AmeriServ Financial Inc is a bank holding company. The company and its subsidiaries derive substantially all of their income from banking, bank-related services, and trust-related services. Its operating segment includes community banking; wealth management and investment/parent. The company generates maximum revenue from the community banking segment. The community banking segment includes both retail and commercial banking activities. Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans and small business commercial loans. Commercial banking to businesses includes commercial loans, business services, and CRE loans.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.12
Equity-to-Asset	0.07
Debt-to-Equity	1.13
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.31	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-0.3
	3-Year Book Growth Rate	-0.8

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	72.51
	9-Day RSI	65.11
	14-Day RSI	59.73
	6-1 Month Momentum %	5.06
	12-1 Month Momentum %	-7.85

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.3
	3-Year Dividend Growth Rate	6.3
	Forward Dividend Yield %	4.3
	5-Year Yield-on-Cost %	6.53
	3-Year Average Share Buyback Ratio	-0.2
	Shareholder Yield %	-36.54

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	-6.38
	FCF Margin %	9.36
	ROE %	-3.22
	ROA %	-0.25
	Years of Profitability over Past 10-Year	9

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	Shiller PE Ratio	9.3
	PS Ratio	0.92
	PB Ratio	0.47
	Price-to-Tangible-Book	0.54
	Price-to-Free-Cash-Flow	9.77
	Price-to-Operating-Cash-Flow	7.6
	EV-to-Revenue	2.85
	EV-to-FCF	30.34
	Price-to-Projected-FCF	0.41
	Price-to-DCF (FCF Based)	0.85
	Price-to-Median-PS-Value	0.73
	FCF Yield %	10.26
	Forward Rate of Return (Yacktman) %	8.98

Financials (Next Earnings Date:2024-07-18 Est.)

Annual Quarterly TTM

ASRV's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

AmeriServ Financial Inc Operating Data

Annual Quarterly

ASRV's Complete Operating Data

No operating data available for AmeriServ Financial Inc.

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NAS:ASRV

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

AmeriServ Financial Inc Executives

Details

GF Value: $3.62

ASRV

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 3 Severe warning signs with ASRV. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	52.409
	EPS (TTM) ($)	-0.19
	Beta	0.3
	Volatility %	43.92
	14-Day RSI	59.73
	14-Day ATR ($)	0.147069
	20-Day SMA ($)	2.5045
	12-1 Month Momentum %	-7.85
	52-Week Range ($)	2.25 - 3.4
	Shares Outstanding (Mil)	17.15

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	3
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

AmeriServ Financial Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

AmeriServ Financial Inc Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

AmeriServ Financial Inc Frequently Asked Questions

What is AmeriServ Financial Inc(ASRV)'s stock price today?

The current price of ASRV is $2.79. The 52 week high of ASRV is $3.40 and 52 week low is $2.25.

When is next earnings date of AmeriServ Financial Inc(ASRV)?

The next earnings date of AmeriServ Financial Inc(ASRV) is 2024-07-18 Est..

Does AmeriServ Financial Inc(ASRV) pay dividends? If so, how much?

The Dividend Yield % of AmeriServ Financial Inc(ASRV) is 4.3% (As of Today), Highest Dividend Payout Ratio of AmeriServ Financial Inc(ASRV) was 0.42. The lowest was 0.13. And the median was 0.23. The Forward Dividend Yield % of AmeriServ Financial Inc(ASRV) is 4.3%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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