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Price (delayed)
$2.73
Market cap
$45.1M
P/E Ratio
N/A
Dividend/share
$0.12
EPS
-$0.16
Enterprise value
$120.36M
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 17% QoQ and by 16% YoY
The equity has grown by 7% year-on-year and by 4.4% since the previous quarter
ASRV's net income has shrunk by 189% YoY but it is up by 17% QoQ
ASRV's EPS has dropped by 189% year-on-year but it is up by 16% since the previous quarter
The gross profit has declined by 15% year-on-year
ASRV's revenue is down by 15% year-on-year
Key stats
What are the main financial stats of ASRV
Market
Valuations
Earnings
Shares outstanding
16.52M
Market cap
$45.1M
Enterprise value
$120.36M
Price to earnings (P/E)
N/A
Price to book (P/B)
0.42
Price to sales (P/S)
0.99
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
2.64
Revenue
$45.54M
Gross profit
$45.54M
Net income
-$2.61M
EBIT
-$3.48M
EBITDA
-$1.47M
Free cash flow
-$1.9M
Per share
Balance sheet
Liquidity
EPS
-$0.16
EPS diluted
-$0.16
Free cash flow per share
-$0.11
Book value per share
$6.55
Revenue per share
$2.76
TBVPS
$84.24
Total assets
$1.41B
Total liabilities
$1.3B
Debt
$97.38M
Equity
$108.18M
Working capital
N/A
Debt to equity
0.9
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-51.37
Margins
Efficiency
Dividend
EBITDA margin
-3.2%
Gross margin
100%
Net margin
-5.7%
Operating margin
-7.6%
Return on assets
-0.2%
Return on equity
-2.5%
Return on invested capital
-0.2%
Return on capital employed
N/A
Return on sales
-7.6%
Dividend yield
4.4%
DPS
$0.12
Payout ratio
N/A
ASRV stock price
How has the Ameriserv Financial stock price performed over time
Intraday
1.11%
1 week
-5.21%
1 month
-8.08%
1 year
-10.2%
YTD
-15.74%
QTD
4.6%
Financial performance
How have Ameriserv Financial's revenue and profit performed over time
Revenue
$45.54M
Gross profit
$45.54M
Operating income
-$3.48M
Net income
-$2.61M
Gross margin
100%
Net margin
-5.7%
Ameriserv Financial's operating income has shrunk by 200% YoY but it has increased by 16% QoQ
ASRV's net income has shrunk by 189% YoY but it is up by 17% QoQ
ASRV's net margin is up by 17% QoQ
The company's operating margin rose by 16% 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
0.42
P/S
0.99
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
2.64
ASRV's EPS has dropped by 189% year-on-year but it is up by 16% since the previous quarter
The price to book (P/B) is 16% lower than the 5-year quarterly average of 0.5 but 5% higher than the last 4 quarters average of 0.4
The equity has grown by 7% year-on-year and by 4.4% since the previous quarter
ASRV's revenue is down by 15% year-on-year
ASRV's price to sales (P/S) is 10% lower than its 5-year quarterly average of 1.1
Efficiency
How efficient is Ameriserv Financial business performance
The company's return on assets has shrunk by 200% YoY
ASRV's return on invested capital has dropped by 200% year-on-year but it is up by 33% since the previous quarter
Ameriserv Financial's ROE has plunged by 189% YoY but it has increased by 19% from the previous quarter
ASRV's return on sales is up by 16% since the previous quarter
Dividends
What is ASRV's dividend history
DPS
$0.12
Dividend yield
4.4%
Payout ratio
N/A
Recent dividends
Special dividends are included in TTM DPS and yield
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 2.9% YoY
Ameriserv Financial's total assets has increased by 3.2% YoY
ASRV's debt is 10% lower than its equity
The company's debt to equity fell by 21% YoY and by 20% QoQ
ASRV's debt is down by 17% QoQ and by 16% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.