Ameriserv Financial Stock Debt To Equity

ASRV Stock

USD 2.45 0.04 1.61%

AmeriServ Financial fundamentals help investors to digest information that contributes to AmeriServ Financial's financial success or failures. It also enables traders to predict the movement of AmeriServ Stock. The fundamental analysis module provides a way to measure AmeriServ Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to AmeriServ Financial stock.

		Last Reported	Projected for Next Year
	Debt To Equity	0.18	0.17

Debt To Equity is likely to drop to 0.17 in 2025.

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AmeriServ Financial Company Debt To Equity Analysis

AmeriServ Financial's Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.

D/E

Total Debt

Total Equity

More About Debt To Equity | All Equity Analysis

Current AmeriServ Financial Debt To Equity

8.65 %

Most of AmeriServ Financial's fundamental indicators, such as Debt To Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, AmeriServ Financial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

AmeriServ Debt To Equity Driver Correlations

Understanding the fundamental principles of building solid financial models for AmeriServ Financial is extremely important. It helps to project a fair market value of AmeriServ Stock properly, considering its historical fundamentals such as Debt To Equity. Since AmeriServ Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of AmeriServ Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of AmeriServ Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Net Receivables	Common Stock	Accounts Payable	Long Term Debt	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Good Will	Net Tangible Assets	Capital Surpluse	Long Term Investments	Short Long Term Debt	Long Term Debt Total	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.44	0.62	0.9	1.0	0.25	0.59	-0.28	-0.64	0.89	-0.52	0.36	-0.85	-0.76	0.56	0.62	0.63	0.08	-0.1	0.55	0.59	0.54	-0.37	0.06
Total Stockholder Equity	0.44		0.47	0.35	0.38	-0.13	0.31	-0.69	-0.83	0.45	-0.82	0.19	-0.3	-0.68	0.1	0.68	0.37	0.3	-0.29	0.25	0.29	0.22	-0.25	0.3
Net Debt	0.62	0.47		0.67	0.63	-0.26	0.69	-0.29	-0.67	0.58	-0.58	0.12	-0.65	-0.72	0.15	0.55	0.41	0.38	-0.04	0.55	0.38	0.54	-0.12	0.37
Retained Earnings	0.9	0.35	0.67		0.93	0.33	0.63	-0.05	-0.5	0.95	-0.37	0.19	-0.83	-0.8	0.75	0.7	0.83	0.4	-0.22	0.57	0.74	0.83	-0.47	0.38
Total Liab	1.0	0.38	0.63	0.93		0.26	0.6	-0.22	-0.59	0.9	-0.47	0.32	-0.85	-0.76	0.59	0.61	0.66	0.11	-0.11	0.56	0.61	0.58	-0.38	0.09
Total Current Assets	0.25	-0.13	-0.26	0.33	0.26		0.11	0.24	0.14	0.24	0.08	0.24	-0.44	0.0	0.62	-0.09	0.38	-0.13	0.02	0.12	0.1	0.27	-0.44	-0.13
Short Term Debt	0.59	0.31	0.69	0.63	0.6	0.11		0.07	-0.35	0.52	-0.35	0.24	-0.64	-0.57	0.33	0.37	0.49	0.19	0.11	0.8	0.38	0.47	-0.39	0.18
Net Receivables	-0.28	-0.69	-0.29	-0.05	-0.22	0.24	0.07		0.82	-0.12	0.83	-0.57	0.21	0.25	0.3	-0.22	0.19	0.22	-0.22	0.04	0.25	0.22	-0.07	0.22
Common Stock	-0.64	-0.83	-0.67	-0.5	-0.59	0.14	-0.35	0.82		-0.54	0.94	-0.39	0.57	0.69	-0.01	-0.59	-0.27	-0.11	0.04	-0.26	-0.16	-0.25	0.13	-0.11
Accounts Payable	0.89	0.45	0.58	0.95	0.9	0.24	0.52	-0.12	-0.54		-0.39	0.1	-0.69	-0.82	0.72	0.82	0.86	0.49	-0.34	0.47	0.81	0.79	-0.42	0.47
Long Term Debt	-0.52	-0.82	-0.58	-0.37	-0.47	0.08	-0.35	0.83	0.94	-0.39		-0.43	0.47	0.54	0.12	-0.47	-0.11	0.01	-0.18	-0.3	-0.01	-0.11	0.05	0.02
Short Term Investments	0.36	0.19	0.12	0.19	0.32	0.24	0.24	-0.57	-0.39	0.1	-0.43		-0.45	-0.01	0.05	-0.13	-0.15	-0.52	0.59	0.22	-0.28	-0.2	-0.22	-0.53
Treasury Stock	-0.85	-0.3	-0.65	-0.83	-0.85	-0.44	-0.64	0.21	0.57	-0.69	0.47	-0.45		0.66	-0.54	-0.38	-0.54	0.01	0.01	-0.51	-0.36	-0.56	0.44	0.03
Intangible Assets	-0.76	-0.68	-0.72	-0.8	-0.76	0.0	-0.57	0.25	0.69	-0.82	0.54	-0.01	0.66		-0.49	-0.89	-0.77	-0.49	0.51	-0.42	-0.77	-0.66	0.57	-0.48
Property Plant Equipment	0.56	0.1	0.15	0.75	0.59	0.62	0.33	0.3	-0.01	0.72	0.12	0.05	-0.54	-0.49		0.51	0.82	0.4	-0.43	0.24	0.75	0.74	-0.6	0.39
Good Will	0.62	0.68	0.55	0.7	0.61	-0.09	0.37	-0.22	-0.59	0.82	-0.47	-0.13	-0.38	-0.89	0.51		0.75	0.66	-0.56	0.24	0.85	0.69	-0.4	0.66
Net Tangible Assets	0.63	0.37	0.41	0.83	0.66	0.38	0.49	0.19	-0.27	0.86	-0.11	-0.15	-0.54	-0.77	0.82	0.75		0.69	-0.59	0.47	0.87	0.88	-0.62	0.68
Capital Surpluse	0.08	0.3	0.38	0.4	0.11	-0.13	0.19	0.22	-0.11	0.49	0.01	-0.52	0.01	-0.49	0.4	0.66	0.69		-0.61	0.14	0.65	0.74	-0.16	1.0
Long Term Investments	-0.1	-0.29	-0.04	-0.22	-0.11	0.02	0.11	-0.22	0.04	-0.34	-0.18	0.59	0.01	0.51	-0.43	-0.56	-0.59	-0.61		0.15	-0.63	-0.45	0.34	-0.62
Short Long Term Debt	0.55	0.25	0.55	0.57	0.56	0.12	0.8	0.04	-0.26	0.47	-0.3	0.22	-0.51	-0.42	0.24	0.24	0.47	0.14	0.15		0.3	0.38	-0.3	0.13
Long Term Debt Total	0.59	0.29	0.38	0.74	0.61	0.1	0.38	0.25	-0.16	0.81	-0.01	-0.28	-0.36	-0.77	0.75	0.85	0.87	0.65	-0.63	0.3		0.77	-0.54	0.64
Earning Assets	0.54	0.22	0.54	0.83	0.58	0.27	0.47	0.22	-0.25	0.79	-0.11	-0.2	-0.56	-0.66	0.74	0.69	0.88	0.74	-0.45	0.38	0.77		-0.37	0.73
Net Invested Capital	-0.37	-0.25	-0.12	-0.47	-0.38	-0.44	-0.39	-0.07	0.13	-0.42	0.05	-0.22	0.44	0.57	-0.6	-0.4	-0.62	-0.16	0.34	-0.3	-0.54	-0.37		-0.15
Capital Stock	0.06	0.3	0.37	0.38	0.09	-0.13	0.18	0.22	-0.11	0.47	0.02	-0.53	0.03	-0.48	0.39	0.66	0.68	1.0	-0.62	0.13	0.64	0.73	-0.15

