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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 0.35
ASRV's Cash to Debt is ranked higher than
63% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. ASRV: 0.35 )
ASRV' s 10-Year Cash to Debt Range
Min: 0.04   Max: 1
Current: 0.35

0.04
1
Equity to Asset 0.11
ASRV's Equity to Asset is ranked higher than
76% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ASRV: 0.11 )
ASRV' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.12
Current: 0.11

0.05
0.12
Interest Coverage 0.72
ASRV's Interest Coverage is ranked higher than
59% of the 1886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. ASRV: 0.72 )
ASRV' s 10-Year Interest Coverage Range
Min: 0.01   Max: 1.15
Current: 0.72

0.01
1.15
F-Score: 3
Z-Score: 0.15
WACC vs ROIC
4.87%
1.89%
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 (%) 9.55
ASRV's Operating margin (%) is ranked higher than
54% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. ASRV: 9.55 )
ASRV' s 10-Year Operating margin (%) Range
Min: -43.48   Max: 37.66
Current: 9.55

-43.48
37.66
Net-margin (%) 6.25
ASRV's Net-margin (%) is ranked higher than
53% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.13 vs. ASRV: 6.25 )
ASRV' s 10-Year Net-margin (%) Range
Min: -26.63   Max: 26.98
Current: 6.25

-26.63
26.98
ROE (%) 2.63
ASRV's ROE (%) is ranked higher than
55% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. ASRV: 2.63 )
ASRV' s 10-Year ROE (%) Range
Min: -12.19   Max: 16.04
Current: 2.63

-12.19
16.04
ROA (%) 0.28
ASRV's ROA (%) is ranked higher than
57% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. ASRV: 0.28 )
ASRV' s 10-Year ROA (%) Range
Min: -0.97   Max: 1.09
Current: 0.28

-0.97
1.09
ROC (Joel Greenblatt) (%) 26.73
ASRV's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.54 vs. ASRV: 26.73 )
ASRV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -18.95   Max: 102.84
Current: 26.73

-18.95
102.84
Revenue Growth (3Y)(%) 5.80
ASRV's Revenue Growth (3Y)(%) is ranked higher than
87% of the 1760 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ASRV: 5.80 )
ASRV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.6   Max: 12.4
Current: 5.8

-20.6
12.4
EBITDA Growth (3Y)(%) -12.60
ASRV's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. ASRV: -12.60 )
ASRV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.6   Max: 76.5
Current: -12.6

-39.6
76.5
EPS Growth (3Y)(%) -14.50
ASRV's EPS Growth (3Y)(%) is ranked higher than
57% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. ASRV: -14.50 )
ASRV' s 10-Year EPS Growth (3Y)(%) Range
Min: -58.5   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

Q1 2014

ASRV Guru Trades in Q1 2014

Jim Simons 211,189 sh (+15.09%)
» More
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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of AmeriServ Financial Inc

SymbolPriceYieldDescription
ASRVP26.827.888.45% 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) 19.10
ASRV's P/E(ttm) is ranked higher than
70% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. ASRV: 19.10 )
ASRV' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 241.22
Current: 19.1

6.77
241.22
Forward P/E 12.33
ASRV's Forward P/E is ranked higher than
80% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.73 vs. ASRV: 12.33 )
N/A
PE(NRI) 18.60
ASRV's PE(NRI) is ranked higher than
73% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. ASRV: 18.60 )
ASRV' s 10-Year PE(NRI) Range
Min: 6.8   Max: 99999999.99
Current: 18.6

6.8
99999999.99
P/B 0.60
ASRV's P/B is ranked higher than
93% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. ASRV: 0.60 )
ASRV' s 10-Year P/B Range
Min: 0.33   Max: 1.69
Current: 0.6

0.33
1.69
P/S 1.20
ASRV's P/S is ranked higher than
96% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. ASRV: 1.20 )
ASRV' s 10-Year P/S Range
Min: 0.64   Max: 3.25
Current: 1.2

0.64
3.25
PFCF 18.70
ASRV's PFCF is ranked higher than
77% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRV: 18.70 )
ASRV' s 10-Year PFCF Range
Min: 2.86   Max: 152.5
Current: 18.7

