AmeriServ Financial ASRV Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 37.2%+13.2pp | 38.3%+24.1pp | 34.8%+42.7pp | 25.1%+32.5pp | 24%+29.8pp | |
| Free cash flow margin | 11%-17.6pp | 15%+11.2pp | 34.7%+40.5pp | 21.1%+17.7pp | 28.6%+27.2pp | |
| Returns | ||||||
| Return on equity | 4.8%+1.4pp | 5%+1.5pp | 4.5%+7.0pp | 3.4%+6.5pp | 3.4%+6.2pp | |
| Return on assets | 0.4%+0.1pp | 0.4%+0.1pp | 0.4%+0.5pp | 0.3%+0.5pp | 0.3%+0.5pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0×-0.1× | 0×-0.1× | 0×-0.1× | 0.1×-0.3× | 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+6.3% | $7.22+13.1% | $6.94+5.9% | $6.71+10.3% | $6.70+10.6% | |
| Valuation | ||||||
| Market capitalization | $65.82M+34.2% | $52.71M+19.1% | $47.91M+11.1% | $49.39M+27.5% | $40.14M-10.0% | |
| Enterprise value | $15.55M-49.6% | $5.74M-87.4% | -$1.84M-105% | $31.16M-47.5% | $31.06M-27.9% | |
| Price / earnings | 12×-1.3× | 9.4×-2.9× | 9.5×— | 13.4×— | 11.1×— | |
| Price / sales | 4.5×+1.1× | 3.6×+1.8× | 3.3×+2.0× | 3.3×+2.4× | 2.7×+1.8× | |
| 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×-1.4× | -0.1×-1.3× | 2.1×+0.7× | 2.1×+1.2× | |
| Free cash flow yield | 2.5%-3.9pp | 4.2%+2.0pp | 10.5%+14.9pp | 6.3%+2.6pp | 10.7%+9.1pp | |
| Earnings yield | 8.4%+0.8pp | 10.6%+2.5pp | 10.6%+16.6pp | 7.5%+15.6pp | 9%+15.6pp | |
| Dividend yield | 3%-1.0pp | 3.8%-0.8pp | 4.1%-0.6pp | 4%-1.3pp | 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.
