3.11 USD
+0.02 (+0.65%)
We assign a fundamental rating of 2 out of 10 to ASRV. ASRV was compared to 387 industry peers in the Banks industry. ASRV has a bad profitability rating. Also its financial health evaluation is rather negative. ASRV has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year ASRV was profitable.
ASRV had a positive operating cash flow in the past year.
ASRV had positive earnings in 4 of the past 5 years.
ASRV had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
ASRV has a Return On Assets of 0.26%. This is amonst the worse of the industry: ASRV underperforms 87.08% of its industry peers.
With a Return On Equity value of 3.33%, ASRV is not doing good in the industry: 84.50% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 3.33% | ||
| ROIC | N/A |
ROA(3y)0.19%
ROA(5y)0.29%
ROE(3y)2.37%
ROE(5y)3.52%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ASRV's Profit Margin of 6.65% is on the low side compared to the rest of the industry. ASRV is outperformed by 88.37% of its industry peers.
ASRV's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for ASRV so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 6.65% | ||
| 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
2. Health
2.1 Basic Checks
ASRV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ASRV has been reduced compared to 1 year ago.
Compared to 5 years ago, ASRV has less shares outstanding
The debt/assets ratio for ASRV has been reduced compared to a year ago.
2.2 Solvency
ASRV has a debt to FCF ratio of 10.75. This is a negative value and a sign of low solvency as ASRV would need 10.75 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 10.75, ASRV is doing worse than 77.78% of the companies in the same industry.
ASRV has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
ASRV has a Debt to Equity ratio of 0.29. This is in the lower half of the industry: ASRV underperforms 66.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 10.75 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 304.52% over the past year.
The Earnings Per Share has been decreasing by -9.35% on average over the past years.
Looking at the last year, ASRV shows a quite strong growth in Revenue. The Revenue has grown by 12.76% in the last year.
ASRV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.47% yearly.
EPS 1Y (TTM)304.52%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%115.08%
Revenue 1Y (TTM)12.76%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%17.71%
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.
4. Valuation
4.1 Price/Earnings Ratio
ASRV is valuated reasonably with a Price/Earnings ratio of 10.03.
Based on the Price/Earnings ratio, ASRV is valued a bit cheaper than the industry average as 76.74% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.31, ASRV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.03 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ASRV is valued a bit more expensive than the industry average as 66.93% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
ASRV has a Yearly Dividend Yield of 3.87%.
ASRV's Dividend Yield is a higher than the industry average which is at 3.33.
ASRV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
5.2 History
The dividend of ASRV has a limited annual growth rate of 4.89%.
ASRV has been paying a dividend for at least 10 years, so it has a reliable track record.
ASRV has decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.89%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
53.60% of the earnings are spent on dividend by ASRV. This is a bit on the high side, but may be sustainable.
ASRV's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP53.6%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:ASRV (11/28/2025, 8:13:18 PM)
3.11
+0.02 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.9%
Inst Owner Change-0.37%
Ins Owners6.61%
Ins Owner Change3.61%
Market Cap51.38M
Revenue(TTM)57.94M
Net Income(TTM)3.70M
Analysts0
Price TargetN/A
Short Float %0.63%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
Yearly Dividend0.12
Dividend Growth(5Y)4.89%
DP53.6%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.03 | ||
| Fwd PE | N/A | ||
| P/S | 0.92 | ||
| P/FCF | 17.24 | ||
| P/OCF | 13.98 | ||
| P/B | 0.46 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.31
EY9.97%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.18
FCFY5.8%
OCF(TTM)0.22
OCFY7.15%
SpS3.37
BVpS6.71
TBVpS5.89
PEG (NY)N/A
PEG (5Y)N/A
Graham Number6.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 3.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 6.65% | ||
| GM | N/A | ||
| FCFM | 5.36% |
ROA(3y)0.19%
ROA(5y)0.29%
ROE(3y)2.37%
ROE(5y)3.52%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 10.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 32.88% | ||
| Cap/Sales | 1.25% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 80.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7%
ROIC/WACCN/A
Cap/Depr(3y)82.59%
Cap/Depr(5y)75.01%
Cap/Sales(3y)3.15%
Cap/Sales(5y)2.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)304.52%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%115.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.76%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%17.71%
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-40.16%
FCF growth 3Y-51.77%
FCF growth 5Y-13.96%
OCF growth 1Y-44.75%
OCF growth 3Y-35.34%
OCF growth 5Y-11.29%
AMERISERV FINANCIAL INC / ASRV FAQ
What is the fundamental rating for ASRV stock?
ChartMill assigns a fundamental rating of 2 / 10 to ASRV.
What is the valuation status of AMERISERV FINANCIAL INC (ASRV) stock?
ChartMill assigns a valuation rating of 2 / 10 to AMERISERV FINANCIAL INC (ASRV). This can be considered as Overvalued.
What is the profitability of ASRV stock?
AMERISERV FINANCIAL INC (ASRV) has a profitability rating of 2 / 10.
What is the valuation of AMERISERV FINANCIAL INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMERISERV FINANCIAL INC (ASRV) is 10.03 and the Price/Book (PB) ratio is 0.46.
Is the dividend of AMERISERV FINANCIAL INC sustainable?
The dividend rating of AMERISERV FINANCIAL INC (ASRV) is 5 / 10 and the dividend payout ratio is 53.6%.