AmeriServ Financial ASRV Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 38.3%+24.1pp | 14.3%+20.6pp | -6.4%-19.4pp | 13%+0.6pp | |
| Free cash flow margin | 15%+11.2pp | 3.9%-5.5pp | 9.4%— | —— | |
| Returns | |||||
| Return on equity | 5%+1.5pp | 3.4%+6.6pp | -3.2%-9.9pp | 6.7%+0.3pp | |
| Return on assets | 0.4%+0.1pp | 0.3%+0.5pp | -0.2%-0.8pp | 0.6%0.0pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0×-0.1× | 0.2×-0.3× | 0.4×-0.4× | 0.9×+0.8× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0.1×+0.1× | |
| Per Share | |||||
| Book value per share | $7.22+13.1% | $6.38+7.0% | $5.97-3.7% | $6.19-9.1% | |
| Valuation | |||||
| Market capitalization | $65.82M+34.2% | $44.27M-20.2% | $55.47M-17.7% | $67.43M+2.3% | |
| Enterprise value | $15.55M-49.6% | $45.43M-47.0% | $85.75M-37.1% | $136.43M+380% | |
| Price / earnings | 12×-1.3× | 12.3×— | —— | 9.1×-0.3× | |
| Price / sales | 4.5×+1.1× | 1.8×+0.7× | 1.1×-0.1× | 1.2×0.0× | |
| Price / book | 0.5×+0.1× | 0.4×-0.1× | 0.5×-0.1× | 0.6×+0.1× | |
| EV / sales | 1.1×-1.0× | 1.8×+0.2× | 1.6×-0.7× | 2.4×+1.9× | |
| Free cash flow yield | 2.5%-3.9pp | 2.2%-6.6pp | 8.8%— | —— | |
| Earnings yield | 8.4%+0.8pp | 8.1%+14.2pp | -6%-17.1pp | 11%+0.3pp | |
| Dividend yield | 3%-1.0pp | 4.6%+0.9pp | 3.7%+0.8pp | 2.9%+0.3pp | |
| PEG ratio | 0.2×— | —— | —— | 1.7×+1.5× |
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.
