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AmeriServ FinancialASRV +1.30%55 Debt-to-Equity is 0.84 as of Jun. 2026, which is 9% above its 10-year median of 0.77. 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 1,414 Banks companies, AmeriServ Financial ranks worse than 61.6% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for AmeriServ Financial's Debt-to-Equity or its related term are showing as below:
ASRV'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.59 Med: 0.77 Max: 1.3
Current: 0.84
During the past 13 years, the highest Debt-to-Equity Ratio of AmeriServ Financial was 1.30. The lowest was 0.59. And the median was 0.77.
ASRV's Debt-to-Equity is ranked worse than 61.6% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs ASRV: 0.84
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
AmeriServ Financial Debt-to-Equity Related Terms
AmeriServ Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's Debt-to-Equity 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.
ASRV vs PBKX, FBSI, CYFL: Debt-to-Equity Comparison
For the Banks - Regional subindustry, AmeriServ Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's Debt-to-Equity 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 Debt-to-Equity of 0.84 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AmeriServ Financial and its competitors. This is near median its historical median of 0.77. Over the past decade, AmeriServ Financial's Debt-to-Equity has ranged from 0.59 to 1.30. According to the industry distribution chart, AmeriServ Financial ranks #871 out of 1414 companies in the Banks industry, placing it in the top 61.6%.
Is AmeriServ Financial's Debt-to-Equity too high?
AmeriServ Financial's current Debt-to-Equity of 0.84 is near median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.30. The Banks industry median Debt-to-Equity is 0.58. AmeriServ Financial's value of 0.84 is 44.8% above this industry median. Based on the distribution chart, AmeriServ Financial ranks #871 out of 1414 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 Debt-to-Equity compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #871 out of 1414 companies for Debt-to-Equity. This places AmeriServ Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. AmeriServ Financial's value of 0.84 is 44.8% above this benchmark. Historically, AmeriServ Financial's own Debt-to-Equity has ranged from 0.59 to 1.30 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 0.58, AmeriServ Financial has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Debt-to-Equity of 0.84 is 44.8% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Debt-to-Equity is 0.84, which is near median its own 10-year median of 0.77. 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 Debt-to-Equity is 0.84, which is near median its 10-year median of 0.77 and 44.8% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Debt-to-Equity is 0.84 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:
Debt-to-Equity: 0.84 (near median its 10-year median of 0.77)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 44.8% above the Banks median (#871 of 1414)
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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