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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 0.92
ASBI's Cash to Debt is ranked lower than
57% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. ASBI: 0.92 )
Ranked among companies with meaningful Cash to Debt only.
ASBI' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.54 Max: No Debt
Current: 0.92
Equity to Asset 0.09
ASBI's Equity to Asset is ranked lower than
60% of the 1323 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.13
Current: 0.09
0.07
0.13
Interest Coverage 1.08
ASBI's Interest Coverage is ranked lower than
63% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. ASBI: 1.08 )
Ranked among companies with meaningful Interest Coverage only.
ASBI' s 10-Year Interest Coverage Range
Min: 0.05  Med: 0.27 Max: 1.08
Current: 1.08
0.05
1.08
F-Score: 5
WACC vs ROIC
3.29%
4.47%
WACC
ROIC
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 (%) 13.86
ASBI's Operating margin (%) is ranked lower than
82% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. ASBI: 13.86 )
Ranked among companies with meaningful Operating margin (%) only.
ASBI' s 10-Year Operating margin (%) Range
Min: -36.88  Med: 14.89 Max: 38.26
Current: 13.86
-36.88
38.26
Net-margin (%) 10.30
ASBI's Net-margin (%) is ranked lower than
82% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. ASBI: 10.30 )
Ranked among companies with meaningful Net-margin (%) only.
ASBI' s 10-Year Net-margin (%) Range
Min: -20.27  Med: 10.66 Max: 24.2
Current: 10.3
-20.27
24.2
ROE (%) 5.33
ASBI's ROE (%) is ranked lower than
70% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. ASBI: 5.33 )
Ranked among companies with meaningful ROE (%) only.
ASBI' s 10-Year ROE (%) Range
Min: -7.51  Med: 5.27 Max: 8.98
Current: 5.33
-7.51
8.98
ROA (%) 0.45
ASBI's ROA (%) is ranked lower than
73% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. ASBI: 0.45 )
Ranked among companies with meaningful ROA (%) only.
ASBI' s 10-Year ROA (%) Range
Min: -0.61  Med: 0.47 Max: 0.95
Current: 0.45
-0.61
0.95
ROC (Joel Greenblatt) (%) 19.13
ASBI's ROC (Joel Greenblatt) (%) is ranked lower than
81% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. ASBI: 19.13 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ASBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -75.49  Med: 20.04 Max: 132.14
Current: 19.13
-75.49
132.14
Revenue Growth (3Y)(%) 1.90
ASBI's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. ASBI: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -21.7  Med: 5.90 Max: 19.2
Current: 1.9
-21.7
19.2
EBITDA Growth (3Y)(%) 22.60
ASBI's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. ASBI: 22.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ASBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -1.90 Max: 55
Current: 22.6
0
55
EPS Growth (3Y)(%) 27.60
ASBI's EPS Growth (3Y)(%) is ranked higher than
82% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. ASBI: 27.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ASBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -33.8  Med: 3.80 Max: 56.6
Current: 27.6
-33.8
56.6
» ASBI's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 31.64
ASBI's P/E(ttm) is ranked lower than
88% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. ASBI: 31.64 )
Ranked among companies with meaningful P/E(ttm) only.
ASBI' s 10-Year P/E(ttm) Range
Min: 10.26  Med: 20.10 Max: 226.34
Current: 31.64
10.26
226.34
PE(NRI) 30.70
ASBI's PE(NRI) is ranked lower than
88% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. ASBI: 30.70 )
Ranked among companies with meaningful PE(NRI) only.
ASBI' s 10-Year PE(NRI) Range
Min: 10.3  Med: 20.25 Max: 232
Current: 30.7
10.3
232
P/B 1.64
ASBI's P/B is ranked lower than
80% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ASBI: 1.64 )
Ranked among companies with meaningful P/B only.
ASBI' s 10-Year P/B Range
Min: 0.22  Med: 0.81 Max: 1.68
Current: 1.64
0.22
1.68
P/S 3.29
ASBI's P/S is ranked lower than
55% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. ASBI: 3.29 )
Ranked among companies with meaningful P/S only.
ASBI' s 10-Year P/S Range
Min: 0.42  Med: 1.86 Max: 3.71
Current: 3.29
0.42
3.71
PFCF 162.29
ASBI's PFCF is ranked lower than
99% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. ASBI: 162.29 )
Ranked among companies with meaningful PFCF only.
