AmeriServ Financial Inc is a bank holding company. The company and its subsidiaries derive substantially all of their income from banking, bank-related services, and trust-related services. Its operating segment includes community banking; wealth management and investment/parent. The company generates maximum revenue from the community banking segment. The community banking segment includes both retail and commercial banking activities. Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans and small business commercial loans. Commercial banking to businesses includes commercial loans, business services, and CRE loans.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.12
Equity-to-Asset	0.07
Debt-to-Equity	1.13
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.31	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-0.3
	3-Year Book Growth Rate	-0.8

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	35.04
	9-Day RSI	42.87
	14-Day RSI	45.1
	6-1 Month Momentum %	1.96
	12-1 Month Momentum %	-12.75

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.91
	3-Year Dividend Growth Rate	6.3
	Forward Dividend Yield %	4.91
	5-Year Yield-on-Cost %	7.45
	3-Year Average Share Buyback Ratio	-0.2
	Shareholder Yield %	-40.19

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	-6.38
	FCF Margin %	9.61
	ROE %	-3.22
	ROA %	-0.25
	Years of Profitability over Past 10-Year	9

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	Shiller PE Ratio	8.17
	PS Ratio	0.82
	PB Ratio	0.41
	Price-to-Tangible-Book	0.47
	Price-to-Free-Cash-Flow	8.58
	Price-to-Operating-Cash-Flow	6.68
	EV-to-Revenue	2.74
	EV-to-FCF	29.46
	Price-to-Projected-FCF	0.36
	Price-to-DCF (FCF Based)	0.74
	Price-to-Median-PS-Value	0.64
	FCF Yield %	11.68
	Forward Rate of Return (Yacktman) %	9.73

GF Value: $3.62

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