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AmeriServ FinancialASRV +1.30%55 3-Year Book Growth Rate is 5.20% as of Jun. 2026, which is 121% above its 10-year median of 2.35. GuruFocus rates ASRV with a GF Score™ of 55/100 and a GF Value™ of $3.30 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,491 Banks companies, AmeriServ Financial ranks worse than 72.57% on this metric.
During the past 12 months, AmeriServ Financial's average Book Value per Share Growth Rate was 8.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 5.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 1.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 3.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of AmeriServ Financial was 9.60% per year. The lowest was -18.50% per year. And the median was 2.35% per year.
AmeriServ Financial (NAS:ASRV) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
AmeriServ Financial 3-Year Book Growth Rate Related Terms
ASRV vs PBKX, FBSI, CYFL: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, AmeriServ Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AmeriServ Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's 3-Year Book Growth Rate falls into.
AmeriServ Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 5.20% mean?
AmeriServ Financial (ASRV) has a 3-Year Book Growth Rate of 5.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for AmeriServ Financial and its competitors. This is 121% above median its historical median of 2.35. According to the industry distribution chart, AmeriServ Financial ranks #1082 out of 1491 companies in the Banks industry, placing it in the top 72.6%.
Is AmeriServ Financial's 3-Year Book Growth Rate too high?
AmeriServ Financial's current 3-Year Book Growth Rate of 5.20% is 121% above median its 10-year median of 2.35. The Banks industry median 3-Year Book Growth Rate is 8.80. AmeriServ Financial's value of 5.20% is 40.9% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1082 out of 1491 companies in the Banks industry, which is below the industry midpoint. Overall, AmeriServ Financial has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AmeriServ Financial's 3-Year Book Growth Rate compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1082 out of 1491 companies for 3-Year Book Growth Rate. This places AmeriServ Financial in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. AmeriServ Financial's value of 5.20% is 40.9% below this benchmark. While the company's 10-year median is 2.35 vs. the industry median of 8.80, AmeriServ Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current 3-Year Book Growth Rate of 5.20% is 40.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for AmeriServ Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current 3-Year Book Growth Rate is 5.20%, which is 121% above median its own 10-year median of 2.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AmeriServ Financial stock overvalued right now?
Based on GuruFocus' analysis, AmeriServ Financial (ASRV) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.30, compared to a current price of $5.04 — trading 52.7% above its estimated fair value. The current 3-Year Book Growth Rate is 5.20%, which is 121% above median its 10-year median of 2.35 and 40.9% below the Banks industry median of 8.80. AmeriServ Financial's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current 3-Year Book Growth Rate is 5.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AmeriServ Financial (ASRV) Overvalued in 2026?
Based on GuruFocus' analysis, AmeriServ Financial stock appears to be overvalued.
The current stock price of $5.04 is trading 52.7% above its estimated GF Value™ of $3.30.
GuruFocus considers AmeriServ Financial to be Significantly Overvalued.
Key valuation signals for ASRV:
3-Year Book Growth Rate: 5.20% (121% above median its 10-year median of 2.35)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 40.9% below the Banks median (#1082 of 1491)
No single metric tells the full story. See the ASRV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 and it generates maximum revenue. The community banking segment includes both retail and commercial banking activities. The company also offers retail banking which 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.
55GF Score
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