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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 0.31
ASRV's Cash to Debt is ranked higher than
61% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. ASRV: 0.31 )
ASRV' s 10-Year Cash to Debt Range
Min: 0.04   Max: 1.87
Current: 0.31

0.04
1.87
Equity to Asset 0.11
ASRV's Equity to Asset is ranked higher than
79% of the 1967 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 1.15
ASRV's Interest Coverage is ranked higher than
66% of the 1806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. ASRV: 1.15 )
ASRV' s 10-Year Interest Coverage Range
Min: 0.01   Max: 1.15
Current: 1.15

0.01
1.15
F-Score: 3
Z-Score: 0.16
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 (%) 12.76
ASRV's Operating margin (%) is ranked higher than
55% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.56 vs. ASRV: 12.76 )
ASRV' s 10-Year Operating margin (%) Range
Min: -43.48   Max: 37.66
Current: 12.76

-43.48
37.66
Net-margin (%) 8.48
ASRV's Net-margin (%) is ranked higher than
54% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.62 vs. ASRV: 8.48 )
ASRV' s 10-Year Net-margin (%) Range
Min: -26.63   Max: 26.98
Current: 8.48

-26.63
26.98
ROE (%) 3.61
ASRV's ROE (%) is ranked higher than
57% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. ASRV: 3.61 )
ASRV' s 10-Year ROE (%) Range
Min: -12.19   Max: 16.04
Current: 3.61

-12.19
16.04
ROA (%) 0.39
ASRV's ROA (%) is ranked higher than
59% of the 1992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ASRV: 0.39 )
ASRV' s 10-Year ROA (%) Range
Min: -0.97   Max: 1.09
Current: 0.39

-0.97
1.09
ROC (Joel Greenblatt) (%) 37.27
ASRV's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.50 vs. ASRV: 37.27 )
ASRV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -18.95   Max: 233.33
Current: 37.27

-18.95
233.33
Revenue Growth (3Y)(%) 5.40
ASRV's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ASRV: 5.40 )
ASRV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.6   Max: 12.4
Current: 5.4

-20.6
12.4
EBITDA Growth (3Y)(%) 54.60
ASRV's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. ASRV: 54.60 )
ASRV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.6   Max: 76.5
Current: 54.6

-39.6
76.5
EPS Growth (3Y)(%) 196.20
ASRV's EPS Growth (3Y)(%) is ranked higher than
100% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ASRV: 196.20 )
ASRV' s 10-Year EPS Growth (3Y)(%) Range
Min: -58.5   Max: 196.2
Current: 196.2

-58.5
196.2
» ASRV's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

ASRV Guru Trades in Q4 2013

Jim Simons 183,500 sh (+1.16%)
» More
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 (+4.1%)
» 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!
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Preferred stocks of AmeriServ Financial Inc

SymbolPriceYieldDescription
ASRVP28.143.758.45% Beneficial Unsecured Securities, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 14.30
ASRV's P/E(ttm) is ranked higher than
82% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.50 vs. ASRV: 14.30 )
ASRV' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 241.22
Current: 14.3

6.77
241.22
P/B 0.61
ASRV's P/B is ranked higher than
94% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. ASRV: 0.61 )
ASRV' s 10-Year P/B Range
Min: 0.33   Max: 1.69
Current: 0.61

0.33
1.69
P/S 1.20
ASRV's P/S is ranked higher than
96% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.69 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 28.00
ASRV's PFCF is ranked higher than
76% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ASRV: 28.00 )
ASRV' s 10-Year PFCF Range
Min: 2.86   Max: 152.5
Current: 28

2.86
152.5
EV-to-EBIT 21.30
ASRV's EV-to-EBIT is ranked higher than
70% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.04 vs. ASRV: 21.30 )
ASRV' s 10-Year EV-to-EBIT Range
Min: -34.9   Max: 481.5
Current: 21.3

-34.9
481.5
Shiller P/E 30.07
ASRV's Shiller P/E is ranked higher than
81% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ASRV: 30.07 )
ASRV' s 10-Year Shiller P/E Range
Min: 10.88   Max: 90.67
Current: 30.07

10.88
90.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
ASRV's Dividend Yield is ranked lower than
73% of the 1885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.29 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 0.19
ASRV's Dividend Payout is ranked higher than
88% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. ASRV: 0.19 )
ASRV' s 10-Year Dividend Payout Range
Min: 0.11   Max: 4.5
Current: 0.19

0.11
4.5
Yield on cost (5-Year) 1.30
ASRV's Yield on cost (5-Year) is ranked lower than
71% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.54 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 3.60
ASRV's Share Buyback Rate is ranked higher than
96% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. ASRV: 3.60 )
ASRV' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -16.7
Current: 3.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.69
ASRV's Price/Tangible Book is ranked higher than
93% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. ASRV: 0.69 )
ASRV' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 2.04
Current: 0.69

0.44
2.04
Price/DCF (Projected) 0.45
ASRV's Price/DCF (Projected) is ranked higher than
93% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.06 vs. ASRV: 0.45 )
ASRV' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 1.14
Current: 0.45

0.16
1.14
Price/Median PS Value 0.94
ASRV's Price/Median PS Value is ranked higher than
90% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. ASRV: 0.94 )
ASRV' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.4
Current: 0.94

0.5
2.4
Price/Graham Number 0.59
ASRV's Price/Graham Number is ranked higher than
93% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. ASRV: 0.59 )
ASRV' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 3.16
Current: 0.59

0.34
3.16
Earnings Yield (Greenblatt) 4.70
ASRV's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ASRV: 4.70 )
ASRV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 16.5
Current: 4.7

0.2
16.5
Forward Rate of Return (Yacktman) -0.94
ASRV's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. ASRV: -0.94 )
ASRV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.7   Max: 21.8
Current: -0.94

-0.7
21.8

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
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 
AmeriServ Financial Inc. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
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
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Exclusive: AmeriServ Bank CEO Jeffrey Stopko Talks Loan Portfolios, Regulatory Environment And More Dec 05 2014
AMERISERV FINANCIAL INC /PA/ Financials Nov 15 2014
10-Q for AmeriServ Financial, Inc. Nov 10 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
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Oct 14 2014
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AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Jul 15 2014
AmeriServ Financial Reports Earnings For The Second Quarter And First Six Months Of 2014 Jul 15 2014
AmeriServ Bank Offers Discounts to PSEA Members Jun 05 2014
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-Q, Quarterly Report May 09 2014
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 23 2014
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Apr 21 2014
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Apr 15 2014
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