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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

vs
industry
vs
history
Cash to Debt 0.88
ASBI's Cash to Debt is ranked higher than
71% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. ASBI: 0.88 )
ASBI' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.88

Equity to Asset 0.08
ASBI's Equity to Asset is ranked higher than
62% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. ASBI: 0.08 )
ASBI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.08

0.07
0.14
Interest Coverage 0.98
ASBI's Interest Coverage is ranked higher than
62% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. ASBI: 0.98 )
ASBI' s 10-Year Interest Coverage Range
Min: 0.05   Max: 0.98
Current: 0.98

0.05
0.98
F-Score: 5
Z-Score: 0.21
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 : 6/10

vs
industry
vs
history
Operating margin (%) 14.80
ASBI's Operating margin (%) is ranked higher than
55% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. ASBI: 14.80 )
ASBI' s 10-Year Operating margin (%) Range
Min: -36.88   Max: 38.26
Current: 14.8

-36.88
38.26
Net-margin (%) 11.06
ASBI's Net-margin (%) is ranked higher than
56% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. ASBI: 11.06 )
ASBI' s 10-Year Net-margin (%) Range
Min: -20.27   Max: 24.2
Current: 11.06

-20.27
24.2
ROE (%) 5.80
ASBI's ROE (%) is ranked higher than
65% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. ASBI: 5.80 )
ASBI' s 10-Year ROE (%) Range
Min: -7.88   Max: 8.86
Current: 5.8

-7.88
8.86
ROA (%) 0.48
ASBI's ROA (%) is ranked higher than
62% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. ASBI: 0.48 )
ASBI' s 10-Year ROA (%) Range
Min: -0.67   Max: 0.94
Current: 0.48

-0.67
0.94
ROC (Joel Greenblatt) (%) 19.94
ASBI's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. ASBI: 19.94 )
ASBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -70.8   Max: 113.33
Current: 19.94

-70.8
113.33
Revenue Growth (%) 1.20
ASBI's Revenue Growth (%) is ranked higher than
75% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ASBI: 1.20 )
ASBI' s 10-Year Revenue Growth (%) Range
Min: -21.7   Max: 19.2
Current: 1.2

-21.7
19.2
EBITDA Growth (%) 42.00
ASBI's EBITDA Growth (%) is ranked higher than
95% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. ASBI: 42.00 )
ASBI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 55
Current: 42

0
55
EPS Growth (%) 56.60
ASBI's EPS Growth (%) is ranked higher than
96% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. ASBI: 56.60 )
ASBI' s 10-Year EPS Growth (%) Range
Min: -33.8   Max: 56.6
Current: 56.6

-33.8
56.6
» ASBI's 10-Y Financials

Financials


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

» Details

Guru Trades

ASBI Guru Trades in

Q2 2012

ASBI Guru Trades in Q2 2012

Chuck Royce 40,000 sh (unchged)
» More
Q3 2012

ASBI Guru Trades in Q3 2012

Chuck Royce 3,652 sh (-90.87%)
» More
Q4 2012

ASBI Guru Trades in Q4 2012

Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ASBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 18.10
ASBI's P/E(ttm) is ranked higher than
63% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. ASBI: 18.10 )
ASBI' s 10-Year P/E(ttm) Range
Min: 10.26   Max: 226.34
Current: 18.1

10.26
226.34
P/B 1.08
ASBI's P/B is ranked higher than
70% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ASBI: 1.08 )
ASBI' s 10-Year P/B Range
Min: 0.22   Max: 1.38
Current: 1.08

0.22
1.38
P/S 2.16
ASBI's P/S is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. ASBI: 2.16 )
ASBI' s 10-Year P/S Range
Min: 0.42   Max: 3.71
Current: 2.16

0.42
3.71
PFCF 10.25
ASBI's PFCF is ranked higher than
78% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 109.09 vs. ASBI: 10.25 )
ASBI' s 10-Year PFCF Range
Min: 2.82   Max: 69.71
Current: 10.25

2.82
69.71
EV-to-EBIT 14.01
ASBI's EV-to-EBIT is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. ASBI: 14.01 )
ASBI' s 10-Year EV-to-EBIT Range
Min: 1.2   Max: 383.6
Current: 14.01

