AmeriServ FinancialASRV +2.11%63 EV-to-FCF is 48.79 as of Jul. 04, 2026, which is 93% above its 10-year median of 25.22. GuruFocus rates ASRV with a GF Score™ of 63/100 and a GF Value™ of $3.23 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,193 Banks companies, AmeriServ Financial ranks worse than 93.21% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, AmeriServ Financial's Enterprise Value is $124.12 Mil.
AmeriServ Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $2.54 Mil. Therefore, AmeriServ Financial's EV-to-FCF for today is 48.79.
The historical rank and industry rank for AmeriServ Financial's EV-to-FCF or its related term are showing as below:
ASRV'
s EV-to-FCF Range Over the Past 10 Years
Min: -482.16 Med: 25.22 Max: 1189.82
Current: 48.79
During the past 13 years, the highest EV-to-FCF of AmeriServ Financial was 1189.82. The lowest was -482.16. And the median was 25.22.
ASRV's EV-to-FCF is ranked worse than 93.21% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs ASRV: 48.79
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
AmeriServ Financial's PE Ratio (TTM) for today is calculated as:
AmeriServ Financial's share price for today is $3.85.
AmeriServ Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.330.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
AmeriServ Financial EV-to-FCF Related Terms
AmeriServ Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, AmeriServ Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's EV-to-FCF falls into.
AmeriServ Financial's current Enterprise Value is $124.12 Mil.
AmeriServ Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.54 Mil.
* 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 EV-to-FCF of 48.79 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AmeriServ Financial and its competitors. This is 93% above median its historical median of 25.22. According to the industry distribution chart, AmeriServ Financial ranks #1112 out of 1193 companies in the Banks industry, placing it in the top 93.2%.
Is AmeriServ Financial's EV-to-FCF too high?
AmeriServ Financial's current EV-to-FCF of 48.79 is 93% above median its 10-year median of 25.22. The Banks industry median EV-to-FCF is 6.61. AmeriServ Financial's value of 48.79 is 638.1% above this industry median. Based on the distribution chart, AmeriServ Financial ranks #1112 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, AmeriServ Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AmeriServ Financial's EV-to-FCF compare to CBWA and MVLY?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1112 out of 1193 companies for EV-to-FCF. This places AmeriServ Financial in the lower half of its industry. The industry median EV-to-FCF is 6.61. AmeriServ Financial's value of 48.79 is 638.1% above this benchmark. While the company's 10-year median is 25.22 vs. the industry median of 6.61, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current EV-to-FCF of 48.79 is 638.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current EV-to-FCF is 48.79, which is 93% above median its own 10-year median of 25.22. 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 Modestly Overvalued. The stock's GF Value™ is $3.23, compared to a current price of $3.85 — trading 19.2% above its estimated fair value. The current EV-to-FCF is 48.79, which is 93% above median its 10-year median of 25.22 and 638.1% above the Banks industry median of 6.61. AmeriServ Financial's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current EV-to-FCF is 48.79 as of Jul. 04, 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 $3.85 is trading 19.2% above its estimated GF Value™ of $3.23.
GuruFocus considers AmeriServ Financial to be Modestly Overvalued.
Key valuation signals for ASRV:
EV-to-FCF: 48.79 (93% above median its 10-year median of 25.22)
GF Value™: $3.23 vs. price of $3.85 (19.2% above fair value)
Industry Position: 638.1% above the Banks median (#1112 of 1193)
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.
63GF Score
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