ASRV:NAS (USA)

AmeriServ Financial Inc

$ 4.04 -0.02 (-0.49%)
Volume: 4,801 Avg Vol (1m): 15,120
Market Cap $: 71.13 Mil Enterprise Value $: 144.41 Mil
P/E (TTM): 9.18 P/B: 0.73
Earnings Power Value -4.97
Net Current Asset Value 0
Tangible Book 4.88
Projected FCF 7.96
Median P/S Value 3.39
Graham Number 6.95
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 3/10

Current vs industry vs history
Cash-to-Debt 0.32
Equity-to-Asset 0.08
Debt-to-Equity 1.10
Debt-to-EBITDA 2.18
Beneish M-Score -2.48
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 5.89%

Profitability & Growth : 3/10

Current vs industry vs history
Net Margin % 15.62
ROE % 8.04
ROA % 0.67
3-Year Total Revenue Growth Rate -0.60
3-Year EPS w/o NRI Growth Rate 11.50

» ASRV's 30-Y Financials

Financials (Next Earnings Date: 2019-07-17)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6021
Compare NAS:MGYR OTCBB:FETM NAS:FFBW OTCPK:BVBC NAS:UBOH NAS:PNBK OTCPK:PFBX NAS:EMCF OTCPK:AFCB NAS:HMTA NAS:FUSB NAS:UBCP OTCPK:CBCO OTCPK:FPBK NAS:FBSS NAS:WEBK NAS:BOTJ NAS:CZFC OTCPK:CNAF OTCPK:CFST
Traded in other countries
Address Main & Franklin Streets, P.O. Box 430, Johnstown, PA, USA, 15907-0430
AmeriServ Financial Inc is a bank holding company. The firm owns and operates wholly owned subsidiary entities. The company through its subsidiaries is involved in the business of retail banking services, lending, depository and related financial services, wealth management activities and underwriting reinsurance of credit life and disability insurance. Its products and services portfolio includes checking accounts, cash deposits, personal loans, credit cards, cash management etc. The company has Retail banking, Commercial banking, Trust, and Investment segments. It derives the majority of its revenues from Retail banking segment.

Ratios

Current vs industry vs history
PE Ratio (TTM) 9.18
PE Ratio without NRI 9.18
Price-to-Owner-Earnings 6.56
PB Ratio 0.73
PS Ratio 1.46
Price-to-Free-Cash-Flow 12.47
Price-to-Operating-Cash-Flow 9.08
EV-to-Revenue 2.90
Shiller PE Ratio 24.44

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.98
Dividend Payout Ratio 0.17
3-Year Dividend Growth Rate (Per Share) 23.30
Forward Dividend Yield % 1.97
N/A
Yield-on-Cost (5-Year) % 4.66
3-Year Share Buyback Rate 2.30

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 0.83
Price-to-Projected-FCF 0.51
Price-to-Median-PS-Value 1.20
Price-to-Graham-Number 0.58

More Statistics

Revenue (TTM) (Mil) $ 49.72
EPS (TTM) $ 0.44
Beta 0.53
Volatility % 15.21
52-Week Range $ 3.92 - 4.55
Shares Outstanding (Mil) 17.54

Analyst Estimate

Piotroski F-Score Details