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AmeriServ FinancialASRV +1.30%55 Cash-to-Debt is 0.27 as of Jun. 2026, which is 34% below its 10-year median of 0.41. 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 1,494 Banks companies, AmeriServ Financial ranks worse than 85.61% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. AmeriServ Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.27.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, AmeriServ Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for AmeriServ Financial's Cash-to-Debt or its related term are showing as below:
ASRV'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12 Med: 0.41 Max: 0.83
Current: 0.27
During the past 13 years, AmeriServ Financial's highest Cash to Debt Ratio was 0.83. The lowest was 0.12. And the median was 0.41.
ASRV's Cash-to-Debt is ranked worse than 85.61% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs ASRV: 0.27
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
AmeriServ Financial Cash-to-Debt Related Terms
AmeriServ Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, AmeriServ Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AmeriServ Financial (ASRV) has a Cash-to-Debt of 0.27 as of Jun. 2026. This is 34% below median its historical median of 0.41. Over the past decade, AmeriServ Financial's Cash-to-Debt has ranged from 0.12 to 0.83. According to the industry distribution chart, AmeriServ Financial ranks #1279 out of 1494 companies in the Banks industry, placing it in the top 85.6%.
Is AmeriServ Financial's Cash-to-Debt too high?
AmeriServ Financial's current Cash-to-Debt of 0.27 is 34% below median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.83. The Banks industry median Cash-to-Debt is 1.38. AmeriServ Financial's value of 0.27 is 80.4% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1279 out of 1494 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Cash-to-Debt compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1279 out of 1494 companies for Cash-to-Debt. This places AmeriServ Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.38. AmeriServ Financial's value of 0.27 is 80.4% below this benchmark. Historically, AmeriServ Financial's own Cash-to-Debt has ranged from 0.12 to 0.83 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 1.38, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Cash-to-Debt of 0.27 is 80.4% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Cash-to-Debt is 0.27, which is 34% below median its own 10-year median of 0.41. 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 Cash-to-Debt is 0.27, which is 34% below median its 10-year median of 0.41 and 80.4% below the Banks industry median of 1.38. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Cash-to-Debt is 0.27 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:
Cash-to-Debt: 0.27 (34% below median its 10-year median of 0.41)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 80.4% below the Banks median (#1279 of 1494)
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
Get the complete analysis for ASRV
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