with varying maturities and negotiated rate jumbo certificates with various maturities. It also offers tax-deferred individual retirement, Keogh retirement and simplified employer plan retirement accounts. It invests in various federal and government agency obligations and other investment securities permitted by applicable laws and regulations, including mortgage-backed, municipal and equity securities. The Bank offers customers in its market area time deposits with terms from three months to seven years, interest-bearing and non-interest-bearing checking accounts, savings accounts and money market accounts. Its main source of borrowings is Federal Home Loan Bank advances. Through its subsidiaries, the Bank engages in insurance and investment and brokerage activities. The geographic markets it serves are competitive for deposits, loans and other financial services, including retail brokerage services and insurance. The Company's direct competitors include traditional banking and savings institutions, as well as other non-bank providers of financial services, such as insurance companies, brokerage firms, mortgage companies and credit unions located in the Bank's market area. The Company is subject to regulation and supervision by the Federal Reserve Bank.

Ratios

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Dividend & Buy Back

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Dividend Yield 0.70
ASBI's Dividend Yield is ranked lower than
93% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. ASBI: 0.70 )
Ranked among companies with meaningful Dividend Yield only.
ASBI' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.7
Current: 0.7
0
0.7
Dividend Payout 0.21
ASBI's Dividend Payout is ranked higher than
75% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. ASBI: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
ASBI' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.21
Current: 0.21
0
0.21
Forward Dividend Yield 0.70
ASBI's Forward Dividend Yield is ranked lower than
95% of the 2090 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. ASBI: 0.70 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.70
ASBI's Yield on cost (5-Year) is ranked lower than
93% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.48 vs. ASBI: 0.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.7
Current: 0.7
0
0.7

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $21.20
EPS (TTM) $ 0.48
Short Percentage of Float0.03%
52-Week Range $14.79 - 25.47
Shares Outstanding (Mil)3.04
» More Articles for ASBI

Headlines

Articles On GuruFocus.com
Ameriana Bancorp (ASBI) CEO Jerome J Gassen buys 2,000 Shares May 03 2010 
Ameriana Bancorp (ASBI) CEO Jerome J Gassen buys 5,000 Shares Nov 19 2009 
Ameriana Bancorp (ASBI) Chairman of the Board Ronald R Pritzke buys 2,800 Shares May 27 2009 
Ameriana Bancorp (ASBI) CEO Jerome J Gassen buys 10,000 Shares May 20 2009 
Ameriana Bancorp (ASBI) CEO Jerome J Gassen buys 3,000 Shares Mar 10 2009 

More From Other Websites
First Merchants Corporation Completes Its Merger with Ameriana Bancorp Jan 04 2016
First Merchants Corporation Completes Its Merger with Ameriana Bancorp Jan 04 2016
AMERIANA BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 31 2015
AMERIANA BANCORP Financials Dec 08 2015
AMERIANA BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Regulation... Dec 07 2015
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.04 Per Share Dec 07 2015
AMERIANA BANCORP Files SEC form 10-Q, Quarterly Report Nov 05 2015
AMERIANA BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 22 2015
Ameriana Bancorp Announces Pending Sale of Ameriana Insurance Agency Oct 22 2015
Ameriana Bancorp Announces Pending Sale of Ameriana Insurance Agency Oct 22 2015
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.04 Per Share Sep 28 2015
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.04 Per Share Sep 28 2015
Ameriana Bancorp Earnings Q2, 2015 Sep 11 2015
AMERIANA BANCORP (ASBI) SHAREHOLDER ALERT – Andrews & Springer LLC Is Investigating Ameriana... Aug 31 2015
AMERIANA BANCORP Files SEC form 8-K/A, Results of Operations and Financial Condition, Financial... Aug 07 2015

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