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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.29
ASRV's Cash to Debt is ranked lower than
81% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 vs. ASRV: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
ASRV' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.25 Max: 1.87
Current: 0.29
0.04
1.87
Equity to Asset 0.09
ASRV's Equity to Asset is ranked lower than
62% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ASRV: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ASRV' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.1 Max: 0.12
Current: 0.09
0.05
0.12
Interest Coverage 0.62
ASRV's Interest Coverage is ranked lower than
75% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ASRV: 0.62 )
Ranked among companies with meaningful Interest Coverage only.
ASRV' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.72 Max: 1.28
Current: 0.62
0.11
1.28
F-Score: 3
M-Score: -2.56
WACC vs ROIC
3.29%
1.70%
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 (%) 8.90
ASRV's Operating margin (%) is ranked lower than
87% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. ASRV: 8.90 )
Ranked among companies with meaningful Operating margin (%) only.
ASRV' s Operating margin (%) Range Over the Past 10 Years
Min: -17.14  Med: 12.75 Max: 20.48
Current: 8.9
-17.14
20.48
Net-margin (%) 6.64
ASRV's Net-margin (%) is ranked lower than
87% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 vs. ASRV: 6.64 )
Ranked among companies with meaningful Net-margin (%) only.
ASRV' s Net-margin (%) Range Over the Past 10 Years
Min: -10.56  Med: 9.24 Max: 14.26
Current: 6.64
-10.56
14.26
ROE (%) 2.88
ASRV's ROE (%) is ranked lower than
85% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. ASRV: 2.88 )
Ranked among companies with meaningful ROE (%) only.
ASRV' s ROE (%) Range Over the Past 10 Years
Min: -5.49  Med: 3.63 Max: 5.38
Current: 2.88
-5.49
5.38
ROA (%) 0.29
ASRV's ROA (%) is ranked lower than
82% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ASRV: 0.29 )
Ranked among companies with meaningful ROA (%) only.
ASRV' s ROA (%) Range Over the Past 10 Years
Min: -0.51  Med: 0.42 Max: 0.68
Current: 0.29
-0.51
0.68
Revenue Growth (3Y)(%) 3.80
ASRV's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. ASRV: 3.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASRV' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.7  Med: 1.4 Max: 9.8
Current: 3.8
-20.7
9.8
EBITDA Growth (3Y)(%) 6.30
ASRV's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. ASRV: 6.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ASRV' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.6  Med: -0.8 Max: 77.3
Current: 6.3
-39.6
77.3
EPS Growth (3Y)(%) 13.90
ASRV's EPS Growth (3Y)(%) is ranked higher than
69% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ASRV: 13.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ASRV' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58.5  Med: -1.4 Max: 196.2
Current: 13.9
-58.5
196.2
» ASRV's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-20)


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

» Details

Guru Trades

Q3 2015

ASRV Guru Trades in Q3 2015

Jim Simons 298,600 sh (+7.06%)
» More
Q4 2015

ASRV Guru Trades in Q4 2015

Jim Simons 311,600 sh (+4.35%)
» More
Q1 2016

ASRV Guru Trades in Q1 2016

Jim Simons 333,800 sh (+7.12%)
» More
Q2 2016

ASRV Guru Trades in Q2 2016

Jim Simons 343,800 sh (+3.00%)
» 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
ASRVP27.133.898.45% Beneficial Unsecured Securities, Series A

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BYBK, OTCPK:JFBC, OTCPK:PBAM, OTCPK:CNAF, OTCPK:NWYF, NAS:MGYR, NAS:CWAY, ARCA:SFBC, OTCPK:FABK, OTCPK:EMPK, OTCPK:VABK, OTCPK:FFHD, OTCPK:PUGB, NAS:BOTJ, NAS:FBSS, NAS:SBFG, NAS:CWBC, OTCPK:CRLN, OTCPK:FDVA, OTCPK:STND » details
AmeriServ Financial Inc is a bank holding company. The Company through its subsidiary provides an array of consumer, mortgage, and commercial financial products.

