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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 0.36
ASRVP's Cash to Debt is ranked lower than
74% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. ASRVP: 0.36 )
Ranked among companies with meaningful Cash to Debt only.
ASRVP' s 10-Year Cash to Debt Range
Min: 0.04   Max: 1.87
Current: 0.36

0.04
1.87
Equity to Asset 0.11
ASRVP's Equity to Asset is ranked higher than
59% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ASRVP: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
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 lower than
72% of the 1198 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. ASRVP: 0.72 )
Ranked among companies with meaningful Interest Coverage only.
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: 0.16
WACC vs ROIC
4.84%
2.15%
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 (%) 10.80
ASRVP's Operating margin (%) is ranked lower than
85% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. ASRVP: 10.80 )
Ranked among companies with meaningful Operating margin (%) only.
ASRVP' s 10-Year Operating margin (%) Range
Min: -43.48   Max: 37.66
Current: 10.8

-43.48
37.66
Net-margin (%) 7.07
ASRVP's Net-margin (%) is ranked lower than
86% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. ASRVP: 7.07 )
Ranked among companies with meaningful Net-margin (%) only.
ASRVP' s 10-Year Net-margin (%) Range
Min: -26.63   Max: 26.98
Current: 7.07

-26.63
26.98
ROE (%) 3.00
ASRVP's ROE (%) is ranked lower than
83% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. ASRVP: 3.00 )
Ranked among companies with meaningful ROE (%) only.
ASRVP' s 10-Year ROE (%) Range
Min: -12.19   Max: 16.04
Current: 3

-12.19
16.04
ROA (%) 0.32
ASRVP's ROA (%) is ranked lower than
80% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. ASRVP: 0.32 )
Ranked among companies with meaningful ROA (%) only.
ASRVP' s 10-Year ROA (%) Range
Min: -0.97   Max: 1.09
Current: 0.32

-0.97
1.09
ROC (Joel Greenblatt) (%) 35.43
ASRVP's ROC (Joel Greenblatt) (%) is ranked lower than
71% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. ASRVP: 35.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ASRVP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -18.95   Max: 88.76
Current: 35.43

-18.95
88.76
Revenue Growth (3Y)(%) 5.80
ASRVP's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ASRVP: 5.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ASRVP' s 10-Year Revenue Growth (3Y)(%) Range
Min: -20.6   Max: 9.8
Current: 5.8

-20.6
9.8
EBITDA Growth (3Y)(%) -12.60
ASRVP's EBITDA Growth (3Y)(%) is ranked lower than
86% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ASRVP: -12.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
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 lower than
86% of the 1001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. ASRVP: -14.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
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
ASRVP31.616.688.45% Beneficial Unsecured Securities, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 20.70
ASRVP's P/E(ttm) is ranked lower than
75% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. ASRVP: 20.70 )
Ranked among companies with meaningful P/E(ttm) only.
ASRVP' s 10-Year P/E(ttm) Range
Min: 6.77   Max: 241.22
Current: 20.7

6.77
241.22
Forward P/E 12.33
ASRVP's Forward P/E is ranked lower than
53% of the 1302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.03 vs. ASRVP: 12.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.80
ASRVP's PE(NRI) is ranked lower than
74% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. ASRVP: 18.80 )
Ranked among companies with meaningful PE(NRI) only.
ASRVP' s 10-Year PE(NRI) Range
Min: 6.8   Max: 99999999.99
Current: 18.8

6.8
99999999.99
P/B 0.70
ASRVP's P/B is ranked higher than
82% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ASRVP: 0.70 )
Ranked among companies with meaningful P/B only.
ASRVP' s 10-Year P/B Range
Min: 0.33   Max: 1.69
Current: 0.7

0.33
1.69
P/S 1.30
ASRVP's P/S is ranked higher than
88% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. ASRVP: 1.30 )
Ranked among companies with meaningful P/S only.
ASRVP' s 10-Year P/S Range
Min: 0.64   Max: 3.25
Current: 1.3

0.64
3.25
PFCF 17.20
ASRVP's PFCF is ranked lower than
69% of the 1098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. ASRVP: 17.20 )
Ranked among companies with meaningful PFCF only.
ASRVP' s 10-Year PFCF Range
Min: 2.86   Max: 152.5
Current: 17.2

2.86
152.5
POCF 11.27
ASRVP's POCF is ranked lower than
61% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.34 vs. ASRVP: 11.27 )
Ranked among companies with meaningful POCF only.
ASRVP' s 10-Year POCF Range
Min: 2.64   Max: 47.92
Current: 11.27

2.64
47.92
EV-to-EBIT 26.15
ASRVP's EV-to-EBIT is ranked lower than
79% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. ASRVP: 26.15 )
Ranked among companies with meaningful EV-to-EBIT only.
ASRVP' s 10-Year EV-to-EBIT Range
Min: -34.9   Max: 481.5
Current: 26.15

-34.9
481.5
Shiller P/E 34.40
ASRVP's Shiller P/E is ranked lower than
83% of the 1018 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.02 vs. ASRVP: 34.40 )
Ranked among companies with meaningful Shiller P/E only.
ASRVP' s 10-Year Shiller P/E Range
Min: 11.52   Max: 90.67
Current: 34.4

11.52
90.67
Days Sales Outstanding 24.60
ASRVP's Days Sales Outstanding is ranked higher than
72% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. ASRVP: 24.60 )
Ranked among companies with meaningful Days Sales Outstanding only.
ASRVP' s 10-Year Days Sales Outstanding Range
Min: 21.84   Max: 79.59
Current: 24.6

21.84
79.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.68
ASRVP's Dividend Yield is ranked lower than
85% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. ASRVP: 6.68 )
Ranked among companies with meaningful Dividend Yield only.
ASRVP' s 10-Year Dividend Yield Range
Min: 0.32   Max: 1.71
Current: 6.68

0.32
1.71
Yield on cost (5-Year) 6.70
ASRVP's Yield on cost (5-Year) is ranked lower than
85% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. ASRVP: 6.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ASRVP' s 10-Year Yield on cost (5-Year) Range
Min: 0.32   Max: 1.71
Current: 6.7

0.32
1.71
Share Buyback Rate 3.70
ASRVP's Share Buyback Rate is ranked higher than
88% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. ASRVP: 3.70 )
Ranked among companies with meaningful Share Buyback Rate only.
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) 3.40
ASRVP's Earnings Yield (Greenblatt) is ranked lower than
74% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. ASRVP: 3.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
ASRVP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 16.5
Current: 3.4

0.2
16.5
Forward Rate of Return (Yacktman) -4.44
ASRVP's Forward Rate of Return (Yacktman) is ranked lower than
82% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. ASRVP: -4.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
ASRVP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.7   Max: 20.7
Current: -4.44

-0.7
20.7

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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