ASRV Ameriserv Financial Inc
Price (delayed)
$2.27
Market cap
$37.5M
P/E Ratio
10.81
Dividend/share
$0.12
EPS
$0.21
Enterprise value
$121.44M
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 18% year-on-year and by 17% since the previous quarter
The gross profit is up by 18% year-on-year and by 17% since the previous quarter
ASRV's debt is down by 12% YoY but it is up by 4.4% QoQ
Key stats
What are the main financial stats of ASRV
Market
Valuations
Earnings
Shares outstanding
16.52M
Market cap
$37.5M
Enterprise value
$121.44M
Price to earnings (P/E)
10.81
Price to book (P/B)
0.35
Price to sales (P/S)
0.72
EV/EBIT
27.61
EV/EBITDA
18.8
EV/Sales
2.29
Revenue
$53.14M
Gross profit
$53.14M
Operating income
$4.4M
Net income
$3.6M
EBIT
$4.4M
EBITDA
$6.46M
Free cash flow
$976,000
Per share
Balance sheet
Liquidity
EPS
$0.21
EPS diluted
$0.21
Free cash flow per share
$0.06
Book value per share
$6.49
Revenue per share
$3.16
TBVPS
$83.84
Total assets
$1.42B
Total liabilities
$1.32B
Debt
$101.69M
Equity
$107.25M
Working capital
N/A
Debt to equity
0.95
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
13
Margins
Efficiency
Dividend
EBITDA margin
12.2%
Gross margin
100%
Net margin
6.8%
Operating margin
8.3%
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 yield
5.29%
DPS
$0.12
Payout ratio
57.1%
ASRV stock price
How has the Ameriserv Financial stock price performed over time
Intraday
-3.4%
1 week
4.61%
1 month
-5.42%
1 year
-17.15%
YTD
-15.3%
QTD
-6.58%
Financial performance
How have Ameriserv Financial's revenue and profit performed over time
Revenue
$53.14M
Gross profit
$53.14M
Operating income
$4.4M
Net income
$3.6M
Gross margin
100%
Net margin
6.8%
ASRV's net margin has soared by 192% YoY
The company's operating margin has surged by 185% YoY
ASRV's revenue is up by 18% year-on-year and by 17% since the previous quarter
The gross profit is up by 18% year-on-year and by 17% since the previous quarter
Growth
What is Ameriserv Financial's growth rate over time
Valuation
What is Ameriserv Financial stock price valuation
P/E
10.81
P/B
0.35
P/S
0.72
EV/EBIT
27.61
EV/EBITDA
18.8
EV/Sales
2.29
The price to book (P/B) is 30% lower than the 5-year quarterly average of 0.5 and 13% lower than the last 4 quarters average of 0.4
The equity has grown by 4.9% year-on-year
ASRV's price to sales (P/S) is 35% lower than its 5-year quarterly average of 1.1 and 20% lower than its last 4 quarters average of 0.9
ASRV's revenue is up by 18% year-on-year and by 17% since the previous quarter
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 185% year-on-year
Dividends
What is ASRV's dividend history
DPS
$0.12
Dividend yield
5.29%
Payout ratio
57.1%
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 2.2% YoY
Ameriserv Financial's total assets has increased by 2.4% YoY
ASRV's debt is 5% lower than its equity
The company's debt to equity fell by 16% YoY but it rose by 6% QoQ
ASRV's debt is down by 12% YoY but it is up by 4.4% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.