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AmeriServ FinancialASRV +1.30%55 PB Ratio is 0.69 as of Sep. 07, 2026, which is 15% above its 10-year median of 0.60. 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 1,508 Banks companies, AmeriServ Financial ranks better than 81.83% on this metric.
AmeriServ Financial Inc stock PB Ratio (=0.69) is close to 5-year high of 0.69.
The historical rank and industry rank for AmeriServ Financial's PB Ratio or its related term are showing as below:
ASRV'
s PB Ratio Range Over the Past 10 Years
Min: 0.32 Med: 0.6 Max: 0.85
Current: 0.69
During the past 13 years, AmeriServ Financial's highest PB Ratio was 0.85. The lowest was 0.32. And the median was 0.60.
ASRV's PB Ratio is ranked better than 81.83% of 1508
companies
in the Banks industry
Industry Median: 1.12
vs ASRV: 0.69
During the past 12 months, AmeriServ Financial's average Book Value Per Share Growth Rate was 8.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of AmeriServ Financial was 9.60% per year. The lowest was -18.50% per year. And the median was 2.35% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
AmeriServ Financial PB Ratio Related Terms
AmeriServ Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
AmeriServ Financial (ASRV) has a PB Ratio of 0.69 as of Sep. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AmeriServ Financial and its competitors. This is 15% above median its historical median of 0.60. Over the past decade, AmeriServ Financial's PB Ratio has ranged from 0.32 to 0.85. According to the industry distribution chart, AmeriServ Financial ranks #274 out of 1508 companies in the Banks industry, placing it in the top 18.2%.
Is AmeriServ Financial's PB Ratio too high?
AmeriServ Financial's current PB Ratio of 0.69 is 15% above median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.85. The Banks industry median PB Ratio is 1.12. AmeriServ Financial's value of 0.69 is 38.4% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #274 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position 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 PB Ratio compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #274 out of 1508 companies for PB Ratio. This places AmeriServ Financial in the top 18% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. AmeriServ Financial's value of 0.69 is 38.4% below this benchmark. Historically, AmeriServ Financial's own PB Ratio has ranged from 0.32 to 0.85 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,508 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current PB Ratio of 0.69 is 38.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current PB Ratio is 0.69, which is 15% above median its own 10-year median of 0.60. 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 PB Ratio is 0.69, which is 15% above median its 10-year median of 0.60 and 38.4% below the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current PB Ratio is 0.69 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:
PB Ratio: 0.69 (15% above median its 10-year median of 0.60)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 38.4% below the Banks median (#274 of 1508)
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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