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AMERISERV FINANCIAL INC (ASRV) Stock Fundamental Analysis

NASDAQ:ASRV - Nasdaq - US03074A1025 - Common Stock - Currency: USD

2.56  -0.03 (-1.16%)

Fundamental Rating

2

Taking everything into account, ASRV scores 2 out of 10 in our fundamental rating. ASRV was compared to 402 industry peers in the Banks industry. ASRV may be in some trouble as it scores bad on both profitability and health. ASRV does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

ASRV had positive earnings in the past year.
In the past year ASRV had a positive cash flow from operations.
ASRV had positive earnings in 4 of the past 5 years.
In multiple years ASRV reported negative operating cash flow during the last 5 years.
ASRV Yearly Net Income VS EBIT VS OCF VS FCFASRV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M 8M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.19%, ASRV is doing worse than 92.57% of the companies in the same industry.
ASRV has a Return On Equity of -2.41%. This is amonst the worse of the industry: ASRV underperforms 92.82% of its industry peers.
Industry RankSector Rank
ROA -0.19%
ROE -2.41%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ASRV Yearly ROA, ROE, ROICASRV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6

1.3 Margins

In the last couple of years the Profit Margin of ASRV has declined.
The Profit Margin and Operating Margin and Gross Margin are not available for ASRV so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.77%
PM growth 5Y-11.11%
GM growth 3YN/A
GM growth 5YN/A
ASRV Yearly Profit, Operating, Gross MarginsASRV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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1

2. Health

2.1 Basic Checks

ASRV does not have a ROIC to compare to the WACC, probably because it is not profitable.
ASRV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ASRV Yearly Shares OutstandingASRV Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
ASRV Yearly Total Debt VS Total AssetsASRV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

A Debt/Equity ratio of 0.38 indicates that ASRV is not too dependend on debt financing.
ASRV has a worse Debt to Equity ratio (0.38) than 71.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.76%
ASRV Yearly LT Debt VS Equity VS FCFASRV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASRV Yearly Current Assets VS Current LiabilitesASRV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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2

3. Growth

3.1 Past

ASRV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 212.65%, which is quite impressive.
Measured over the past years, ASRV shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.35% on average per year.
The Revenue has been growing slightly by 3.07% in the past year.
The Revenue has been growing slightly by 1.47% on average over the past years.
EPS 1Y (TTM)212.65%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%117.34%
Revenue 1Y (TTM)3.07%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%23.28%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
ASRV Yearly Revenue VS EstimatesASRV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
ASRV Yearly EPS VS EstimatesASRV Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -0.05 -0.1 -0.15

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1

4. Valuation

4.1 Price/Earnings Ratio

ASRV is valuated correctly with a Price/Earnings ratio of 12.19.
Compared to the rest of the industry, the Price/Earnings ratio of ASRV is on the same level as its industry peers.
When comparing the Price/Earnings ratio of ASRV to the average of the S&P500 Index (29.35), we can say ASRV is valued rather cheaply.
Industry RankSector Rank
PE 12.19
Fwd PE N/A
ASRV Price Earnings VS Forward Price EarningsASRV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ASRV Per share dataASRV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

ASRV has a Yearly Dividend Yield of 4.63%, which is a nice return.
Compared to an average industry Dividend Yield of 3.37, ASRV pays a better dividend. On top of this ASRV pays more dividend than 84.41% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, ASRV pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.63%

5.2 History

On average, the dividend of ASRV grows each year by 9.72%, which is quite nice.
ASRV has paid a dividend for at least 10 years, which is a reliable track record.
ASRV has decreased its dividend in the last 3 years.
Dividend Growth(5Y)9.72%
Div Incr Years1
Div Non Decr Years2
ASRV Yearly Dividends per shareASRV Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1

5.3 Sustainability

ASRV has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-78.27%
EPS Next 2YN/A
EPS Next 3YN/A
ASRV Yearly Income VS Free CF VS DividendASRV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M 8M

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AMERISERV FINANCIAL INC

NASDAQ:ASRV (3/7/2025, 8:05:53 PM)

2.56

-0.03 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28
Earnings (Next)04-14 2025-04-14
Inst Owners40.57%
Inst Owner Change15.69%
Ins Owners8.36%
Ins Owner Change0.28%
Market Cap42.29M
Analysts0
Price TargetN/A
Short Float %0.07%
Short Ratio0.85
Dividend
Industry RankSector Rank
Dividend Yield 4.63%
Yearly Dividend0.12
Dividend Growth(5Y)9.72%
DP-78.27%
Div Incr Years1
Div Non Decr Years2
Ex-Date02-03 2025-02-03 (0.03)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.19
Fwd PE N/A
P/S 0.82
P/FCF N/A
P/OCF 99.98
P/B 0.39
P/tB 0.45
EV/EBITDA N/A
EPS(TTM)0.21
EY8.2%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)0.03
OCFY1%
SpS3.11
BVpS6.55
TBVpS5.72
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.19%
ROE -2.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.77%
PM growth 5Y-11.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 113.78%
Cap/Sales 4.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.76%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)212.65%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%117.34%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.07%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%23.28%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-126.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-95.05%
OCF growth 3YN/A
OCF growth 5YN/A