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AmeriServ FinancialASRV +1.30%55 Net Margin % is 17.22% as of Jun. 2026, which is 89% above its 10-year median of 9.10. 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 1,522 Banks companies, AmeriServ Financial ranks worse than 83.77% on this metric.
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
AmeriServ Financial Net Margin % Historical Data
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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.
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 Net Margin % vs 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.
* 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 Net Margin % of 17.22% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on AmeriServ Financial and its competitors. This is 89% above median its historical median of 9.10. According to the industry distribution chart, AmeriServ Financial ranks #1275 out of 1522 companies in the Banks industry, placing it in the top 83.8%.
Is AmeriServ Financial's Net Margin % too high?
AmeriServ Financial's current Net Margin % of 17.22% is 89% above median its 10-year median of 9.10. The Banks industry median Net Margin % is 27.32. AmeriServ Financial's value of 17.22% is 37% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1275 out of 1522 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 Net Margin % compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1275 out of 1522 companies for Net Margin %. This places AmeriServ Financial in the lower half of its industry. The industry median Net Margin % is 27.32. AmeriServ Financial's value of 17.22% is 37% below this benchmark. While the company's 10-year median is 9.10 vs. the industry median of 27.32, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.32, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Net Margin % of 17.22% is 37% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median Net Margin % is 27.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Net Margin % is 17.22%, which is 89% above median its own 10-year median of 9.10. 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 Net Margin % is 17.22%, which is 89% above median its 10-year median of 9.10 and 37% below the Banks industry median of 27.32. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Net Margin % is 17.22% 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:
Net Margin %: 17.22% (89% above median its 10-year median of 9.10)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 37% below the Banks median (#1275 of 1522)
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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