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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.33
ASBI's Cash to Debt is ranked lower than
78% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.02 vs. ASBI: 0.33 )
Ranked among companies with meaningful Cash to Debt only.
ASBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.43 Max: No Debt
Current: 0.33
Equity to Asset 0.09
ASBI's Equity to Asset is ranked lower than
62% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ASBI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ASBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.09
0.07
0.13
Interest Coverage 0.78
ASBI's Interest Coverage is ranked lower than
70% of the 1535 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. ASBI: 0.78 )
Ranked among companies with meaningful Interest Coverage only.
ASBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 0.24 Max: 1.08
Current: 0.78
0.05
1.08
F-Score: 4
M-Score: -2.35
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 : 5/10

vs
industry
vs
history
Operating margin (%) 9.66
ASBI's Operating margin (%) is ranked lower than
87% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.85 vs. ASBI: 9.66 )
Ranked among companies with meaningful Operating margin (%) only.
ASBI' s Operating margin (%) Range Over the Past 10 Years
Min: -21.34  Med: 6.60 Max: 16.12
Current: 9.66
-21.34
16.12
Net-margin (%) 6.72
ASBI's Net-margin (%) is ranked lower than
87% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.32 vs. ASBI: 6.72 )
Ranked among companies with meaningful Net-margin (%) only.
ASBI' s Net-margin (%) Range Over the Past 10 Years
Min: -8.61  Med: 7.37 Max: 14.8
Current: 6.72
-8.61
14.8
ROE (%) 3.46
ASBI's ROE (%) is ranked lower than
82% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.23 vs. ASBI: 3.46 )
Ranked among companies with meaningful ROE (%) only.
ASBI' s ROE (%) Range Over the Past 10 Years
Min: -2.82  Med: 3.46 Max: 6.01
Current: 3.46
-2.82
6.01
ROA (%) 0.30
ASBI's ROA (%) is ranked lower than
82% of the 1690 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. ASBI: 0.30 )
Ranked among companies with meaningful ROA (%) only.
ASBI' s ROA (%) Range Over the Past 10 Years
Min: -0.22  Med: 0.27 Max: 0.51
Current: 0.3
-0.22
0.51
Revenue Growth (3Y)(%) 1.90
ASBI's Revenue Growth (3Y)(%) is ranked lower than
54% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. ASBI: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -21.7  Med: 5.90 Max: 19.2
Current: 1.9
-21.7
19.2
EBITDA Growth (3Y)(%) 22.40
ASBI's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. ASBI: 22.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ASBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -86.5  Med: 0.20 Max: 54.3
Current: 22.4
-86.5
54.3
EPS Growth (3Y)(%) 27.30
ASBI's EPS Growth (3Y)(%) is ranked higher than
84% of the 1261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. ASBI: 27.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ASBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.3  Med: 3.80 Max: 58.2
Current: 27.3
-34.3
58.2
» ASBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-24)


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:AMEX:BKJ, NAS:KFFB, NAS:PBBI, NAS:PBSK, OTCPK:GRRB, NAS:IROQ, OTCPK:NECB, NAS:NVSL, OTCBB:NIDB, NAS:LSBK, OTCPK:SFDL, NAS:HMNF, NAS:HFBC, NAS:UCBA, NAS:MSBF, NAS:ANCB, OTCBB:NWIN, OTCPK:VLLX, 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

