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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 0.35
ASRVP's Cash to Debt is ranked higher than
63% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. ASRVP: 0.35 )
ASRVP' s 10-Year Cash to Debt Range
Min: 0.04   Max: 1
Current: 0.35

0.04
1
Equity to Asset 0.11
ASRVP's Equity to Asset is ranked higher than
76% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ASRVP: 0.11 )
ASRVP' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.12
Current: 0.11

0.05
0.12
Interest Coverage 0.72
ASRVP's Interest Coverage is ranked higher than
59% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. ASRVP: 0.72 )
ASRVP' s 10-Year Interest Coverage Range
Min: 0.01   Max: 1.15
Current: 0.72

0.01
1.15
F-Score: 3
Z-Score: 0.15
WACC vs ROIC
4.86%
1.89%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 9.55
ASRVP's Operating margin (%) is ranked higher than
54% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. ASRVP: 9.55 )
ASRVP' s 10-Year Operating margin (%) Range
Min: -43.48   Max: 37.66
Current: 9.55

-43.48
37.66
Net-margin (%) 6.25
ASRVP's Net-margin (%) is ranked higher than
53% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.03 vs. ASRVP: 6.25 )
ASRVP' s 10-Year Net-margin (%) Range
Min: -26.63   Max: 26.98
Current: 6.25

-26.63
26.98
ROE (%) 2.63
ASRVP's ROE (%) is ranked higher than
55% of the 2051 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. ASRVP: 2.63 )
ASRVP' s 10-Year ROE (%) Range
Min: -12.19   Max: 16.04
Current: 2.63

-12.19
16.04
ROA (%) 0.28
ASRVP's ROA (%) is ranked higher than
57% of the 2054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. ASRVP: 0.28 )
ASRVP' s 10-Year ROA (%) Range
Min: -0.97   Max: 1.09
Current: 0.28

-0.97
1.09
ROC (Joel Greenblatt) (%) 26.73
ASRVP's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. ASRVP: 26.73 )
ASRVP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -18.95   Max: 102.84
Current: 26.73

-18.95
102.84
Revenue Growth (3Y)(%) 5.80
ASRVP's Revenue Growth (3Y)(%) is ranked higher than
87% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ASRVP: 5.80 )
ASRVP' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.6   Max: 12.4
Current: 5.8

-20.6
12.4
EBITDA Growth (3Y)(%) -12.60
ASRVP's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. ASRVP: -12.60 )
ASRVP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.6   Max: 76.5
Current: -12.6

-39.6
76.5
EPS Growth (3Y)(%) -14.50
ASRVP's EPS Growth (3Y)(%) is ranked higher than
58% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. ASRVP: -14.50 )
ASRVP' s 10-Year EPS Growth (3Y)(%) Range
Min: -58.5   Max: 196.2
Current: -14.5

-58.5
196.2
» 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
ASRVP26.977.808.45% Beneficial Unsecured Securities, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 18.20
ASRVP's P/E(ttm) is ranked higher than
70% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. ASRVP: 18.20 )
ASRVP' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 241.22
Current: 18.2

6.77
241.22
Forward P/E 12.33
ASRVP's Forward P/E is ranked higher than
79% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.08 vs. ASRVP: 12.33 )
N/A
PE(NRI) 18.40
ASRVP's PE(NRI) is ranked higher than
73% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. ASRVP: 18.40 )
ASRVP' s 10-Year PE(NRI) Range
Min: 6.8   Max: 99999999.99
Current: 18.4

6.8
99999999.99
P/B 0.60
ASRVP's P/B is ranked higher than
93% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. ASRVP: 0.60 )
ASRVP' s 10-Year P/B Range
Min: 0.33   Max: 1.69
Current: 0.6

0.33
1.69
P/S 1.20
ASRVP's P/S is ranked higher than
96% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.71 vs. ASRVP: 1.20 )
ASRVP' s 10-Year P/S Range
Min: 0.64   Max: 3.25
Current: 1.2

0.64
3.25
PFCF 17.80
ASRVP's PFCF is ranked higher than
77% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRVP: 17.80 )
ASRVP' s 10-Year PFCF Range
Min: 2.86   Max: 152.5
Current: 17.8

2.86
152.5
POCF 11.35
ASRVP's POCF is ranked higher than
81% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 48.59 vs. ASRVP: 11.35 )
ASRVP' s 10-Year POCF Range
Min: 2.64   Max: 47.92
Current: 11.35

2.64
47.92
EV-to-EBIT 29.80
ASRVP's EV-to-EBIT is ranked higher than
66% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.66 vs. ASRVP: 29.80 )
ASRVP' s 10-Year EV-to-EBIT Range
Min: -34.9   Max: 481.5
Current: 29.8

-34.9
481.5
Shiller P/E 29.80
ASRVP's Shiller P/E is ranked higher than
76% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRVP: 29.80 )
ASRVP' s 10-Year Shiller P/E Range
Min: 10.88   Max: 90.67
Current: 29.8

10.88
90.67
Days Sales Outstanding 23.60
ASRVP's Days Sales Outstanding is ranked higher than
93% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ASRVP: 23.60 )
ASRVP' s 10-Year Days Sales Outstanding Range
Min: 21.84   Max: 84.46
Current: 23.6

21.84
84.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.80
ASRVP's Dividend Yield is ranked lower than
73% of the 1923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.36 vs. ASRVP: 7.80 )
ASRVP' s 10-Year Dividend Yield Range
Min: 0.32   Max: 1.71
Current: 7.8

0.32
1.71
Yield on cost (5-Year) 7.80
ASRVP's Yield on cost (5-Year) is ranked lower than
73% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. ASRVP: 7.80 )
ASRVP' s 10-Year Yield on cost (5-Year) Range
Min: 0.32   Max: 1.71
Current: 7.8

0.32
1.71
Share Buyback Rate 3.70
ASRVP's Share Buyback Rate is ranked higher than
95% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.20 vs. ASRVP: 3.70 )
ASRVP' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -16.7
Current: 3.7

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 3.60
ASRVP's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ASRVP: 3.60 )
ASRVP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 16.5
Current: 3.6

0.2
16.5
Forward Rate of Return (Yacktman) 0.79
ASRVP's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. ASRVP: 0.79 )
ASRVP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.7   Max: 21.8
Current: 0.79

-0.7
21.8

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.

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