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 it serves. The Bank is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking.

Ratios

vs
industry
vs
history
P/E(ttm) 19.88
ASRV's P/E(ttm) is ranked lower than
78% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. ASRV: 19.88 )
Ranked among companies with meaningful P/E(ttm) only.
ASRV' s P/E(ttm) Range Over the Past 10 Years
Min: 6.8  Med: 15.76 Max: 217
Current: 19.88
6.8
217
PE(NRI) 19.88
ASRV's PE(NRI) is ranked lower than
78% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. ASRV: 19.88 )
Ranked among companies with meaningful PE(NRI) only.
ASRV' s PE(NRI) Range Over the Past 10 Years
Min: 6.8  Med: 15.76 Max: 217
Current: 19.88
6.8
217
Price/Owner Earnings (ttm) 17.98
ASRV's Price/Owner Earnings (ttm) is ranked lower than
73% of the 830 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. ASRV: 17.98 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ASRV' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.1  Med: 9.4 Max: 102.22
Current: 17.98
1.1
102.22
P/B 0.59
ASRV's P/B is ranked higher than
80% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ASRV: 0.59 )
Ranked among companies with meaningful P/B only.
ASRV' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 0.63 Max: 1.39
Current: 0.59
0.33
1.39
P/S 1.20
ASRV's P/S is ranked higher than
88% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. ASRV: 1.20 )
Ranked among companies with meaningful P/S only.
ASRV' s P/S Range Over the Past 10 Years
Min: 0.65  Med: 1.23 Max: 3.16
Current: 1.2
0.65
3.16
PFCF 7.40
ASRV's PFCF is ranked higher than
65% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.53 vs. ASRV: 7.40 )
Ranked among companies with meaningful PFCF only.
ASRV' s PFCF Range Over the Past 10 Years
Min: 2.85  Med: 8.79 Max: 470
Current: 7.4
2.85
470
POCF 6.55
ASRV's POCF is ranked higher than
63% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. ASRV: 6.55 )
Ranked among companies with meaningful POCF only.
ASRV' s POCF Range Over the Past 10 Years
Min: 2.64  Med: 7.51 Max: 24.48
Current: 6.55
2.64
24.48
EV-to-EBIT 33.05
ASRV's EV-to-EBIT is ranked lower than
87% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. ASRV: 33.05 )
Ranked among companies with meaningful EV-to-EBIT only.
ASRV' s EV-to-EBIT Range Over the Past 10 Years
Min: -34.9  Med: 17.7 Max: 57.4
Current: 33.05
-34.9
57.4
EV-to-EBITDA 23.65
ASRV's EV-to-EBITDA is ranked lower than
82% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. ASRV: 23.65 )
Ranked among companies with meaningful EV-to-EBITDA only.
ASRV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -76.1  Med: 14 Max: 27.4
Current: 23.65
-76.1
27.4
PEG 1.11
ASRV's PEG is ranked higher than
52% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. ASRV: 1.11 )
Ranked among companies with meaningful PEG only.
ASRV' s PEG Range Over the Past 10 Years
Min: 1.11  Med: 1.66 Max: 1.97
Current: 1.11
1.11
1.97
Shiller P/E 22.85
ASRV's Shiller P/E is ranked lower than
68% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. ASRV: 22.85 )
Ranked among companies with meaningful Shiller P/E only.
ASRV' s Shiller P/E Range Over the Past 10 Years
Min: 6.36  Med: 10.55 Max: 56.33
Current: 22.85
6.36
56.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.41
ASRV's Dividend Yield is ranked lower than
81% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. ASRV: 1.41 )
Ranked among companies with meaningful Dividend Yield only.
ASRV' s Dividend Yield Range Over the Past 10 Years
Min: 0.32  Med: 1.25 Max: 1.71
Current: 1.41
0.32
1.71
Dividend Payout 0.23
ASRV's Dividend Payout is ranked higher than
71% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ASRV: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
ASRV' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.33 Max: 4.5
Current: 0.23
0.11
4.5
Forward Dividend Yield 1.91
ASRV's Forward Dividend Yield is ranked lower than
77% of the 2104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. ASRV: 1.91 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.41
ASRV's Yield on cost (5-Year) is ranked lower than
82% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. ASRV: 1.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASRV' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.32  Med: 1.25 Max: 1.71
Current: 1.41
0.32
1.71
3-Year Average Share Buyback Ratio 0.50
ASRV's 3-Year Average Share Buyback Ratio is ranked higher than
83% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. ASRV: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ASRV' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.7  Med: 0.5 Max: 4.9
Current: 0.5
-16.7
4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.69
ASRV's Price/Tangible Book is ranked higher than
78% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. ASRV: 0.69 )
Ranked among companies with meaningful Price/Tangible Book only.
ASRV' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.44  Med: 0.88 Max: 1.56
Current: 0.69
0.44
1.56
Price/Projected FCF 0.43
ASRV's Price/Projected FCF is ranked higher than
75% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. ASRV: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
ASRV' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.41 Max: 1.14
Current: 0.43
0.16
1.14
Price/Median PS Value 0.98
ASRV's Price/Median PS Value is ranked higher than
63% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ASRV: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
ASRV' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.05 Max: 2.43
Current: 0.98
0.52
2.43
Price/Graham Number 0.78
ASRV's Price/Graham Number is ranked higher than
57% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. ASRV: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
ASRV' s Price/Graham Number Range Over the Past 10 Years
Min: 0.36  Med: 0.7 Max: 2.58
Current: 0.78
0.36
2.58
Earnings Yield (Greenblatt) (%) 3.00
ASRV's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. ASRV: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ASRV' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.7  Med: 4.6 Max: 16.5
Current: 3
1.7
16.5
Forward Rate of Return (Yacktman) (%) 4.18
ASRV's Forward Rate of Return (Yacktman) (%) is ranked lower than
70% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 vs. ASRV: 4.18 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ASRV' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.7  Med: 4.95 Max: 18.5
Current: 4.18
-0.7
18.5