ASBI' s 10-Year PFCF Range
Min: 2.82  Med: 12.64 Max: 270
Current: 162.29
2.82
270
POCF 25.53
ASBI's POCF is ranked lower than
87% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. ASBI: 25.53 )
Ranked among companies with meaningful POCF only.
ASBI' s 10-Year POCF Range
Min: 1.4  Med: 10.51 Max: 69.71
Current: 25.53
1.4
69.71
EV-to-EBIT 25.04
ASBI's EV-to-EBIT is ranked lower than
78% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. ASBI: 25.04 )
Ranked among companies with meaningful EV-to-EBIT only.
ASBI' s 10-Year EV-to-EBIT Range
Min: -2681.6  Med: 19.70 Max: 383.6
Current: 25.04
-2681.6
383.6
Shiller P/E 46.67
ASBI's Shiller P/E is ranked lower than
91% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. ASBI: 46.67 )
Ranked among companies with meaningful Shiller P/E only.
ASBI' s 10-Year Shiller P/E Range
Min: 6.94  Med: 29.35 Max: 59
Current: 46.67
6.94
59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.53
ASBI's Dividend Yield is ranked lower than
96% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. ASBI: 0.53 )
Ranked among companies with meaningful Dividend Yield only.
ASBI' s 10-Year Dividend Yield Range
Min: 0.21  Med: 1.76 Max: 6.4
Current: 0.53
0.21
6.4
Dividend Payout 0.11
ASBI's Dividend Payout is ranked higher than
92% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. ASBI: 0.11 )
Ranked among companies with meaningful Dividend Payout only.
ASBI' s 10-Year Dividend Payout Range
Min: 0.05  Med: 0.53 Max: 5.33
Current: 0.11
0.05
5.33
Dividend growth (3y) 26.00
ASBI's Dividend growth (3y) is ranked higher than
82% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. ASBI: 26.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
ASBI' s 10-Year Dividend growth (3y) Range
Min: -42.3  Med: 0.00 Max: 26
Current: 26
-42.3
26
Yield on cost (5-Year) 0.45
ASBI's Yield on cost (5-Year) is ranked lower than
96% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. ASBI: 0.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.18  Med: 1.50 Max: 5.47
Current: 0.45
0.18
5.47
Share Buyback Rate -0.20
ASBI's Share Buyback Rate is ranked higher than
72% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. ASBI: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
ASBI' s 10-Year Share Buyback Rate Range
Min: 4.3  Med: 0.10 Max: -0.3
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
ASBI's Price/Tangible Book is ranked lower than
72% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. ASBI: 1.68 )
Ranked among companies with meaningful Price/Tangible Book only.
ASBI' s 10-Year Price/Tangible Book Range
Min: 0.25  Med: 1.05 Max: 1.52
Current: 1.68
0.25
1.52
Price/Projected FCF 1.42
ASBI's Price/Projected FCF is ranked lower than
86% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. ASBI: 1.42 )
Ranked among companies with meaningful Price/Projected FCF only.
ASBI' s 10-Year Price/Projected FCF Range
Min: 0.34  Med: 0.79 Max: 1.59
Current: 1.42
0.34
1.59
Price/Median PS Value 1.78
ASBI's Price/Median PS Value is ranked lower than
91% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. ASBI: 1.78 )
Ranked among companies with meaningful Price/Median PS Value only.
ASBI' s 10-Year Price/Median PS Value Range
Min: 0.22  Med: 1.24 Max: 2.41
Current: 1.78
0.22
2.41
Price/Peter Lynch Fair Value 1.26
ASBI's Price/Peter Lynch Fair Value is ranked lower than
65% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. ASBI: 1.26 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ASBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.91  Med: 1.79 Max: 3.2
Current: 1.26
0.91
3.2
Price/Graham Number 1.55
ASBI's Price/Graham Number is ranked lower than
88% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. ASBI: 1.55 )
Ranked among companies with meaningful Price/Graham Number only.
ASBI' s 10-Year Price/Graham Number Range
Min: 0.4  Med: 0.95 Max: 2.86
Current: 1.55
0.4
2.86
Earnings Yield (Greenblatt) (%) 4.00
ASBI's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. ASBI: 4.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ASBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 2.30 Max: 10.9
Current: 4
0.3
10.9
Forward Rate of Return (Yacktman) (%) 36.37
ASBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
83% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. ASBI: 36.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ASBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -23.3  Med: 3.10 Max: 51.4
Current: 36.37
-23.3
51.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » 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.
» 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 

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