AmeriServ Financial ASRV Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 37.2%-1.1pp | 38.3%+3.6pp | 34.8%+9.7pp | 25.1%+1.1pp | 24%+9.7pp | |
| Free cash flow margin | 11%-4.1pp | 15%-19.6pp | 34.7%+13.5pp | 21.1%-7.5pp | 28.6%+24.7pp | |
| Returns | ||||||
| Return on equity | 4.8%-0.2pp | 5%+0.4pp | 4.5%+1.1pp | 3.4%+0.1pp | 3.4%-0.1pp | |
| Return on assets | 0.4%0.0pp | 0.4%0.0pp | 0.4%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0×0.0× | 0×0.0× | 0×0.0× | 0.1×-0.1× | 0.1×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | ||||||
| Book value per share | $7.13-1.2% | $7.22+4.1% | $6.94+3.3% | $6.71+0.1% | $6.70+5.0% | |
| Valuation | ||||||
| Market capitalization | $65.82M+34.2% | $52.71M+10.0% | $47.91M-3.0% | $49.39M+23.0% | $40.14M-9.3% | |
| Enterprise value | $15.55M-49.6% | $5.74M+412% | -$1.84M-106% | $31.16M+0.3% | $31.06M-31.6% | |
| Price / earnings | 12×-1.3× | 9.4×-0.1× | 9.5×-3.9× | 13.4×+2.2× | 11.1×-1.2× | |
| Price / sales | 4.5×+1.1× | 3.6×+0.3× | 3.3×-0.1× | 3.3×+0.7× | 2.7×+0.9× | |
| Price / book | 0.5×+0.1× | 0.4×0.0× | 0.4×0.0× | 0.4×+0.1× | 0.4×-0.1× | |
| EV / sales | 1.1×-1.0× | 0.4×+0.5× | -0.1×-2.2× | 2.1×0.0× | 2.1×+0.3× | |
| Free cash flow yield | 2.5%-3.9pp | 4.2%-6.3pp | 10.5%+4.2pp | 6.3%-4.4pp | 10.7%+8.5pp | |
| Earnings yield | 8.4%+0.8pp | 10.6%+0.1pp | 10.6%+3.1pp | 7.5%-1.5pp | 9%+0.8pp | |
| Dividend yield | 3%-1.0pp | 3.8%-0.4pp | 4.1%+0.1pp | 4%-1.0pp | 5%+0.4pp | |
| PEG ratio | 0.2×— | 0.2×— | —— | —— | —— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do AmeriServ Financial's ratios come from?
- Every ratio is computed from AmeriServ Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
