Is AmeriServ Financial Stock a Good Investment?
AmeriServ Financial Investment Advice | ASRV |
- Examine AmeriServ Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research AmeriServ Financial's leadership team and their track record. Good management can help AmeriServ Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact AmeriServ Financial's business and its evolving consumer preferences.
- Compare AmeriServ Financial's performance and market position to its competitors. Analyze how AmeriServ Financial is positioned in terms of product offerings, innovation, and market share.
- Check if AmeriServ Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about AmeriServ Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in AmeriServ Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if AmeriServ Financial is a good investment.
Sell | Buy |
Hold
Market Performance | Very Weak | Details | |
Volatility | Moderately volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Above Average | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine AmeriServ Financial Stock
Researching AmeriServ Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 21.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.38. Some equities with similar Price to Book (P/B) outperform the market in the long run. AmeriServ Financial recorded a loss per share of 0.17. The entity last dividend was issued on the 4th of November 2024. The firm had 3:1 split on the 3rd of August 1998.
To determine if AmeriServ Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding AmeriServ Financial's research are outlined below:
| AmeriServ Financial generated a negative expected return over the last 90 days | |
| AmeriServ Financial has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the previous year's revenue of 44.98 M. Net Loss for the year was (3.35 M) with profit before overhead, payroll, taxes, and interest of 57.2 M. | |
| About 21.0% of the company shares are held by company insiders | |
| On 18th of February 2025 AmeriServ Financial paid $ 0.03 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Acquisition by Kunkle Kim W of 10602 shares of AmeriServ Financial at 2.5937 subject to Rule 16b-3 |
AmeriServ Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in AmeriServ Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to AmeriServ Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 16th of April 2024 Upcoming Quarterly Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View |
Know AmeriServ Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as AmeriServ Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading AmeriServ Financial backward and forwards among themselves. AmeriServ Financial's institutional investor refers to the entity that pools money to purchase AmeriServ Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Empowered Funds, Llc | 2024-12-31 | 96.8 K | Susquehanna International Group, Llp | 2024-12-31 | 85 K | Minerva Advisors Llc | 2024-12-31 | 58.2 K | Angel Oak Capital Advisors, Llc | 2024-12-31 | 53.9 K | Abacus Planning Group Inc | 2024-12-31 | 42.5 K | Northern Trust Corp | 2024-12-31 | 30.7 K | Jpmorgan Chase & Co | 2024-12-31 | 25 K | State Street Corp | 2024-12-31 | 19 K | Modern Wealth Management Llc | 2024-12-31 | 15.8 K | Gendell Jeffrey L | 2024-12-31 | 1.6 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 1.2 M |
AmeriServ Financial's market capitalization trends
The company currently falls under 'Micro-Cap' category with a current market capitalization of 49.06 M.Market Cap |
|
AmeriServ Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Equity | 0.03 | 0.05 |
Determining AmeriServ Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if AmeriServ Financial is a good buy. For example, gross profit margin measures AmeriServ Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of AmeriServ Financial's profitability and make more informed investment decisions.
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.
Evaluate AmeriServ Financial's management efficiency
Return On Tangible Assets is likely to climb to 0 in 2025. Return On Capital Employed is likely to climb to 0.02 in 2025. At this time, AmeriServ Financial's Non Currrent Assets Other are fairly stable compared to the past year. Return On Tangible Assets is likely to climb to 0 in 2025, whereas Non Current Assets Total are likely to drop slightly above 908.1 M in 2025. AmeriServ Financial's management efficiency ratios could be used to measure how well AmeriServ Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 6.86 | 7.12 | |
| Tangible Book Value Per Share | 5.94 | 6.20 | |
| Enterprise Value Over EBITDA | 16.14 | 9.37 | |
| Price Book Value Ratio | 0.62 | 0.73 | |
| Enterprise Value Multiple | 16.14 | 9.37 | |
| Price Fair Value | 0.62 | 0.73 | |
| Enterprise Value | 372.1 M | 342.5 M |
The strategic initiatives led by AmeriServ Financial's management are central to its market success. By analyzing these initiatives, we provide a clear picture of the stock's growth prospects.
Basic technical analysis of AmeriServ Stock
As of the 21st of March, AmeriServ Financial shows the risk adjusted performance of (0.06), and Mean Deviation of 1.61. AmeriServ Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm AmeriServ Financial market risk adjusted performance and treynor ratio to decide if AmeriServ Financial is priced correctly, providing market reflects its regular price of 2.45 per share. Please also double-check AmeriServ Financial jensen alpha, which is currently at (0.12) to validate the company can sustain itself at a future point.AmeriServ Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific AmeriServ Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on AmeriServ Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases AmeriServ Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
AmeriServ Financial's Outstanding Corporate Bonds
AmeriServ Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. AmeriServ Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most AmeriServ bonds can be classified according to their maturity, which is the date when AmeriServ Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| US03073EAR62 Corp BondUS03073EAR62 | View | |
| AMERISOURCEBERGEN P 43 Corp BondUS03073EAQ89 | View | |
| AMERISOURCEBERGEN P 345 Corp BondUS03073EAP07 | View | |
| AMERISOURCEBERGEN P 425 Corp BondUS03073EAN58 | View | |
| AMERISOURCEBERGEN P 325 Corp BondUS03073EAM75 | View | |
| AMERISOURCEBERGEN PORATION Corp BondUS03073EAT29 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View |
Understand AmeriServ Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing AmeriServ Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.26) | |||
| Mean Deviation | 1.61 | |||
| Coefficient Of Variation | (1,334) | |||
| Standard Deviation | 2.08 | |||
| Variance | 4.33 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | 0.0096 | |||
| Treynor Ratio | (0.27) | |||
| Maximum Drawdown | 9.85 | |||
| Value At Risk | (4.30) | |||
| Potential Upside | 2.94 | |||
| Skewness | (0.61) | |||
| Kurtosis | 0.4197 |
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.26) | |||
| Mean Deviation | 1.61 | |||
| Coefficient Of Variation | (1,334) | |||
| Standard Deviation | 2.08 | |||
| Variance | 4.33 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | 0.0096 | |||
| Treynor Ratio | (0.27) | |||
| Maximum Drawdown | 9.85 | |||
| Value At Risk | (4.30) | |||
| Potential Upside | 2.94 | |||
| Skewness | (0.61) | |||
| Kurtosis | 0.4197 |
Consider AmeriServ Financial's intraday indicators
AmeriServ Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of AmeriServ Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
AmeriServ Financial Corporate Filings
10K | 19th of March 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
F4 | 14th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 21st of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F5 | 8th of January 2025 The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners | ViewVerify |
AmeriServ Stock media impact
Far too much social signal, news, headlines, and media speculation about AmeriServ Financial that are available to investors today. That information is available publicly through AmeriServ media outlets and privately through word of mouth or via AmeriServ internal channels. However, regardless of the origin, that massive amount of AmeriServ data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of AmeriServ Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of AmeriServ Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to AmeriServ Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive AmeriServ Financial alpha.
AmeriServ Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards AmeriServ Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
AmeriServ Financial Corporate Management
| Bettina Fochler | Senior Officer | Profile | |
| Laura Fiore | Senior Auditor | Profile | |
| Gary McKeown | Executive Bank | Profile | |
| Charlene Tessari | Senior Applications | Profile | |
| Kathleen Wallace | Senior Manager | Profile | |
| Michele Scanlan | Senior Officer | Profile | |
| Catherine Torok | Senior Officer | Profile |
Already Invested in AmeriServ Financial?
The danger of trading AmeriServ Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of AmeriServ Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than AmeriServ Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile AmeriServ Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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.