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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 0.36
ASRV's Cash to Debt is ranked lower than
74% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. ASRV: 0.36 )
Ranked among companies with meaningful Cash to Debt only.
ASRV' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.19 Max: 1.87
Current: 0.36
0.04
1.87
Equity to Asset 0.11
ASRV's Equity to Asset is ranked higher than
59% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ASRV: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
ASRV' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.09 Max: 0.12
Current: 0.11
0.05
0.12
Interest Coverage 0.72
ASRV's Interest Coverage is ranked lower than
72% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. ASRV: 0.72 )
Ranked among companies with meaningful Interest Coverage only.
ASRV' s 10-Year Interest Coverage Range
Min: 0.01  Med: 0.31 Max: 1.15
Current: 0.72
0.01
1.15
F-Score: 3
WACC vs ROIC
3.57%
2.15%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 10.80
ASRV's Operating margin (%) is ranked lower than
85% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. ASRV: 10.80 )
Ranked among companies with meaningful Operating margin (%) only.
ASRV' s 10-Year Operating margin (%) Range
Min: -43.48  Med: 9.86 Max: 37.66
Current: 10.8
-43.48
37.66
Net-margin (%) 7.07
ASRV's Net-margin (%) is ranked lower than
87% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. ASRV: 7.07 )
Ranked among companies with meaningful Net-margin (%) only.
ASRV' s 10-Year Net-margin (%) Range
Min: -26.63  Med: 7.02 Max: 26.98
Current: 7.07
-26.63
26.98
ROE (%) 2.82
ASRV's ROE (%) is ranked lower than
84% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. ASRV: 2.82 )
Ranked among companies with meaningful ROE (%) only.
ASRV' s 10-Year ROE (%) Range
Min: -12.19  Med: 2.76 Max: 16.04
Current: 2.82
-12.19
16.04
ROA (%) 0.32
ASRV's ROA (%) is ranked lower than
80% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. ASRV: 0.32 )
Ranked among companies with meaningful ROA (%) only.
ASRV' s 10-Year ROA (%) Range
Min: -0.97  Med: 0.28 Max: 1.09
Current: 0.32
-0.97
1.09
ROC (Joel Greenblatt) (%) 35.43
ASRV's ROC (Joel Greenblatt) (%) is ranked lower than
72% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. ASRV: 35.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ASRV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -18.95  Med: 8.43 Max: 102.84
Current: 35.43
-18.95
102.84
Revenue Growth (3Y)(%) 5.80
ASRV's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. ASRV: 5.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASRV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.6  Med: 1.40 Max: 12.4
Current: 5.8
-20.6
12.4
EBITDA Growth (3Y)(%) -12.60
ASRV's EBITDA Growth (3Y)(%) is ranked lower than
86% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ASRV: -12.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ASRV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.6  Med: -0.60 Max: 76.5
Current: -12.6
-39.6
76.5
EPS Growth (3Y)(%) -14.50
ASRV's EPS Growth (3Y)(%) is ranked lower than
87% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. ASRV: -14.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ASRV' s 10-Year EPS Growth (3Y)(%) Range
Min: -58.5  Med: -1.40 Max: 196.2
Current: -14.5
-58.5
196.2
» ASRV's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

ASRV Guru Trades in Q2 2014

Jim Simons 212,000 sh (+0.38%)
» More
Q3 2014

ASRV Guru Trades in Q3 2014

Jim Simons 220,700 sh (+4.10%)
» More
Q4 2014

ASRV Guru Trades in Q4 2014

Jim Simons 228,500 sh (+3.53%)
» More
Q1 2015

ASRV Guru Trades in Q1 2015

Jim Simons 251,600 sh (+10.11%)
» More
» Details

Insider Trades

Latest Guru Trades with ASRV

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

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Preferred stocks of AmeriServ Financial Inc

SymbolPriceYieldDescription
ASRVP27.307.748.45% Beneficial Unsecured Securities, Series A

