AMERISERV FINANCIAL INC (ASRV)
US03074A1025 - Common Stock
Overall ASRV gets a fundamental rating of 1 out of 10. We evaluated ASRV against 412 industry peers in the Banks industry. ASRV may be in some trouble as it scores bad on both profitability and health. ASRV has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year ASRV has reported negative net income.
ASRV had a positive operating cash flow in the past year.
ASRV had positive earnings in 4 of the past 5 years.
Of the past 5 years ASRV 4 years had a positive operating cash flow.
1.2 Ratios
ASRV has a worse Return On Assets (-0.24%) than 94.90% of its industry peers.
ASRV has a Return On Equity of -3.27%. This is amonst the worse of the industry: ASRV underperforms 95.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.24% | ||
| ROE | -3.27% | ||
| ROIC | N/A |
ROA(3y)0.28%
ROA(5y)0.34%
ROE(3y)3.27%
ROE(5y)4.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and 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) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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.
Compared to 1 year ago, ASRV has more shares outstanding
ASRV has less shares outstanding than it did 5 years ago.
ASRV has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ASRV is 14.33, which is on the high side as it means it would take ASRV, 14.33 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ASRV (14.33) is worse than 81.80% of its industry peers.
A Debt/Equity ratio of 0.69 indicates that ASRV is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.69, ASRV is doing worse than 78.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 14.33 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ASRV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -143.25%.
ASRV shows a decrease in Revenue. In the last year, the revenue decreased by -8.46%.
ASRV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.06% yearly.
EPS 1Y (TTM)-143.25%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-381.82%
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y-0.15%
Revenue growth 5Y1.06%
Revenue growth Q2Q-19.08%
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 reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ASRV is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.39 | ||
| 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 4.90%, which is a nice return.
In the last 3 months the price of ASRV has falen by -23.32%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.78, ASRV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, ASRV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
5.2 History
The dividend of ASRV is nicely growing with an annual growth rate of 9.72%!
ASRV has been paying a dividend for at least 10 years, so it has a reliable track record.
ASRV has decreased its dividend recently.
Dividend Growth(5Y)9.72%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
The earnings of ASRV are negative and hence is the payout ratio. ASRV will probably not be able to sustain this dividend level.
DP-61.6%
EPS Next 2YN/A
EPS Next 3YN/A
AMERISERV FINANCIAL INC
NASDAQ:ASRV (5/3/2024, 7:00:01 PM)
2.4
-0.05 (-2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap41.16M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.24% | ||
| ROE | -3.27% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-143.25%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y-0.15%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y