More Statistics

Revenue (TTM) (Mil) $49.71
EPS (TTM) $ 0.16
Beta0.01
Short Percentage of Float0.97%
52-Week Range $2.90 - 3.40
Shares Outstanding (Mil)18.90
» 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 /PA/ Financials Aug 13 2016
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-Q, Quarterly Report Aug 05 2016
AmeriServ Financial, Inc. Increases Quarterly Common Stock Cash Dividend Jul 25 2016
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Other Events Jul 25 2016
AmeriServ Financial, Inc. Increases Quarterly Common Stock Cash Dividend Jul 25 2016
AmeriServ Financial, Inc. :ASRV-US: Earnings Analysis: Q2, 2016 By the Numbers : July 21, 2016 Jul 21 2016
ETF’s with exposure to AmeriServ Financial, Inc. : July 19, 2016 Jul 19 2016
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Results of Operations and Financial Condition Jul 19 2016
AmeriServ Financial Reports Earnings For The Second Quarter And First Six Months Of 2016 Jul 19 2016
AmeriServ Financial, Inc. :ASRV-US: Earnings Analysis: Q1, 2016 By the Numbers : June 22, 2016 Jun 22 2016
AMERISERV FINANCIAL INC /PA/ Files SEC form 10-Q, Quarterly Report May 06 2016
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 27 2016
AmeriServ Financial, Inc. 2016 Annual Shareholder Meeting: Live Webcast Today Apr 26 2016
AmeriServ Financial, Inc. 2016 Annual Shareholder Meeting: Live Webcast Today Apr 26 2016
AMERISERV FINANCIAL INC /PA/ Files SEC form 8-K, Other Events Apr 25 2016
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Apr 25 2016
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Apr 25 2016
ETF’s with exposure to AmeriServ Financial, Inc. : April 22, 2016 Apr 22 2016
AmeriServ Financial, Inc. :ASRV-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
AmeriServ Financial, Inc. Announces Annual Shareholder Meeting Webcast Apr 19 2016

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