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.

	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
Returns
Return on equity	5%+1.5pp	3.4%+6.6pp	-3.2%-9.9pp	6.7%+0.3pp
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×
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%
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×
Dividend yield	3%-1.0pp	4.6%+0.9pp	3.7%+0.8pp	2.9%+0.3pp

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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.