Top Ranked Articles about AmeriServ Financial Inc

Triple Buys: What Are Companies, Insiders and Gurus Purchasing?
Peter Lynch, the legendary portfolio manager for Fidelity’s Magellan fund from 1977 to 1990, wrote in his bestselling book One Up On Wall Street that company insiders may sell a stock for many reasons but will buy for only one — they believe the stock price will rise. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 19.31
ASRV's P/E(ttm) is ranked lower than
75% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. ASRV: 19.31 )
Ranked among companies with meaningful P/E(ttm) only.
ASRV' s 10-Year P/E(ttm) Range
Min: 6.77  Med: 15.55 Max: 241.22
Current: 19.31
6.77
241.22
Forward P/E 12.33
ASRV's Forward P/E is ranked lower than
52% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. ASRV: 12.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.90
ASRV's PE(NRI) is ranked lower than
74% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. ASRV: 18.90 )
Ranked among companies with meaningful PE(NRI) only.
ASRV' s 10-Year PE(NRI) Range
Min: 6.8  Med: 15.48 Max: 99999999.99
Current: 18.9
6.8
99999999.99
P/B 0.69
ASRV's P/B is ranked higher than
81% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ASRV: 0.69 )
Ranked among companies with meaningful P/B only.
ASRV' s 10-Year P/B Range
Min: 0.33  Med: 0.64 Max: 1.39
Current: 0.69
0.33
1.39
P/S 1.31
ASRV's P/S is ranked higher than
87% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. ASRV: 1.31 )
Ranked among companies with meaningful P/S only.
ASRV' s 10-Year P/S Range
Min: 0.64  Med: 1.27 Max: 3.25
Current: 1.31
0.64
3.25
PFCF 16.27
ASRV's PFCF is ranked lower than
68% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. ASRV: 16.27 )
Ranked among companies with meaningful PFCF only.
ASRV' s 10-Year PFCF Range
Min: 2.86  Med: 13.04 Max: 152.5
Current: 16.27
2.86
152.5
POCF 11.40
ASRV's POCF is ranked lower than
58% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. ASRV: 11.40 )
Ranked among companies with meaningful POCF only.
ASRV' s 10-Year POCF Range
Min: 2.64  Med: 8.90 Max: 44.62
Current: 11.4
2.64
44.62
EV-to-EBIT 26.30
ASRV's EV-to-EBIT is ranked lower than
80% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. ASRV: 26.30 )
Ranked among companies with meaningful EV-to-EBIT only.
ASRV' s 10-Year EV-to-EBIT Range
Min: -34.9  Med: 15.90 Max: 262.7
Current: 26.3
-34.9
262.7
Shiller P/E 32.25
ASRV's Shiller P/E is ranked lower than
84% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. ASRV: 32.25 )
Ranked among companies with meaningful Shiller P/E only.
ASRV' s 10-Year Shiller P/E Range
Min: 12.65  Med: 30.10 Max: 90.67
Current: 32.25
12.65
90.67
Days Sales Outstanding 24.60
ASRV's Days Sales Outstanding is ranked higher than
71% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. ASRV: 24.60 )
Ranked among companies with meaningful Days Sales Outstanding only.
ASRV' s 10-Year Days Sales Outstanding Range
Min: 21.84  Med: 41.76 Max: 84.46
Current: 24.6
21.84
84.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.18
ASRV's Dividend Yield is ranked lower than
84% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. ASRV: 1.18 )
Ranked among companies with meaningful Dividend Yield only.
ASRV' s 10-Year Dividend Yield Range
Min: 0.32  Med: 1.23 Max: 1.71
Current: 1.18
0.32
1.71
Dividend Payout 0.23
ASRV's Dividend Payout is ranked higher than
70% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ASRV: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
ASRV' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.35 Max: 4.5
Current: 0.23
0.11
4.5
Yield on cost (5-Year) 1.17
ASRV's Yield on cost (5-Year) is ranked lower than
84% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. ASRV: 1.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASRV' s 10-Year Yield on cost (5-Year) Range
Min: 0.32  Med: 1.23 Max: 1.71
Current: 1.17
0.32
1.71
Share Buyback Rate 3.70
ASRV's Share Buyback Rate is ranked higher than
94% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. ASRV: 3.70 )
Ranked among companies with meaningful Share Buyback Rate only.
ASRV' s 10-Year Share Buyback Rate Range
Min: 5.1  Med: 1.40 Max: -16.7
Current: 3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.77
ASRV's Price/Tangible Book is ranked higher than
77% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. ASRV: 0.77 )
Ranked among companies with meaningful Price/Tangible Book only.
ASRV' s 10-Year Price/Tangible Book Range
Min: 0.44  Med: 0.89 Max: 2.04
Current: 0.77
0.44
2.04
Price/Projected FCF 0.47
ASRV's Price/Projected FCF is ranked higher than
73% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. ASRV: 0.47 )
Ranked among companies with meaningful Price/Projected FCF only.
ASRV' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.39 Max: 1.14
Current: 0.47
0.16
1.14
Price/Median PS Value 1.03
ASRV's Price/Median PS Value is ranked higher than
58% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. ASRV: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
ASRV' s 10-Year Price/Median PS Value Range
Min: 0.5  Med: 1.01 Max: 2.42
Current: 1.03
0.5
2.42
Price/Graham Number 0.71
ASRV's Price/Graham Number is ranked higher than
66% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. ASRV: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
ASRV' s 10-Year Price/Graham Number Range
Min: 0.34  Med: 0.61 Max: 3.16
Current: 0.71
0.34
3.16
Earnings Yield (Greenblatt) (%) 3.79
ASRV's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ASRV: 3.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ASRV' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 4.60 Max: 16.5
Current: 3.79
0.4
16.5
Forward Rate of Return (Yacktman) (%) -4.65
ASRV's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. ASRV: -4.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ASRV' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.7  Med: 5.50 Max: 17.7
Current: -4.65
-0.7
17.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
AmeriServ Financial Inc is a bank holding company organized under the Pennsylvania Business Corporation Law. The Company became a holding company of AmeriServ Financial Bank. The Company's other wholly owned subsidiaries include AmeriServ Trust and Financial Services Company and AmeriServ Life Insurance Company. Through 18 locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland Counties, Pennsylvania, AmeriServ Financial Bank conducts a general banking business. It is a full-service Bank offering including, retail banking services, such as demand, savings and time deposits, money market accounts, secured and unsecured loans, mortgage loans, safe deposit boxes, holiday club accounts, money orders, and traveler's checks; lending, depository and related financial services to commercial, industrial, financial, and governmental customers, such as real estate-mortgage loans, short- and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services. The Bank also operates 20 automated bank teller machines (ATMs) through its 24-Hour Banking Network that is linked with NYCE, a regional ATM network and CIRRUS, a national ATM network. The subsidiaries face competition from other commercial banks, savings banks, credit unions, savings and loan associations, and several other financial or investment service institutions for business in the communities they serve. The Bank is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking.
» More Articles for NAS:ASRV

