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AmeriServ FinancialASRV +1.30%55 FCF Yield % is 1.20 as of Sep. 07, 2026, which is 79% below its 10-year median of 5.72. 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 1,493 Banks companies, AmeriServ Financial ranks worse than 72.67% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
AmeriServ Financial FCF Yield % Related Terms
AmeriServ Financial FCF Yield % Historical Data
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The historical data trend for AmeriServ Financial's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's FCF Yield % 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 FCF Yield % of 1.20 as of Sep. 07, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on AmeriServ Financial and its competitors. This is 79% below median its historical median of 5.72. According to the industry distribution chart, AmeriServ Financial ranks #1085 out of 1493 companies in the Banks industry, placing it in the top 72.7%.
Is AmeriServ Financial's FCF Yield % too high?
AmeriServ Financial's current FCF Yield % of 1.20 is 79% below median its 10-year median of 5.72. The Banks industry median FCF Yield % is 8.15. AmeriServ Financial's value of 1.20 is 85.3% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1085 out of 1493 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 FCF Yield % compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1085 out of 1493 companies for FCF Yield %. This places AmeriServ Financial in the lower half of its industry. The industry median FCF Yield % is 8.15. AmeriServ Financial's value of 1.20 is 85.3% below this benchmark. While the company's 10-year median is 5.72 vs. the industry median of 8.15, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current FCF Yield % of 1.20 is 85.3% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current FCF Yield % is 1.20, which is 79% below median its own 10-year median of 5.72. 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 FCF Yield % is 1.20, which is 79% below median its 10-year median of 5.72 and 85.3% below the Banks industry median of 8.15. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current FCF Yield % is 1.20 as of Sep. 07, 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:
FCF Yield %: 1.20 (79% below median its 10-year median of 5.72)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 85.3% below the Banks median (#1085 of 1493)
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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