1.2
383.6
Shiller P/E 36.81
ASBI's Shiller P/E is ranked higher than
64% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.55 vs. ASBI: 36.81 )
ASBI' s 10-Year Shiller P/E Range
Min: 7.14   Max: 59
Current: 36.81

7.14
59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.40
ASBI's Dividend Yield is ranked lower than
93% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.42 vs. ASBI: 0.40 )
ASBI' s 10-Year Dividend Yield Range
Min: 0.26   Max: 6.4
Current: 0.4

0.26
6.4
Dividend Payout 0.05
ASBI's Dividend Payout is ranked higher than
98% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.48 vs. ASBI: 0.05 )
ASBI' s 10-Year Dividend Payout Range
Min: 0.05   Max: 5.33
Current: 0.05

0.05
5.33
Yield on cost (5-Year) 0.16
ASBI's Yield on cost (5-Year) is ranked lower than
94% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. ASBI: 0.16 )
ASBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.1   Max: 2.57
Current: 0.16

0.1
2.57

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
ASBI's Price/Tangible Book is ranked higher than
79% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. ASBI: 1.10 )
ASBI' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 1.55
Current: 1.1

0.25
1.55
Price/DCF (Projected) 0.92
ASBI's Price/DCF (Projected) is ranked higher than
72% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. ASBI: 0.92 )
ASBI' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.17
Current: 0.92

0.3
1.17
Price/Median PS Value 1.16
ASBI's Price/Median PS Value is ranked higher than
69% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. ASBI: 1.16 )
ASBI' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 2.4
Current: 1.16

0.22
2.4
Price/Graham Number 0.94
ASBI's Price/Graham Number is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ASBI: 0.94 )
ASBI' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 2.86
Current: 0.94

0.4
2.86
Earnings Yield (Greenblatt) 7.10
ASBI's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. ASBI: 7.10 )
ASBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 86.8
Current: 7.1

0.3
86.8
Forward Rate of Return (Yacktman) 2.79
ASBI's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. ASBI: 2.79 )
ASBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17   Max: 11
Current: 2.79

-17
11

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Ameriana Bancorp 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. It has three wholly owned subsidiaries, Ameriana Insurance Agency, Ameriana Financial Services, Inc. and Ameriana Investment Management, Inc. AIA provides insurance sales from offices in New Castle, Greenfield and Avon, Indiana. AFS offers debt protection products through its ownership of an interest in Family Financial Holdings, Incorporated, Columbus, Indiana. The geographic markets it serves are highly 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.
» 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 Board Reduces Quarterly Cash Dividend to $0.01 Per Share Aug 31 2009 
Ameriana Bancorp Reports Results for Second Quarter of 2009 Jul 31 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 
Ameriana Bancorp Reports Fourth Quarter and Year-End Results Feb 06 2009 

More From Other Websites
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.02 Per Share Aug 25 2014
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.02 Per Share Aug 25 2014
AMERIANA BANCORP Financials Aug 19 2014
AMERIANA BANCORP Files SEC form 10-Q, Quarterly Report Aug 07 2014
AMERIANA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2014
Ameriana Bancorp Reports Second Quarter 2014 Net Income of $603,000 or $0.20 Per Share Jul 18 2014
Ameriana Bancorp Reports Second Quarter 2014 Net Income of $603,000 or $0.20 Per Share Jul 18 2014
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.02 Per Share Jun 30 2014
Nasdaq stocks posting largest volume decreases May 19 2014
AMERIANA BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 19 2014
Ameriana Bancorp Shareholders Re-Elect Three Directors May 15 2014
AMERIANA BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 15 2014
AMERIANA BANCORP Files SEC form 10-Q, Quarterly Report May 12 2014
AMERIANA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 23 2014
Ameriana Bancorp Reports First Quarter 2014 Net Income of $729,000 or $0.24 Per Share Apr 22 2014
Ameriana Bancorp Board Declares Quarterly Cash Dividend of $0.02 Per Share Mar 31 2014
AMERIANA BANCORP Files SEC form 10-K, Annual Report Mar 25 2014
AMERIANA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 10 2014
Ameriana Bancorp Reports 2013 Net Income of $2.2 Million or $0.73 Per Share Feb 07 2014
Ameriana Bancorp Reports 2013 Net Income of $2.2 Million or $0.73 Per Share Feb 07 2014

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