Headlines

Articles On GuruFocus.com
Triple Buys: What Are Companies, Insiders and Gurus Purchasing? Mar 13 2015 
AmeriServ Financial Inc. (ASRV) Non-executive Chairman Craig G Ford buys 1,000 Shares Dec 13 2010 
AmeriServ Financial Inc. (ASRV) CFO Jeffrey A Stopko buys 1,000 Shares Dec 08 2010 
AmeriServ Financial Inc. Reports Operating Results (10-Q) Nov 05 2010 
AmeriServ Financial Inc. (ASRV) CEO Gregor T Iv Young buys 5,000 Shares Aug 27 2010 
AmeriServ Financial Inc. Reports Operating Results (10-Q) Aug 06 2010 
AmeriServ Financial Inc. (ASRV) CFO Jeffrey A Stopko buys 1,000 Shares Jun 01 2010 
AmeriServ Financial Inc. Reports Operating Results (10-Q) May 07 2010 
AmeriServ Financial Inc. Reports Operating Results (10-Q) Nov 06 2009 
AmeriServ Financial Inc. (ASRV) CEO Glenn L Wilson buys 10,000 Shares Sep 02 2009 

More From Other Websites
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Jul 20 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Other Events Jul 20 2015
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Jul 20 2015
AmeriServ Financial Reports Increased Earnings For The Second Quarter And First Six Months Of 2015 Jul 14 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Jul 14 2015
AmeriServ Financial Reports Increased Earnings For The Second Quarter And First Six Months Of 2015 Jul 14 2015
AMERISERV FINANCIAL INC /PA/ Financials May 19 2015
10-Q for AmeriServ Financial, Inc. May 11 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-Q, Quarterly Report May 08 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 30 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Change in Directors or Principal Officers,... Apr 28 2015
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Apr 20 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Other Events Apr 20 2015
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Apr 20 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Apr 14 2015
AmeriServ Financial Reports Earnings For The First Quarter Of 2015 Apr 14 2015
AmeriServ Financial Inc. Appoints Senior Leadership Team Mar 24 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 24 2015
AmeriServ Financial Inc. Appoints Senior Leadership Team Mar 24 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-K, Annual Report Mar 06 2015

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