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AmeriServ Financial Inc. (ASRV)

Stock Price: $3.18 USD 0.09 (2.91%)
Updated November 27, 1:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 54.25M
Revenue (ttm) 49.02M
Net Income (ttm) 4.58M
Shares Out 17.06M
EPS (ttm) 0.27
PE Ratio 11.78
Forward PE n/a
Dividend $0.10
Dividend Yield 3.14%

Stock Quote

Trading Day November 27
Last Price $3.18
Previous Close $3.09
Change ($) 0.09
Change (%) 2.91%
Day's Open 3.09
Day's Range 3.08 - 3.25
Day's Volume 5,488
52-Week Range 2.36 - 4.30

More Stats

Market Cap 54.25M
Enterprise Value 117.72M
Earnings Date (est) n/a
Ex-Dividend Date Oct 30, 2020
Shares Outstanding 17.06M
Float n/a
EPS (basic) 0.26
EPS (diluted) 0.27
FCF / Share -0.13
Dividend $0.10
Dividend Yield 3.14%
Earnings Yield 8.49%
FCF Yield n/a
Payout Ratio 38.50%
Shares Short 144,191
Short Ratio 11.13
Short % of Float n/a
Beta 0.83
PE Ratio 11.78
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 1.11
PB Ratio 0.51
Revenue 49.02M
Operating Income 5.71M
Net Income 4.58M
Free Cash Flow -2.22M
Net Cash -63.48M
Net Cash / Share -3.72
Gross Margin 100.81%
Operating Margin 11.65%
Profit Margin 9.30%
FCF Margin -4.52%
ROA 0.38%
ROE 4.45%
ROIC 0.50%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$3.25*
Low
3.25
Current: $3.18
High
3.25
Target: 3.25
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue49.4250.3249.4144.8249.3847.9949.7147.9249.4341.06
Revenue Growth-1.79%1.85%10.23%-9.23%2.89%-3.45%3.72%-3.05%20.38%-
Gross Profit49.4250.3249.4144.8249.3847.9949.7147.9249.4341.06
Operating Income7.609.458.683.218.344.627.487.289.631.36
Net Income6.037.773.292.316.003.025.195.046.541.28
Shares Outstanding17.3617.9318.5018.9018.8618.7918.9419.6921.1821.22
Earnings Per Share0.350.430.180.120.310.150.260.210.240.01
EPS Growth-18.6%138.89%50%-61.29%106.67%-42.31%23.81%-12.5%2300%-
Dividend Per Share0.100.080.060.050.040.040.03---
Dividend Growth26.67%25%20%25%0%33.33%----
Operating Cash Flow4.897.987.526.599.834.9614.853.2110.792.73
Capital Expenditures-2.82-2.14-2.71-1.38-0.88-1.72-3.00-2.65-1.67-2.76
Free Cash Flow2.075.844.825.218.953.2411.850.579.13-0.03
Cash & Equivalents22.1734.8934.1934.0748.5132.8730.0726.8234.7819.34
Total Debt10110811678.6511793.9779.6441.7534.8527.39
Net Cash / Debt-78.41-73.28-81.51-44.57-68.55-61.09-49.57-14.93-0.07-8.05
Assets1,1711,1611,1681,1541,1481,0891,0561,001979949
Liabilities1,0731,0631,0731,0581,030975943891867842
Book Value98.6197.9895.1095.40119114113110112107
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name AmeriServ Financial Inc.
Country United States
Employees 306
CEO Jeffrey A. Stopko

Stock Information

Ticker Symbol ASRV
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: ASRV

Description

AmeriServ Financial operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, money orders, and traveler's checks. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 16 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 17 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.