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AMERISERV FINANCIAL INC /PA/

Datakwaliteit: 100%
ASRV
Nasdaq Financial Services Depository Institutions
€ 3,75
▲ € 0,02 (0,54%)
Marktkapitalisatie: 63,62 M
Prijs
€ 3,75
Marktkapitalisatie
63,62 M
Dagbereik
€ 3,66 — € 3,80
52-Weeksbereik
€ 2,07 — € 3,93
Volume
6.255
Openen € 3,80
50D / 200D Gem.
€ 3,64
2,96% above
50D / 200D Gem.
€ 3,20
17,35% above

Quick Summary

Belangrijkste Punten

Revenue declined -0,56% annually over 5 years
Earnings grew 55,85% over the past year
ROE of 4,98% is below average
Net margin of 38,35% shows strong profitability
Debt/Equity of 0,13 — conservative balance sheet
Generating 3,19 M in free cash flow

Groei

Revenue Growth (5Y)
-0,56%
Onder sectorgemiddelde (5,83%)
Revenue (1Y)-6,32%
Earnings (1Y)55,85%
FCF Growth (3Y)-28,81%

Kwaliteit

Return on Equity
4,98%
Onder sectorgemiddelde (9,24%)
ROICN/A
Net Margin38,35%
Op. MarginN/A

Veiligheid

Debt / Equity
0,13
Onder sectorgemiddelde (0,49)
Current RatioN/A
Interest CoverageN/A

Waardering

PE (TTM)
11,34
Boven sectorgemiddelde (11,15)
P/B Ratio0,56
EV/EBITDAN/A
Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (2144 peers)
Metriek Aandeel Sector Mediaan
P/E 11,3 11,1
P/B 0,6 1,2
ROE % 5,0 9,2
Net Margin % 38,4 9,4
Rev Growth 5Y % -0,6 5,8
D/E 0,1 0,5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0,02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) -6,32% Revenue Growth (3Y) 0,49%
Earnings Growth (1Y) 55,85% Earnings Growth (3Y) N/A
Revenue Growth (5Y) -0,56% Earnings Growth (5Y) -5,62%
Profitability
Revenue (TTM) 14,63 M Net Income (TTM) 5,61 M
ROE 4,98% ROA 0,39%
Gross Margin N/A Operating Margin N/A
Net Margin 38,35% Free Cash Flow (TTM) 3,19 M
ROIC N/A FCF Growth (3Y) -28,81%
Safety
Debt / Equity 0,13 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0,01
Working Capital N/A Tangible Book Value 100,90 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 11,34 Forward P/E N/A
P/B Ratio 0,56 P/S Ratio 4,35
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 5,01%
Market Cap 63,62 M Enterprise Value 78,26 M
Per Share
EPS (Diluted TTM) 0,34 Revenue / Share 0,86
FCF / Share 0,19 OCF / Share 0,19
EPS CAGR (1Y) 61,90% EPS CAGR (5Y) -4,57%
EPS CAGR (10Y) 12,27%
Efficiency
CapEx / Revenue N/A FCF Conversion 56,79%
SBC-Adj. FCF 3,18 M Growth Momentum -5,76

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 14,63 M 15,62 M 14,49 M 14,74 M 14,97 M
Net Income 5,61 M 3,60 M -3,35 M 7,45 M 7,07 M
EPS (Diluted) 0,34 0,21 -0,20 0,43 0,41
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1,70 M 1,70 M 1,70 M 1,70 M 1,70 M
Interest Expense 29,09 M 30,46 M 24,84 M 8,50 M 7,59 M
Income Tax 1,18 M 798.000,0 -1,04 M 1,75 M 1,70 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1,45 B 1,42 B 1,39 B 1,36 B 1,34 B
Total Liabilities 1,33 B 1,32 B 1,29 B 1,26 B 1,22 B
Shareholders' Equity 119,31 M 107,25 M 102,28 M 106,18 M 116,55 M
Total Debt 14,64 M 14,64 M 40,95 M 88,64 M 24,70 M
Cash & Equivalents — — 14,03 M 22,96 M 41,10 M
Current Assets — — — — —
Current Liabilities — — — — —