AmeriServ Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. At this time, AmeriServ Financial's Short and Long Term Debt Total is fairly stable compared to the past year. Total Current Liabilities is likely to climb to about 1.2 B in 2025, whereas Total Assets are likely to drop slightly above 1 B in 2025. Key indicators impacting AmeriServ Financial's financial strength include:
Investors should never underestimate AmeriServ Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor AmeriServ Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in AmeriServ Financial.
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(2.86 Million)
AmeriServ
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Understanding current and past AmeriServ Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of AmeriServ Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in AmeriServ Financial's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in AmeriServ Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of AmeriServ Financial. Check AmeriServ Financial's Beneish M Score to see the likelihood of AmeriServ Financial's management manipulating its earnings.
AmeriServ Financial Stock Summary
AmeriServ Financial competes with 1ST SUMMIT, Potomac Bancshares, Apollo Bancorp, Century Financial, and Farmers Bank. AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania. Ameriserv Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 306 people.
The reason investors look at the income statement is to determine what AmeriServ Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
Comparative valuation techniques use various fundamental indicators to help in determining AmeriServ Financial's current stock value. Our valuation model uses many indicators to compare AmeriServ Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across AmeriServ Financial competition to find correlations between indicators driving AmeriServ Financial's intrinsic value. More Info.
AmeriServ Financial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At this time, AmeriServ Financial's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value AmeriServ Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
AmeriServ Financial Systematic Risk
AmeriServ Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. AmeriServ Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on AmeriServ Financial correlated with the market. If Beta is less than 0 AmeriServ Financial generally moves in the opposite direction as compared to the market. If AmeriServ Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one AmeriServ Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of AmeriServ Financial is generally in the same direction as the market. If Beta > 1 AmeriServ Financial moves generally in the same direction as, but more than the movement of the benchmark.
Steps to analyze company Financials for Investing
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as AmeriServ Financial is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of AmeriServ has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it. In summary, you can determine if AmeriServ Financial's financials are consistent with your investment objective using the following steps:
Review AmeriServ Financial's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
Study the cash flow inflows and outflows to understand AmeriServ Financial's liquidity and solvency.
Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
Compare AmeriServ Financial's financials to those of its peers to see how it stacks up and identify any potential red flags.
Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if AmeriServ Financial's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Today, most investors in AmeriServ Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various AmeriServ Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of AmeriServ Financial growth as a starting point in their analysis.
AmeriServ Financial March 2, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of AmeriServ Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of AmeriServ Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of AmeriServ Financial based on widely used predictive technical indicators. In general, we focus on analyzing AmeriServ Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build AmeriServ Financial's daily price indicators and compare them against related drivers.
When running AmeriServ Financial's price analysis, check to measure AmeriServ Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy AmeriServ Financial is operating at the current time. Most of AmeriServ Financial's value examination focuses on studying past and present price action to predict the probability of AmeriServ Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move AmeriServ Financial's price. Additionally, you may evaluate how the addition of AmeriServ Financial to your portfolios can decrease your overall portfolio volatility.