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ASRV (AmeriServ Financial) Net Margin % : 9.04% (As of Sep. 2024)


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What is AmeriServ Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. AmeriServ Financial's Net Income for the three months ended in Sep. 2024 was $1.18 Mil. AmeriServ Financial's Revenue for the three months ended in Sep. 2024 was $13.09 Mil. Therefore, AmeriServ Financial's net margin for the quarter that ended in Sep. 2024 was 9.04%.

The historical rank and industry rank for AmeriServ Financial's Net Margin % or its related term are showing as below:

ASRV' s Net Margin % Range Over the Past 10 Years
Min: -6.38   Med: 10.29   Max: 15.62
Current: -5.08


ASRV's Net Margin % is ranked worse than
94.72% of 1534 companies
in the Banks industry
Industry Median: 24.43 vs ASRV: -5.08

AmeriServ Financial Net Margin % Historical Data

The historical data trend for AmeriServ Financial's Net Margin % 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.

* Premium members only.

AmeriServ Financial Net Margin % Chart

AmeriServ Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.00 8.73 12.44 13.01 -6.38

AmeriServ Financial Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.96 -46.87 13.90 -2.83 9.04

Competitive Comparison of AmeriServ Financial's Net Margin %

For the Banks - Regional subindustry, AmeriServ Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, AmeriServ Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where AmeriServ Financial's Net Margin % falls into.



AmeriServ Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

AmeriServ Financial's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=-3.346/52.409
=-6.38 %

AmeriServ Financial's Net Margin for the quarter that ended in Sep. 2024 is calculated as

Net Margin=Net Income (Q: Sep. 2024 )/Revenue (Q: Sep. 2024 )
=1.183/13.09
=9.04 %

* 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  (NAS:ASRV) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


AmeriServ Financial Net Margin % Related Terms

Thank you for viewing the detailed overview of AmeriServ Financial's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


AmeriServ Financial Business Description

Traded in Other Exchanges
N/A
Address
Main and Franklin Streets, P.O. Box 430, Johnstown, PA, USA, 15907-0430
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; wealth management and investment/parent. The company generates maximum revenue from the community banking segment. The community banking segment includes both retail and commercial banking activities. Retail banking 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.
Executives
Jeffrey A Stopko officer: Senior Vice President and CFO
Richard W. Bloomingdale director C/O AMERISERV FINANCIAL, INC., 216 FRANKLIN STREET, JOHNSTOWN PA 15901
Kim W Kunkle director
David J. Hickton director C/O AMERISERV FINANCIAL, INC., 216 FRANKLIN STREET, JOHNSTOWN PA 15901
James T Huerth officer: EVP, Commercial Banking 102 S MAIN STREET, CULPEPER VA 22701
Amy Bradley director MAIN & FRANKLIN STREETS, P. O. BOX 430, JOHNSTOWN PA 15907
O Malley Margaret A director
Daniel A. Onorato director MAIN & FRANKLIN STREETS, P.O. BOX 430, JOHNSTOWN PA 15907
Robert L Wise director
Craig G Ford director, officer: Chairman, President & CEO
Thomas C Slater director
Young Gregor T Iv officer: President & CEO of Trust Co. C/O S&T BANCORP INC, P O BOX 190, INDIANA PA 15701
Duke Bruce E Iii director
Michael D Lynch officer: Interim SVP & CFO 216 FRANKLIN STREET, JOHNSTOWN PA 15901
Michael R. Baylor officer: EVP & Regional President 216 FRANKLIN STREET, JOHNSTOWN PA 15901