Stock Scorecard
Stock Summary for Ameriserv Financial Inc (ASRV) - $2.97 as of 11/20/2024 6:11:59 PM EST
Total Score
9 out of 30
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for ASRV
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for ASRV
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for ASRV
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for ASRV
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for ASRV (36 out of 90)
| Stock Price Rating (Max of 10) | 3 |
| Historical Stock Price Rating (Max of 10) | 3 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 3 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 0 |
Latest News for for ASRV
Financial Details for ASRV
Company Overview |
|
|---|---|
| Ticker | ASRV |
| Company Name | Ameriserv Financial Inc |
| Country | USA |
| Description | AmeriServ Financial, Inc. is the banking holding company for AmeriServ Financial Bank offering a variety of consumer, mortgage and commercial financial products. The company is headquartered in Johnstown, Pennsylvania. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 9/30/2024 |
| Next Earnings Date | 1/10/2025 |
Stock Price History |
|
| Last Day Price | 2.97 |
| Price 4 Years Ago | 2.73 |
| Last Day Price Updated | 11/20/2024 6:11:59 PM EST |
| Last Day Volume | 6,686 |
| Average Daily Volume | 10,074 |
| 52-Week High | 3.25 |
| 52-Week Low | 2.17 |
| Last Price to 52 Week Low | 36.87% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 18.95 |
| Sector PE | 21.40 |
| 5-Year Average PE | 5.49 |
| Free Cash Flow Ratio | 2.80 |
| Industry Free Cash Flow Ratio | 3.69 |
| Sector Free Cash Flow Ratio | 11.50 |
| Current Ratio Most Recent Quarter | 1.56 |
| Total Cash Per Share | 1.06 |
| Book Value Per Share Most Recent Quarter | 6.55 |
| Price to Book Ratio | 0.44 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.00 |
| Price to Sales Ratio Twelve Trailing Months | 1.06 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.27 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.50 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 16,519,300 |
| Market Capitalization | 49,062,321 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 11/4/2024 |
| Last Dividend Amount | 0.03 |
| Current Dividend Amount | 0.03 |
| Total Years Dividend Increasing | 2 |
| Trailing Annual Dividend Rate | 0.12 |
| Trailing Annual Dividend Yield | 4.04% |
| Forward Annual Dividend Rate | 0.13 |
| Forward Annual Dividend Yield | 4.28% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.07% |
| 5-Year Average Dividend Yield | 2.94% |
| 1-Year Dividend Growth Rate Percentage | 4.35% |
| 3-Year Dividend Growth Rate Percentage | 9.54% |
| 5-Year Dividend Growth Rate Percentage | 6.01% |
| All-Time Dividend Growth Rate Percentage | 3.72% |
| Dividend Payout Ratio | -75.00% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 85.50% |
| Annual Earnings Growth | -144.92% |
| Reported EPS 12 Trailing Months | -0.16 |
| Reported EPS Past Year | 0.16 |
| Reported EPS Prior Year | -0.20 |
| Net Income Twelve Trailing Months | -2,609,000 |
| Net Income Past Year | -3,346,000 |
| Net Income Prior Year | 7,448,000 |
| Quarterly Revenue Growth YOY | 2.10% |
| 5-Year Revenue Growth | -2.22% |
| Operating Margin Twelve Trailing Months | 0.13 |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 17,585,000 |
| Total Cash Past Year | 14,027,000 |
| Total Cash Prior Year | 22,962,000 |
| Net Cash Position Most Recent Quarter | -63,683,000 |
| Net Cash Position Past Year | -57,220,000 |
| Long Term Debt Past Year | 71,247,000 |
| Long Term Debt Prior Year | 46,409,000 |
| Total Debt Most Recent Quarter | 81,268,000 |
| Equity to Debt Ratio Past Year | 0.59 |
| Equity to Debt Ratio Most Recent Quarter | 0.57 |
| Total Stockholder Equity Past Year | 102,277,000 |
| Total Stockholder Equity Prior Year | 106,178,000 |
| Total Stockholder Equity Most Recent Quarter | 108,182,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -1,895,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -0.11 |
| Free Cash Flow Past Year | 4,907,000 |
| Free Cash Flow Prior Year | 3,129,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.06 |
| MACD Signal | 0.04 |
| 20-Day Bollinger Lower Band | 2.23 |
| 20-Day Bollinger Middle Band | 2.64 |
| 20-Day Bollinger Upper Band | 3.05 |
| Beta | 0.72 |
| RSI | 56.52 |
| 50-Day SMA | 3.06 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 3.16 |
System |
|
| Modified | 11/20/2024 6:12:46 PM EST |