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ASRV Ameriserv Financial Inc

Price (delayed)

$2.92

Market cap

$48.24M

P/E Ratio

13.27

Dividend/share

$0.12

EPS

$0.22

Enterprise value

$118.63M

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 revenue is up by 17% year-on-year
The gross profit is up by 17% year-on-year
ASRV's debt is down by 8% QoQ but it is up by 2.1% YoY
The stock's price to earnings (P/E) is 24% more than its 5-year quarterly average of 10.7

Key stats

What are the main financial stats of ASRV
Market
Shares outstanding
16.52M
Market cap
$48.24M
Enterprise value
$118.63M
Valuations
Price to earnings (P/E)
13.27
Price to book (P/B)
0.44
Price to sales (P/S)
0.91
EV/EBIT
26.97
EV/EBITDA
18.33
EV/Sales
2.24
Earnings
Revenue
$53.04M
Gross profit
$53.04M
Operating income
$4.4M
Net income
$3.61M
EBIT
$4.4M
EBITDA
$6.47M
Free cash flow
$4.43M
Per share
EPS
$0.22
EPS diluted
$0.22
Free cash flow per share
$0.27
Book value per share
$6.7
Revenue per share
$3.21
TBVPS
$85.83
Balance sheet
Total assets
$1.43B
Total liabilities
$1.32B
Debt
$94.03M
Equity
$110.76M
Working capital
N/A
Liquidity
Debt to equity
0.85
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.88
Margins
EBITDA margin
12.2%
Gross margin
100%
Net margin
6.8%
Operating margin
8.3%
Efficiency
Return on assets
0.3%
Return on equity
3.4%
Return on invested capital
0.3%
Return on capital employed
N/A
Return on sales
8.3%
Dividend
Dividend yield
4.11%
DPS
$0.12
Payout ratio
54.5%

ASRV stock price

How has the Ameriserv Financial stock price performed over time
Intraday
-0.34%
1 week
-0.34%
1 month
16.8%
1 year
25.32%
YTD
8.96%
QTD
20.16%

Financial performance

How have Ameriserv Financial's revenue and profit performed over time
Revenue
$53.04M
Gross profit
$53.04M
Operating income
$4.4M
Net income
$3.61M
Gross margin
100%
Net margin
6.8%

ASRV financials

The company's operating margin has surged by 197% YoY
ASRV's revenue is up by 17% year-on-year
The gross profit is up by 17% year-on-year

Price vs fundamentals

How does ASRV's price correlate with its fundamentals

ASRV Price vs fundamentals

ASRV Earnings waterfall

ASRV Price vs fair value

Growth

What is Ameriserv Financial's growth rate over time

ASRV growth chart

Valuation

What is Ameriserv Financial stock price valuation
P/E
13.27
P/B
0.44
P/S
0.91
EV/EBIT
26.97
EV/EBITDA
18.33
EV/Sales
2.24

Valuation vs average

Price to earnings (P/E)

The stock's price to earnings (P/E) is 24% more than its 5-year quarterly average of 10.7
ASRV's EPS is up by 4.8% since the previous quarter

Price to book (P/B)

The price to book (P/B) is 12% lower than the 5-year quarterly average of 0.5 but 10% higher than the last 4 quarters average of 0.4
The equity has grown by 7% year-on-year and by 3.3% since the previous quarter

Price to sales (P/S)

ASRV's revenue is up by 17% year-on-year
ASRV's price to sales (P/S) is 17% lower than its 5-year quarterly average of 1.1

Efficiency

How efficient is Ameriserv Financial business performance
ASRV's return on invested capital has surged by 200% year-on-year
ASRV's return on sales has surged by 197% year-on-year

Dividends

What is ASRV's dividend history
DPS
$0.12
Dividend yield
4.11%
Payout ratio
54.5%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Ameriserv Financial financials performed over time

Assets vs liabilities

Ameriserv Financial's total assets is 8% more than its total liabilities
Ameriserv Financial's total assets has increased by 3.4% YoY
The company's total liabilities rose by 3.1% YoY

Debt vs equity

ASRV's debt is 15% lower than its equity
The company's debt to equity fell by 11% QoQ and by 4.5% YoY
ASRV's debt is down by 8% QoQ but it is up by 2.1% YoY

Balance sheet

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