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AmeriServ FinancialASRV +1.30%55 3-Year EPS without NRI Growth Rate is -14.80% as of Jun. 2026. 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 1,407 Banks companies, AmeriServ Financial ranks worse than 90.41% on this metric.
During the past 12 months, AmeriServ Financial's average EPS without NRI Growth Rate was 131.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -14.80% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of AmeriServ Financial was 196.20% per year. The lowest was -74.90% per year. And the median was 6.30% per year.
AmeriServ Financial (NAS:ASRV) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
AmeriServ Financial 3-Year EPS without NRI Growth Rate Related Terms
ASRV vs PBKX, FBSI, CYFL: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, AmeriServ Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's 3-Year EPS without NRI Growth Rate falls into.
AmeriServ Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -14.80% mean?
AmeriServ Financial (ASRV) has a 3-Year EPS without NRI Growth Rate of -14.80% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for AmeriServ Financial and its competitors. According to the industry distribution chart, AmeriServ Financial ranks #1272 out of 1407 companies in the Banks industry, placing it in the top 90.4%.
Is AmeriServ Financial's 3-Year EPS without NRI Growth Rate too high?
AmeriServ Financial's current 3-Year EPS without NRI Growth Rate is -14.80%. Based on the distribution chart, AmeriServ Financial ranks #1272 out of 1407 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 3-Year EPS without NRI Growth Rate compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1272 out of 1407 companies for 3-Year EPS without NRI Growth Rate. This places AmeriServ Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for AmeriServ Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current 3-Year EPS without NRI Growth Rate is -14.80%. 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 EPS without NRI Growth Rate is -14.80%. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current 3-Year EPS without NRI Growth Rate is -14.80% 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 EPS without NRI Growth Rate: -14.80%
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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