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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 0.41
ASRVP's Cash to Debt is ranked lower than
74% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. ASRVP: 0.41 )
Ranked among companies with meaningful Cash to Debt only.
ASRVP' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.32 Max: 1
Current: 0.41
0.04
1
Equity to Asset 0.09
ASRVP's Equity to Asset is ranked lower than
62% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ASRVP: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ASRVP' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.10 Max: 0.12
Current: 0.09
0.05
0.12
Interest Coverage 0.67
ASRVP's Interest Coverage is ranked lower than
73% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. ASRVP: 0.67 )
Ranked among companies with meaningful Interest Coverage only.
ASRVP' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.72 Max: 1.28
Current: 0.67
0.11
1.28
F-Score: 5
M-Score: -2.57
WACC vs ROIC
3.97%
1.75%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 9.08
ASRVP's Operating margin (%) is ranked lower than
88% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. ASRVP: 9.08 )
Ranked among companies with meaningful Operating margin (%) only.
ASRVP' s Operating margin (%) Range Over the Past 10 Years
Min: -17.14  Med: 12.75 Max: 20.48
Current: 9.08
-17.14
20.48
Net-margin (%) 6.73
ASRVP's Net-margin (%) is ranked lower than
89% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. ASRVP: 6.73 )
Ranked among companies with meaningful Net-margin (%) only.
ASRVP' s Net-margin (%) Range Over the Past 10 Years
Min: -10.56  Med: 9.24 Max: 14.26
Current: 6.73
-10.56
14.26
ROE (%) 2.80
ASRVP's ROE (%) is ranked lower than
86% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. ASRVP: 2.80 )
Ranked among companies with meaningful ROE (%) only.
ASRVP' s ROE (%) Range Over the Past 10 Years
Min: -5.39  Med: 3.63 Max: 5.41
Current: 2.8
-5.39
5.41
ROA (%) 0.30
ASRVP's ROA (%) is ranked lower than
83% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. ASRVP: 0.30 )
Ranked among companies with meaningful ROA (%) only.
ASRVP' s ROA (%) Range Over the Past 10 Years
Min: -0.51  Med: 0.42 Max: 0.68
Current: 0.3
-0.51
0.68
Revenue Growth (3Y)(%) 3.80
ASRVP's Revenue Growth (3Y)(%) is ranked higher than
55% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. ASRVP: 3.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASRVP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.7  Med: 1.40 Max: 9.8
Current: 3.8
-20.7
9.8
EBITDA Growth (3Y)(%) 6.30
ASRVP's EBITDA Growth (3Y)(%) is ranked higher than
50% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ASRVP: 6.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ASRVP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.6  Med: -0.80 Max: 77.3
Current: 6.3
-39.6
77.3
EPS Growth (3Y)(%) 12.80
ASRVP's EPS Growth (3Y)(%) is ranked higher than
65% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ASRVP: 12.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ASRVP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -65  Med: -0.80 Max: 252.1
Current: 12.8
-65
252.1
» ASRVP's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-14)


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

» Details

Insider Trades

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Preferred stocks of AmeriServ Financial Inc

