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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

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industry
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Interest Coverage No Debt
ASRVP's Interest Coverage is ranked higher than
67% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ASRVP: No Debt )
ASRVP' s 10-Year Interest Coverage Range
Min: 1000   Max: 1000
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 : 7/10

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Operating margin (%) 12.45
ASRVP's Operating margin (%) is ranked higher than
55% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. ASRVP: 12.45 )
ASRVP' s 10-Year Operating margin (%) Range
Min: -265.9   Max: 37.4
Current: 12.45

-265.9
37.4
Net-margin (%) 7.88
ASRVP's Net-margin (%) is ranked higher than
55% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. ASRVP: 7.88 )
ASRVP' s 10-Year Net-margin (%) Range
Min: -172.7   Max: 27
Current: 7.88

-172.7
27
ROE (%) 4.22
ASRVP's ROE (%) is ranked higher than
60% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. ASRVP: 4.22 )
ASRVP' s 10-Year ROE (%) Range
Min: -51.2   Max: 17.6
Current: 4.22

-51.2
17.6
ROA (%) 0.37
ASRVP's ROA (%) is ranked higher than
60% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. ASRVP: 0.37 )
ASRVP' s 10-Year ROA (%) Range
Min: -4.8   Max: 1.2
Current: 0.37

-4.8
1.2
ROC (Joel Greenblatt) (%) 68.00
ASRVP's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. ASRVP: 68.00 )
ASRVP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -66   Max: 107.6
Current: 68

-66
107.6
Revenue Growth (%) 0.80
ASRVP's Revenue Growth (%) is ranked higher than
84% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ASRVP: 0.80 )
ASRVP' s 10-Year Revenue Growth (%) Range
Min: -16.1   Max: 6.7
Current: 0.8

-16.1
6.7
EBITDA Growth (%) 5.60
ASRVP's EBITDA Growth (%) is ranked higher than
95% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. ASRVP: 5.60 )
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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Preferred stocks of AmeriServ Financial, Inc.

SymbolPriceYieldDescription
ASRVP26.266.008.45% Beneficial Unsecured Securities, Series A

Ratios

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EV-to-EBIT 22.20
ASRVP's EV-to-EBIT is ranked lower than
52% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. ASRVP: 22.20 )
ASRVP' s 10-Year EV-to-EBIT Range
Min: 2.7   Max: 1436.8
Current: 22.2

2.7
1436.8

Dividend & Buy Back

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Dividend Yield 6.00
ASRVP's Dividend Yield is ranked lower than
82% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. ASRVP: 6.00 )
ASRVP' s 10-Year Dividend Yield Range
Min: 0.58   Max: 15.45
Current: 6

0.58
15.45
Yield on cost (5-Year) 6.00
ASRVP's Yield on cost (5-Year) is ranked lower than
78% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. ASRVP: 6.00 )
ASRVP' s 10-Year Yield on cost (5-Year) Range
Min: 0.58   Max: 15.45
Current: 6

0.58
15.45

Valuation & Return

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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 (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 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.

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