ASRV (AmeriServ Financial) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASRV AmeriServ Financial Inc ASRV
55 GF Score
Price $5.04
GF Value $3.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is AmeriServ Financial ROC (Joel Greenblatt) %?

AmeriServ Financial ASRV +1.30% 55 ROC (Joel Greenblatt) % is % as of Jun. 2026. 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 48 Banks companies, AmeriServ Financial ranks worse than 2083331.25% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

ASRV
55GF Score
AmeriServ Financial Inc ASRV
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
AmeriServ Financial (ASRV) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on AmeriServ Financial and its competitors. According to the industry distribution chart, AmeriServ Financial ranks #999999 out of 48 companies in the Banks industry.
Is AmeriServ Financial's ROC (Joel Greenblatt) % too high?
AmeriServ Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, AmeriServ Financial ranks #999999 out of 48 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 ROC (Joel Greenblatt) % compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #999999 out of 48 companies for ROC (Joel Greenblatt) %. This places AmeriServ Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 51.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 51.60, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
  • GF Score™: 55/100 with 5 warning signs

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 Business Description

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 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.04
Price
$3.30
GF Value