vs
industry
vs
history
P/E(ttm) 47.75
ASBI's P/E(ttm) is ranked lower than
94% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.50 vs. ASBI: 47.75 )
Ranked among companies with meaningful P/E(ttm) only.
ASBI' s P/E(ttm) Range Over the Past 10 Years
Min: 10.26  Med: 19.68 Max: 226.34
Current: 47.75
10.26
226.34
PE(NRI) 47.75
ASBI's PE(NRI) is ranked lower than
94% of the 1546 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.50 vs. ASBI: 47.75 )
Ranked among companies with meaningful PE(NRI) only.
ASBI' s PE(NRI) Range Over the Past 10 Years
Min: 10.3  Med: 19.86 Max: 232
Current: 47.75
10.3
232
Price/Owner Earnings (ttm) 34.83
ASBI's Price/Owner Earnings (ttm) is ranked lower than
91% of the 865 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. ASBI: 34.83 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ASBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2  Med: 18.51 Max: 158.42
Current: 34.83
2
158.42
P/B 1.66
ASBI's P/B is ranked lower than
83% of the 1654 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. ASBI: 1.66 )
Ranked among companies with meaningful P/B only.
ASBI' s P/B Range Over the Past 10 Years
Min: 0.22  Med: 0.79 Max: 1.78
Current: 1.66
0.22
1.78
P/S 3.28
ASBI's P/S is ranked lower than
60% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. ASBI: 3.28 )
Ranked among companies with meaningful P/S only.
ASBI' s P/S Range Over the Past 10 Years
Min: 0.42  Med: 1.76 Max: 3.71
Current: 3.28
0.42
3.71
POCF 38.59
ASBI's POCF is ranked lower than
94% of the 968 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. ASBI: 38.59 )
Ranked among companies with meaningful POCF only.
ASBI' s POCF Range Over the Past 10 Years
Min: 1.4  Med: 9.81 Max: 52.53
Current: 38.59
1.4
52.53
EV-to-EBIT 45.59
ASBI's EV-to-EBIT is ranked lower than
92% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.99 vs. ASBI: 45.59 )
Ranked among companies with meaningful EV-to-EBIT only.
ASBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -2682  Med: 19.30 Max: 383.6
Current: 45.59
-2682
383.6
EV-to-EBITDA 26.10
ASBI's EV-to-EBITDA is ranked lower than
86% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.84 vs. ASBI: 26.10 )
Ranked among companies with meaningful EV-to-EBITDA only.
ASBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -27155.6  Med: 17.05 Max: 273.5
Current: 26.1
-27155.6
273.5
Shiller P/E 66.67
ASBI's Shiller P/E is ranked lower than
96% of the 504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.55 vs. ASBI: 66.67 )
Ranked among companies with meaningful Shiller P/E only.
ASBI' s Shiller P/E Range Over the Past 10 Years
Min: 5  Med: 17.99 Max: 72.21
Current: 66.67
5
72.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.70
ASBI's Dividend Yield is ranked lower than
94% of the 2261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. ASBI: 0.70 )
Ranked among companies with meaningful Dividend Yield only.
ASBI' s Dividend Yield Range Over the Past 10 Years
Min: 0.21  Med: 1.01 Max: 6.4
Current: 0.7
0.21
6.4
Dividend Payout 0.21
ASBI's Dividend Payout is ranked higher than
74% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. ASBI: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
ASBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.53 Max: 5.33
Current: 0.21
0.05
5.33
Dividend Growth (3y) 26.00
ASBI's Dividend Growth (3y) is ranked higher than
81% of the 755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. ASBI: 26.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ASBI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -42.3  Med: 0.00 Max: 26
Current: 26
-42.3
26
Forward Dividend Yield 0.70
ASBI's Forward Dividend Yield is ranked lower than
95% of the 2124 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.29 vs. ASBI: 0.70 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.60
ASBI's Yield on cost (5-Year) is ranked lower than
95% of the 2499 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. ASBI: 0.60 )
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: 0.18  Med: 0.86 Max: 5.47
Current: 0.6
0.18
5.47
3-Year Average Share Buyback Ratio -0.30
ASBI's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1081 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. ASBI: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ASBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.4  Med: 0.00 Max: 4.5
Current: -0.3
-6.4
4.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.69
ASBI's Price/Tangible Book is ranked lower than
79% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. ASBI: 1.69 )
Ranked among companies with meaningful Price/Tangible Book only.
ASBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.25  Med: 1.07 Max: 1.69
Current: 1.69
0.25
1.69
Price/Projected FCF 1.20
ASBI's Price/Projected FCF is ranked lower than
88% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. ASBI: 1.20 )
Ranked among companies with meaningful Price/Projected FCF only.
ASBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.80 Max: 1.59
Current: 1.2
0.02
1.59
Price/Median PS Value 1.87
ASBI's Price/Median PS Value is ranked lower than
94% of the 1572 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. ASBI: 1.87 )
Ranked among companies with meaningful Price/Median PS Value only.
ASBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.23  Med: 1.32 Max: 2.53
Current: 1.87
0.23
2.53
Price/Peter Lynch Fair Value 1.93
ASBI's Price/Peter Lynch Fair Value is ranked lower than
87% of the 423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. ASBI: 1.93 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ASBI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.91  Med: 1.79 Max: 3.2
Current: 1.93
0.91
3.2
Price/Graham Number 1.89
ASBI's Price/Graham Number is ranked lower than
94% of the 1440 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. ASBI: 1.89 )
Ranked among companies with meaningful Price/Graham Number only.
ASBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.4  Med: 0.95 Max: 2.94
Current: 1.89
0.4
2.94
Earnings Yield (Greenblatt) (%) 2.20
ASBI's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. ASBI: 2.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ASBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 2.20 Max: 7.5
Current: 2.2
0.3
7.5
Forward Rate of Return (Yacktman) (%) 28.39
ASBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
79% of the 874 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.27 vs. ASBI: 28.39 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ASBI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -23.3  Med: 2.40 Max: 51.4
Current: 28.39
-23.3
51.4

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
Ameriana Bancorp Reports a Revision to Earnings for the Three-Month and Six-Month Periods Ended June... Aug 07 2015
Ameriana Bancorp Reports a Revision to Earnings for the Three-Month and Six-Month Periods Ended June... Aug 07 2015
AMERIANA BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 24 2015
Ameriana Bancorp Reports Second Quarter 2015 Net Income of $278,000 or $0.09 Per Share Jul 24 2015
Ameriana Bancorp Reports Second Quarter 2015 Net Income of $278,000 or $0.09 Per Share Jul 24 2015

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