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AmeriServ Debt To Equity Historical Pattern

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 drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's debt to equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of AmeriServ Financial debt to equity as a starting point in their analysis.

AmeriServ Financial Debt To Equity

Timeline

High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.

Competition

Predict AmeriServ Financial

Debt To Equity Over Time

AmeriServ Total Stockholder Equity

Total Stockholder Equity

113.5 Million

At this time, AmeriServ Financial's Total Stockholder Equity is fairly stable compared to the past year.

According to the company disclosure, AmeriServ Financial has a Debt To Equity of 8.65%. This is 73.66% lower than that of the Banks sector and significantly higher than that of the Financials industry. The debt to equity for all United States stocks is 82.24% higher than that of the company.

AmeriServ Debt To Equity Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses AmeriServ Financial's direct or indirect competition against its Debt To Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of AmeriServ Financial could also be used in its relative valuation, which is a method of valuing AmeriServ Financial by comparing valuation metrics of similar companies.

AmeriServ Financial is currently under evaluation in debt to equity category among its peers.

AmeriServ Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, AmeriServ Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to AmeriServ Financial's managers, analysts, and investors.

Environmental

Governance

Social

AmeriServ Fundamentals

	Return On Equity	-0.0249
	Return On Asset	-0.0019
	Profit Margin	(0.06) %
	Operating Margin	0.13 %
	Current Valuation	152.32 M
	Shares Outstanding	16.52 M
	Shares Owned By Insiders	21.01 %
	Shares Owned By Institutions	39.40 %
	Number Of Shares Shorted	9.43 K
	Price To Earning	12.98 X
	Price To Book	0.38 X
	Price To Sales	0.76 X
	Revenue	44.98 M
	Gross Profit	57.2 M
	EBITDA	2.07 M
	Net Income	(3.35 M)
	Cash And Equivalents	34.67 M
	Cash Per Share	2.03 X
	Total Debt	115.56 M
	Debt To Equity	8.65 %
	Book Value Per Share	6.55 X
	Cash Flow From Operations	6.29 M
	Short Ratio	1.19 X
	Earnings Per Share	(0.17) X
	Target Price	5.19
	Number Of Employees	302
	Beta	0.72
	Market Capitalization	49.06 M
	Total Asset	1.39 B
	Retained Earnings	58.9 M
	Annual Yield	0.04 %
	Five Year Return	2.35 %
	Net Asset	1.39 B
	Last Dividend Paid	0.12

About AmeriServ Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze AmeriServ Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of AmeriServ Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of AmeriServ Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for AmeriServ Stock Analysis

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.

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