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AmeriServ FinancialASRV +1.30%55 Return-on-Tangible-Asset is 0.75% as of Jun. 2026, which is 92% above its 10-year median of 0.39. 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 1,521 Banks companies, AmeriServ Financial ranks worse than 74.1% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. AmeriServ Financial's annualizedNet Income for the quarter that ended in Jun. 2026 was $10.95 Mil. AmeriServ Financial's average total tangible assets for the quarter that ended in Jun. 2026 was $1,453.74 Mil. Therefore, AmeriServ Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.75%.
The historical rank and industry rank for AmeriServ Financial's Return-on-Tangible-Asset or its related term are showing as below:
ASRV'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.25 Med: 0.39 Max: 0.67
Current: 0.59
During the past 13 years, AmeriServ Financial's highest Return-on-Tangible-Asset was 0.67%. The lowest was -0.25%. And the median was 0.39%.
ASRV's Return-on-Tangible-Asset is ranked worse than 74.1% of 1521
companies
in the Banks industry
Industry Median: 1.03
vs ASRV: 0.59
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
AmeriServ Financial Return-on-Tangible-Asset Related Terms
AmeriServ Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's Return-on-Tangible-Asset 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.
ASRV vs PBKX, FBSI, CYFL: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, AmeriServ Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.75% mean?
AmeriServ Financial (ASRV) has a Return-on-Tangible-Asset of 0.75% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AmeriServ Financial and its competitors. This is 92% above median its historical median of 0.39. According to the industry distribution chart, AmeriServ Financial ranks #1127 out of 1521 companies in the Banks industry, placing it in the top 74.1%.
Is AmeriServ Financial's Return-on-Tangible-Asset too high?
AmeriServ Financial's current Return-on-Tangible-Asset of 0.75% is 92% above median its 10-year median of 0.39. The Banks industry median Return-on-Tangible-Asset is 1.03. AmeriServ Financial's value of 0.75% is 27.2% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1127 out of 1521 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 Return-on-Tangible-Asset compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1127 out of 1521 companies for Return-on-Tangible-Asset. This places AmeriServ Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. AmeriServ Financial's value of 0.75% is 27.2% below this benchmark. While the company's 10-year median is 0.39 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Return-on-Tangible-Asset of 0.75% is 27.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Return-on-Tangible-Asset is 0.75%, which is 92% above median its own 10-year median of 0.39. 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 Return-on-Tangible-Asset is 0.75%, which is 92% above median its 10-year median of 0.39 and 27.2% below the Banks industry median of 1.03. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Return-on-Tangible-Asset is 0.75% 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:
Return-on-Tangible-Asset: 0.75% (92% above median its 10-year median of 0.39)
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 27.2% below the Banks median (#1127 of 1521)
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
Get the complete analysis for ASRV
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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