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AmeriServ Financial, Inc. ASRV

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Price alert · ASRV

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4.91 USD -0.02 -0.41%

At close · Oct 30

4.91 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
4.72 × 2
Ask
4.94 × 2
4.50 Day range 4.94
3.00 52-week range 5.24
YTD
+53.92%
1 year
+56.87%
Open
4.88
Prev close
4.93
Mkt cap
83.37M
Vol
18.78K
Avg vol
18.46K
EPS
0.54
P/E
9.09
Div yield
4.40%
More statistics
Low
4.50
High
4.94
Forward P/E
0.00
Beta
0.72
Short ratio
0.73
Inst. own
39.40%
Dividend
0.12
Ex-div date
Nov 3, 2024
50-d avg
2.82
200-d avg
2.60
1y target
0.00

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Financial health

Altman Z-Score

0.19 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 4
  • P/B 4

Valuation

P/E 9.4×
FY 2016: 30.8×FY 2017: 23.1×FY 2018: 9.4×FY 2019: 12.0×FY 2020: 11.6×FY 2021: 9.4×FY 2022: 9.0×FY 2023: -16.2×FY 2024: 12.8×FY 2025: 9.4×
FY 2016 5y median 9.4× FY 2025
P/S 0.6×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
P/B 0.4×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
P/FCF 25.5×
FY 2016: 13.4×FY 2017: 15.9×FY 2018: 12.4×FY 2019: 35.2×FY 2020: -19.8×FY 2021: 7.6×FY 2022: 21.5×FY 2023: 11.3×FY 2024: 46.1×FY 2025: 25.5×
FY 2016 5y median 21.5× FY 2025
EV/EBITDA 8.7×
FY 2016: 22.9×FY 2017: 15.3×FY 2018: 13.3×FY 2019: 16.0×FY 2020: 17.4×FY 2021: 9.0×FY 2022: 16.2×FY 2023: -67.9×FY 2024: 19.9×FY 2025: 8.7×
FY 2016 5y median 9.0× FY 2025
EV/Sales 0.9×
FY 2016: 2.0×FY 2017: 2.7×FY 2018: 2.4×FY 2019: 2.3×FY 2020: 2.2×FY 2021: 1.5×FY 2022: 2.8×FY 2023: 2.0×FY 2024: 1.5×FY 2025: 0.9×
FY 2016 5y median 1.5× FY 2025
FCF Yield 3.9%
FY 2016: 7.5%FY 2017: 6.3%FY 2018: 8.1%FY 2019: 2.8%FY 2020: -5.1%FY 2021: 13.2%FY 2022: 4.6%FY 2023: 8.8%FY 2024: 2.2%FY 2025: 3.9%
FY 2016 5y median 4.6% FY 2025

Profitability

Gross Margin 62.4%
FY 2016: 79.3%FY 2017: 83.7%FY 2018: 82.1%FY 2019: 76.6%FY 2020: 79.6%FY 2021: 86.5%FY 2022: 87.0%FY 2023: 58.2%FY 2024: 62.9%FY 2025: 62.4%
FY 2016 5y median 62.9% FY 2025
Operating Margin 7.7%
FY 2016: 5.7%FY 2017: 14.7%FY 2018: 15.4%FY 2019: 11.8%FY 2020: 9.2%FY 2021: 13.6%FY 2022: 14.0%FY 2023: -5.7%FY 2024: 5.2%FY 2025: 7.7%
FY 2016 5y median 7.7% FY 2025
Net Margin 6.4%
FY 2016: 4.1%FY 2017: 5.6%FY 2018: 12.7%FY 2019: 9.3%FY 2020: 7.3%FY 2021: 11.0%FY 2022: 11.3%FY 2023: -4.3%FY 2024: 4.3%FY 2025: 6.4%
FY 2016 5y median 6.4% FY 2025
ROE 4.7%
FY 2016: 2.4%FY 2017: 3.5%FY 2018: 7.9%FY 2019: 6.1%FY 2020: 4.4%FY 2021: 6.1%FY 2022: 7.0%FY 2023: -3.3%FY 2024: 3.4%FY 2025: 4.7%
FY 2016 5y median 4.7% FY 2025
ROIC 2.7%
FY 2016: 1.2%FY 2017: 1.5%FY 2018: 3.7%FY 2019: 2.9%FY 2020: 2.0%FY 2021: 3.6%FY 2022: 2.9%FY 2023: -1.4%FY 2024: 1.6%FY 2025: 2.7%
FY 2016 5y median 2.7% FY 2025
ROA 0.4%
FY 2016: 0.2%FY 2017: 0.3%FY 2018: 0.7%FY 2019: 0.5%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.5%FY 2023: -0.2%FY 2024: 0.3%FY 2025: 0.4%
FY 2016 5y median 0.4% FY 2025

Growth (YoY)

Revenue 4.6%
FY 2016: -1.1%FY 2017: 4.4%FY 2018: 3.9%FY 2019: 5.3%FY 2020: -2.1%FY 2021: 2.0%FY 2022: 2.0%FY 2023: 17.5%FY 2024: 9.4%FY 2025: 4.6%
FY 2016 FY 2025
Operating Income 54.5%
FY 2016: -61.5%FY 2017: 170.7%FY 2018: 8.8%FY 2019: -19.5%FY 2020: -23.5%FY 2021: 51.0%FY 2022: 4.9%FY 2023: -147.7%FY 2024: 200.3%FY 2025: 54.5%
FY 2016 FY 2025
EPS (diluted) 61.9%
FY 2016: -61.3%FY 2017: 50.0%FY 2018: 138.9%FY 2019: -18.6%FY 2020: -22.9%FY 2021: 51.9%FY 2022: 4.9%FY 2023: -146.5%FY 2024: 205.0%FY 2025: 61.9%
FY 2016 FY 2025
Free Cash Flow 111.4%
FY 2016: -41.7%FY 2017: -7.6%FY 2018: 21.3%FY 2019: -64.6%FY 2020: -230.4%FY 2021: 422.4%FY 2022: -64.0%FY 2023: 56.8%FY 2024: -80.1%FY 2025: 111.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.6×
FY 2016: 0.8×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 1.1×FY 2021: 0.6×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 2.7×
FY 2016: 8.9×FY 2017: 7.9×FY 2018: 6.7×FY 2019: 8.3×FY 2020: 10.6×FY 2021: 2.9×FY 2022: 10.2×FY 2023: -43.9×FY 2024: 12.9×FY 2025: 2.7×
FY 2016 5y median 2.9× FY 2025
Interest Coverage 0.2×
FY 2016: 0.4×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 1.2×FY 2022: 1.1×FY 2023: -0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 3.8%
FY 2016: 1.4%FY 2017: 1.4%FY 2018: 1.9%FY 2019: 2.3%FY 2020: 3.2%FY 2021: 2.6%FY 2022: 2.9%FY 2023: 3.7%FY 2024: 4.5%FY 2025: 3.8%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 35.3%
FY 2016: 41.6%FY 2017: 33.8%FY 2018: 17.3%FY 2019: 27.2%FY 2020: 37.3%FY 2021: 24.2%FY 2022: 26.4%FY 2023: -61.5%FY 2024: 56.1%FY 2025: 35.3%
FY 2016 5y median 26.4% FY 2025

Annual · latest fiscal year ends 2025-12-31