Ameriserv Financial Inc

Chart & Performance

D1W1MN

P/E

—

P/S

0.87

EPS

—

Div Yield, %

4.50%

Shrs. gr., 5y

-1.01%

Rev. gr., 5y

1.06%

Revenues

52m

+539.37%

Net income

-3m

CFO

+20.71%

Dividend

Aug 05, 20240.03 USD/sh

Earnings

Jan 10, 2025

Profile

AmeriServ Financial, Inc. 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, and money orders. 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 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.

URL

https://www.ameriserv.com/

IPO date

Jan 30, 1985

Employees

329

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	52,409 539.37%	8,197 -85.58%
Cost of revenue	30,343	29,007
Unusual Expense (Income)
NOPBT	22,066	(20,810)
NOPBT Margin	42.10%
Operating Taxes	(1,042)	1,753
Tax Rate
NOPAT	23,108	(22,563)
Net income	(3,346) -144.92%	7,448 5.32%
Dividends	(2,058)	(1,967)
Dividend yield	3.71%	2.91%
Proceeds from repurchase of equity	43,109	8,081
BB yield	-77.73%	-11.96%
Debt
Debt current	49,325	108,406
Long-term debt	70,016	53,055
Deferred revenue
Other long-term liabilities	1,176,394	1,116,000
Net debt	88,918	(98,755)
Cash flow
Cash from operating activities	6,288	5,209
CAPEX	(1,381)	(2,080)
Cash from investing activities	(39,994)	(56,281)
Cash from financing activities	24,771	32,933
FCF	1,001,178	2,758
Balance
Cash	14,027	18,830
Long term investments	16,396	241,386
Excess cash	27,803	259,806
Stockholders' equity	39,193	43,233
Invested Capital	385,779	1,334,945
ROIC	2.69%
ROCE	5.34%
EV
Common stock shares outstanding	17,144	17,146
Price	3.24 -17.89%	3.94 2.07%
Market cap	55,461 -17.90%	67,555 2.26%
EV	144,379	(31,200)
EBITDA	24,140	(18,714)
EV/EBITDA	5.98	1.67
Interest	24,840	8,495
Interest/NOPBT	112.57%