ASRV Ameriserv Financial Inc

Price (delayed)

$2.37

Market cap

$40.64M

P/E Ratio

N/A

Dividend/share

$0.12

EPS

-$0.18

Enterprise value

$115.26M

AmeriServ Financial, Inc. is the parent of AmeriServ Financial Bank and AmeriServ Trust and Financial Services Company in Johnstown, PA. The Company's subsidiaries provide full-service banking and wealth management services ...

Highlights
ASRV's debt is down by 20% QoQ and by 7% YoY
ASRV's EPS has dropped by 146% year-on-year but it is up by 10% since the previous quarter
ASRV's net income has shrunk by 145% YoY but it is up by 12% QoQ
ASRV's revenue is down by 20% year-on-year
The gross profit has declined by 20% year-on-year

Key stats

What are the main financial stats of ASRV
Market
Shares outstanding
17.15M
Market cap
$40.64M
Enterprise value
$115.26M
Valuations
Price to earnings (P/E)
N/A
Price to book (P/B)
0.39
Price to sales (P/S)
0.9
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
2.54
Earnings
Revenue
$45.38M
EBIT
-$3.89M
EBITDA
-$1.86M
Free cash flow
$703,000
Per share
EPS
-$0.18
Free cash flow per share
$0.04
Book value per share
$6.06
Revenue per share
$2.65
TBVPS
$79.94
Balance sheet
Total assets
$1.38B
Total liabilities
$1.28B
Debt
$92.07M
Equity
$103.93M
Working capital
N/A
Liquidity
Debt to equity
0.89
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-40.14
Margins
EBITDA margin
-4.1%
Gross margin
100%
Net margin
-6.5%
Operating margin
-8.6%
Efficiency
Return on assets
-0.2%
Return on equity
-2.9%
Return on invested capital
-0.3%
Return on capital employed
N/A
Return on sales
-8.6%
Dividend
Dividend yield
5.06%
DPS
$0.12
Payout ratio
N/A

ASRV stock price

How has the Ameriserv Financial stock price performed over time
Intraday
2.6%
1 week
-1.66%
1 month
-0.84%
1 year
-8.85%
YTD
-26.74%
QTD
4.87%

Financial performance

How have Ameriserv Financial's revenue and profit performed over time
Revenue
$45.38M
Gross profit
$45.38M
Operating income
-$3.89M
Net income
-$2.96M
Gross margin
100%
Net margin
-6.5%
The company's operating margin has shrunk by 160% YoY but it rose by 12% QoQ
ASRV's net margin has shrunk by 156% YoY but it is up by 12% QoQ
Ameriserv Financial's operating income has shrunk by 148% YoY but it has increased by 11% QoQ
ASRV's net income has shrunk by 145% YoY but it is up by 12% QoQ

Growth

What is Ameriserv Financial's growth rate over time

Valuation

What is Ameriserv Financial stock price valuation
P/E
N/A
P/B
0.39
P/S
0.9
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
2.54
ASRV's EPS has dropped by 146% year-on-year but it is up by 10% since the previous quarter
The price to book (P/B) is 35% lower than the 5-year quarterly average of 0.6 and 22% lower than the last 4 quarters average of 0.5
ASRV's revenue is down by 20% year-on-year
ASRV's price to sales (P/S) is 18% lower than its 5-year quarterly average of 1.1 and 10% lower than its last 4 quarters average of 1.0

Efficiency

How efficient is Ameriserv Financial business performance
ASRV's return on sales has dropped by 160% year-on-year but it is up by 12% since the previous quarter
ASRV's return on invested capital has dropped by 150% year-on-year
Ameriserv Financial's ROE has plunged by 147% YoY but it has increased by 9% from the previous quarter
The company's return on assets has shrunk by 140% YoY

Dividends

What is ASRV's dividend history
DPS
$0.12
Dividend yield
5.06%
Payout ratio
N/A
Recent dividends

Financial health

How did Ameriserv Financial financials performed over time
Ameriserv Financial's total assets is 8% more than its total liabilities
The company's total liabilities rose by 3.3% YoY
Ameriserv Financial's total assets has increased by 2.9% YoY
ASRV's debt is 11% lower than its equity
The company's debt to equity fell by 21% QoQ and by 5% YoY
ASRV's debt is down by 20% QoQ and by 7% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.