ASRV (AmeriServ Financial) Scaled Net Operating Assets: 0.13 (As of Jun. 2026)

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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 Scaled Net Operating Assets?

AmeriServ Financial ASRV +1.30% 55 Scaled Net Operating Assets is 0.13 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AmeriServ Financial's operating assets for the quarter that ended in Jun. 2026 was $1,426.10 Mil. AmeriServ Financial's operating liabilities for the quarter that ended in Jun. 2026 was $1,236.15 Mil. AmeriServ Financial's Total Assets for the quarter that ended in Mar. 2026 was $1,472.65 Mil. Therefore, AmeriServ Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.13.

ASRV
55GF Score
AmeriServ Financial Inc ASRV
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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AmeriServ Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AmeriServ Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1402.922-1259.192)/1422.362
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1453.813 - 50.891
=1402.922

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1334.501 - 75.309 - 0
=1259.192

AmeriServ Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(1426.1-1236.146)/1472.654
=0.13

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1462.143 - 36.043
=1426.1

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1339.059 - 66.718 - 36.195
=1236.146

* 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.

What does a Scaled Net Operating Assets of 0.13 mean?
AmeriServ Financial (ASRV) has a Scaled Net Operating Assets of 0.13 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AmeriServ Financial and its competitors.
Is AmeriServ Financial's Scaled Net Operating Assets too high?
AmeriServ Financial's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets compare to PBKX and FBSI?
AmeriServ Financial's Scaled Net Operating Assets of 0.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AmeriServ Financial and its competitors. AmeriServ Financial's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Scaled Net Operating Assets is 0.13 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:

  • Scaled Net Operating Assets: 0.13
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.04
Price
$3.30
GF Value