NASDAQ: ASRVAmeriserv Financial Inc Stock
$2.79+0.03 (+1.09%)
Updated Apr 25, 2024
ASRV Price
$2.79
Fair Value Price
-$0.70
Market Cap
$47.84M
52 Week Low
$2.25
52 Week High
$3.40
P/E
-13.95x
P/B
0.47x
P/S
1.23x
PEG
N/A
Dividend Yield
4.3%
Revenue
$44.98M
Earnings
-$3.35M
Gross Margin
100%
Operating Margin
-9.76%
Profit Margin
-7.4%
Debt to Equity
12.59
Operating Cash Flow
$6M
Beta
0.36
Next Earnings
N/A
Ex-Dividend
May 3, 2024
Next Dividend
May 20, 2024
ASRV Overview
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
ASRV ($2.79) is overvalued by 499.12% relative to our estimate of its Fair Value price of -$0.70 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
ASRV ($2.79) is not significantly undervalued (499.12%) relative to our estimate of its Fair Value price of -$0.70 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
ASRV is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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ASRV News
Valuation
ASRV fair value
Fair Value of ASRV stock based on Discounted Cash Flow (DCF)
Price
$2.79
Fair Value
-$0.70
Undervalued by
499.12%
ASRV ($2.79) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ASRV ($2.79) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ASRV is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
ASRV price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-13.95x
Industry
-10.31x
Market
40.97x
ASRV price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.47x
Industry
0.99x
ASRV is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ASRV's financial health
Profit margin
Revenue
$5.3M
Net Income
-$5.3M
Profit Margin
-99.7%
ASRV's Earnings (EBIT) of -$4.39M... subscribe to Premium to read more.
Interest Coverage Financials
ASRV's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.4B
Liabilities
$1.3B
Debt to equity
12.59
ASRV's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ASRV's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$1.1M
Investing
-$33.6M
Financing
$28.4M
ASRV's operating cash flow ($6.29M)... subscribe to Premium to read more.
Debt Coverage Financials
ASRV vs Bank Stocks
Ameriserv Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.