2.86
152.5
POCF 11.46
ASRV's POCF is ranked higher than
81% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 41.60 vs. ASRV: 11.46 )
ASRV' s 10-Year POCF Range
Min: 2.64   Max: 47.92
Current: 11.46

2.64
47.92
EV-to-EBIT 29.92
ASRV's EV-to-EBIT is ranked higher than
65% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.72 vs. ASRV: 29.92 )
ASRV' s 10-Year EV-to-EBIT Range
Min: -34.9   Max: 481.5
Current: 29.92

-34.9
481.5
Shiller P/E 31.40
ASRV's Shiller P/E is ranked higher than
76% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRV: 31.40 )
ASRV' s 10-Year Shiller P/E Range
Min: 11.52   Max: 90.67
Current: 31.4

11.52
90.67
Days Sales Outstanding 23.60
ASRV's Days Sales Outstanding is ranked higher than
93% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRV: 23.60 )
ASRV' s 10-Year Days Sales Outstanding Range
Min: 21.84   Max: 84.46
Current: 23.6

21.84
84.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
ASRV's Dividend Yield is ranked lower than
75% of the 1924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. ASRV: 1.30 )
ASRV' s 10-Year Dividend Yield Range
Min: 0.32   Max: 1.71
Current: 1.3

0.32
1.71
Dividend Payout 0.27
ASRV's Dividend Payout is ranked higher than
82% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. ASRV: 0.27 )
ASRV' s 10-Year Dividend Payout Range
Min: 0.1   Max: 3.23
Current: 0.27

0.1
3.23
Yield on cost (5-Year) 1.30
ASRV's Yield on cost (5-Year) is ranked lower than
74% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. ASRV: 1.30 )
ASRV' s 10-Year Yield on cost (5-Year) Range
Min: 0.32   Max: 1.71
Current: 1.3

0.32
1.71
Share Buyback Rate 3.70
ASRV's Share Buyback Rate is ranked higher than
95% of the 1468 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.10 vs. ASRV: 3.70 )
ASRV' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -16.7
Current: 3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
ASRV's Price/Tangible Book is ranked higher than
93% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. ASRV: 0.70 )
ASRV' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 2.04
Current: 0.7

0.44
2.04
Price/DCF (Projected) 0.40
ASRV's Price/DCF (Projected) is ranked higher than
93% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRV: 0.40 )
ASRV' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 1.05
Current: 0.4

0.19
1.05
Price/Median PS Value 0.90
ASRV's Price/Median PS Value is ranked higher than
90% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. ASRV: 0.90 )
ASRV' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 2.29
Current: 0.9

0.57
2.29
Price/Graham Number 0.70
ASRV's Price/Graham Number is ranked higher than
90% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ASRV: 0.70 )
ASRV' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 2.6
Current: 0.7

0.34
2.6
Earnings Yield (Greenblatt) 3.30
ASRV's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ASRV: 3.30 )
ASRV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 16.5
Current: 3.3

0.2
16.5
Forward Rate of Return (Yacktman) 0.38
ASRV's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. ASRV: 0.38 )
ASRV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.7   Max: 20.7
Current: 0.38

-0.7
20.7

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 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. 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/ Financials Mar 13 2015
10-K for AmeriServ Financial, Inc. Mar 08 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-K, Annual Report Mar 06 2015
MOVES-AmeriServ names Michael Lynch interim CFO Jan 21 2015
AmeriServ Financial Reports Earnings for the Fourth Quarter and Full Year of 2014 and Declares... Jan 20 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Jan 20 2015
AmeriServ Financial Reports Earnings for the Fourth Quarter and Full Year of 2014 and Declares... Jan 20 2015
AmeriServ CEO goes to Chesapeake Bancorp Jan 12 2015
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... Jan 02 2015
AmeriServ Financial, Inc. Announces Leadership Change Dec 11 2014
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Change in Directors or Principal Officers,... Dec 11 2014
AmeriServ Financial, Inc. Announces Leadership Change Dec 11 2014
Exclusive: AmeriServ Bank CEO Jeffrey Stopko Talks Loan Portfolios, Regulatory Environment And More Dec 05 2014
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-Q, Quarterly Report Nov 07 2014
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Change in Directors or Principal Officers Oct 21 2014
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Oct 17 2014
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Oct 17 2014

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