SymbolPriceYieldDescription
ASRVP28.267.488.45% Beneficial Unsecured Securities, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 19.05
ASRVP's P/E(ttm) is ranked lower than
77% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. ASRVP: 19.05 )
Ranked among companies with meaningful P/E(ttm) only.
ASRVP' s P/E(ttm) Range Over the Past 10 Years
Min: 6.77  Med: 14.76 Max: 241.11
Current: 19.05
6.77
241.11
PE(NRI) 19.05
ASRVP's PE(NRI) is ranked lower than
77% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. ASRVP: 19.05 )
Ranked among companies with meaningful PE(NRI) only.
ASRVP' s PE(NRI) Range Over the Past 10 Years
Min: 6.8  Med: 14.87 Max: 99999999.99
Current: 19.05
6.8
99999999.99
Price/Owner Earnings (ttm) 8.23
ASRVP's Price/Owner Earnings (ttm) is ranked higher than
69% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. ASRVP: 8.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ASRVP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.1  Med: 8.99 Max: 102.22
Current: 8.23
1.1
102.22
P/B 0.59
ASRVP's P/B is ranked higher than
79% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ASRVP: 0.59 )
Ranked among companies with meaningful P/B only.
ASRVP' 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 1.13
ASRVP's P/S is ranked higher than
88% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. ASRVP: 1.13 )
Ranked among companies with meaningful P/S only.
ASRVP' s P/S Range Over the Past 10 Years
Min: 0.65  Med: 1.24 Max: 3.16
Current: 1.13
0.65
3.16
PFCF 6.45
ASRVP's PFCF is ranked higher than
67% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. ASRVP: 6.45 )
Ranked among companies with meaningful PFCF only.
ASRVP' s PFCF Range Over the Past 10 Years
Min: 2.85  Med: 9.07 Max: 470
Current: 6.45
2.85
470
POCF 5.88
ASRVP's POCF is ranked higher than
65% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. ASRVP: 5.88 )
Ranked among companies with meaningful POCF only.
ASRVP' s POCF Range Over the Past 10 Years
Min: 2.64  Med: 7.65 Max: 28.63
Current: 5.88
2.64
28.63
PEG 0.57
ASRVP's PEG is ranked higher than
75% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ASRVP: 0.57 )
Ranked among companies with meaningful PEG only.
ASRVP' s PEG Range Over the Past 10 Years
Min: 1.29  Med: 1.40 Max: 1.97
Current: 0.57
1.29
1.97
Shiller P/E 21.20
ASRVP's Shiller P/E is ranked lower than
65% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. ASRVP: 21.20 )
Ranked among companies with meaningful Shiller P/E only.
ASRVP' s Shiller P/E Range Over the Past 10 Years
Min: 8.29  Med: 13.54 Max: 65
Current: 21.2
8.29
65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.48
ASRVP's Dividend Yield is ranked lower than
85% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. ASRVP: 7.48 )
Ranked among companies with meaningful Dividend Yield only.
ASRVP' s Dividend Yield Range Over the Past 10 Years
Min: 0.32  Med: 1.24 Max: 7.48
Current: 7.48
0.32
7.48
Forward Dividend Yield 7.45
ASRVP's Forward Dividend Yield is ranked lower than
88% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. ASRVP: 7.45 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.48
ASRVP's Yield on cost (5-Year) is ranked lower than
84% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. ASRVP: 7.48 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASRVP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.32  Med: 1.24 Max: 7.45
Current: 7.48
0.32
7.45
3-Year Average Share Buyback Ratio 1.40
ASRVP's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. ASRVP: 1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ASRVP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.7  Med: 1.40 Max: 5.1
Current: 1.4
-16.7
5.1

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) (%) 18.48
ASRVP's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. ASRVP: 18.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ASRVP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.7  Med: 5.40 Max: 18.8
Current: 18.48
-0.7
18.8

More Statistics

Revenue(Mil) $50
Beta-0.18
Short Percentage of Float0.00%
52-Week Range $26.01 - 32.36

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 ASRVP

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. 2016 Annual Shareholder Meeting: Live Webcast Today Apr 26 2016
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Apr 25 2016
AmeriServ Financial, Inc. Announces Annual Shareholder Meeting Webcast Apr 19 2016
AmeriServ Financial Reports Earnings For The First Quarter Of 2016 Apr 19 2016
AmeriServ Financial, Inc. to Webcast 2016 Annual Shareholder Meeting Apr 12 2016
AmeriServ Financial, Inc. Completes Redemption Of SBLF Preferred Stock Jan 28 2016
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Jan 25 2016
AmeriServ Financial Reports Increased Earnings For The Fourth Quarter And Full Year Of 2015 Jan 19 2016
AmeriServ Financial, Inc. Completes Private Placement Of $7.65 Million Of Subordinated Debt Jan 04 2016
AmeriServ Financial Reports Increased Earnings For The Third Quarter And First Nine Months Of 2015... Oct 20 2015
AmeriServ Financial, Inc. Declares Quarterly Common Stock Cash Dividend Jul 20 2015
AmeriServ Financial Reports Increased Earnings For The Second Quarter And First Six Months Of 2015 Jul 14 2015

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