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26.43 (1y: +1%)
Market Cap P/E(ttm)
Enterprise Value P/B
ASRVP- NAS (USA)
AmeriServ Financial, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$26.43
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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

vs
industry		 vs
history
Interest Coverage No Debt
ASRVP's Interest Coverage is ranked higher than
86% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. ASRVP: No Debt )
ASRVP' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.21
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

vs
industry		 vs
history
Operating margin (%) 16.10
ASRVP's Operating margin (%) is ranked higher than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. ASRVP: 16.10 )
ASRVP' s 10-Year Operating margin (%) Range
Min: -265.9   Max: 37.4
Current: 16.1
-265.9
37.4
Net-margin (%) 11.1
ASRVP's Net-margin (%) is ranked higher than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. ASRVP: 11.1 )
ASRVP' s 10-Year Net-margin (%) Range
Min: -172.7   Max: 27
Current: 11.1
-172.7
27
ROE (%) 4.8
ASRVP's ROE (%) is ranked higher than
63% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. ASRVP: 4.8 )
ASRVP' s 10-Year ROE (%) Range
Min: -51.2   Max: 17.6
Current: 4.8
-51.2
17.6
ROA (%) 0.4
ASRVP's ROA (%) is ranked higher than
62% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. ASRVP: 0.4 )
ASRVP' s 10-Year ROA (%) Range
Min: -4.8   Max: 1.2
Current: 0.4
-4.8
1.2
ROC (Joel Greenblatt) (%) 68.00
ASRVP's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRVP: 68.00 )
ASRVP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -66   Max: 107.6
Current: 68
-66
107.6
Revenue Growth (%) 0.8
ASRVP's Revenue Growth (%) is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRVP: 0.8 )
ASRVP' s 10-Year Revenue Growth (%) Range
Min: -16.1   Max: 6.7
Current: 0.8
-16.1
6.7
EBITDA Growth (%) 5.6
ASRVP's EBITDA Growth (%) is ranked lower than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRVP: 5.6 )
ASRVP' s 10-Year EBITDA Growth (%) Range
Min: -18.3   Max: 53.1
Current: 5.6
-18.3
53.1
» ASRVP's 10-Y Financials

Financials


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

» Details

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» Financial Charts

Peter Lynch Chart

Preferred stocks of AmeriServ Financial, Inc.

SymbolPriceYieldDescription
ASRVP26.437.998.45% Beneficial Unsecured Securities, Series A

Ratios

vs
industry		 vs
history
EV-to-EBIT 16.9
ASRVP's EV-to-EBIT is ranked higher than
60% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. ASRVP: 16.9 )
ASRVP' s 10-Year EV-to-EBIT Range
Min: 2.7   Max: 1436.8
Current: 16.9
2.7
1436.8

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 7.99
ASRVP's Dividend Yield is ranked lower than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ASRVP: 7.99 )
ASRVP' s 10-Year Dividend Yield Range
Min: 0.58   Max: 15.45
Current: 7.99
0.58
15.45
Yield on cost (5-Year) 8.00
ASRVP's Yield on cost (5-Year) is ranked lower than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. ASRVP: 8.00 )
ASRVP' s 10-Year Yield on cost (5-Year) Range
Min: 0.58   Max: 15.45
Current: 8
0.58
15.45

Valuation & Return

vs
industry		 vs
history

Business Description

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 (i) 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; (ii) 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 23 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» More Articles for ASRVP

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 

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