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AmeriServ FinancialASRV +1.30%55 Equity-to-Asset is 0.08 as of Jun. 2026, which is at its 10-year median of 0.08. 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 1,521 Banks companies, AmeriServ Financial ranks worse than 66.34% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. AmeriServ Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $123.08 Mil. AmeriServ Financial's Total Assets for the quarter that ended in Jun. 2026 was $1,462.14 Mil.
Therefore, AmeriServ Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.08.
The historical rank and industry rank for AmeriServ Financial's Equity-to-Asset or its related term are showing as below:
ASRV'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.09
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of AmeriServ Financial was 0.09. The lowest was 0.07. And the median was 0.08.
ASRV's Equity-to-Asset is ranked worse than 66.34% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs ASRV: 0.08
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
AmeriServ Financial Equity-to-Asset Related Terms
AmeriServ Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, AmeriServ Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
AmeriServ Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AmeriServ Financial and its competitors. This is near median its historical median of 0.08. Over the past decade, AmeriServ Financial's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, AmeriServ Financial ranks #1009 out of 1521 companies in the Banks industry, placing it in the top 66.3%.
Is AmeriServ Financial's Equity-to-Asset too high?
AmeriServ Financial's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. AmeriServ Financial's value of 0.08 is 20% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1009 out of 1521 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 Equity-to-Asset compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1009 out of 1521 companies for Equity-to-Asset. This places AmeriServ Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.10. AmeriServ Financial's value of 0.08 is 20% below this benchmark. Historically, AmeriServ Financial's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Equity-to-Asset of 0.08 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. 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 Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Equity-to-Asset is 0.08 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:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 20% below the Banks median (#1009 of 1521)
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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