Company Analysis AmeriServ Financial, Inc.
1. Summary
Advantages
- Dividends (4.34%) are higher than the sector average (2.75%).
- The stock's return over the last year (16.3%) is higher than the sector average (-43.55%).
- Current debt level 7.15% is below 100% and has decreased over 5 years from 8.59%.
Disadvantages
- Price (3.22 $) is higher than fair price (2.81 $)
- The company's current efficiency (ROE=3.44%) is lower than the sector average (ROE=8.42%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| AmeriServ Financial, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -2.5% | 3.5% | 2.2% |
| 90 days | 3% | 0.7% | 5.8% |
| 1 year | 16.3% | -43.6% | 17.8% |
ASRV vs Sector: AmeriServ Financial, Inc. has outperformed the "Financials" sector by 59.85% over the past year.
ASRV vs Market: AmeriServ Financial, Inc. has underperformed the market marginally by -1.55% over the past year.
Stable price: ASRV is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: ASRV with weekly volatility of 0.3134% over the past year.
3. Summary of the report
5. Fundamental Analysis
5.1. Stock price and price forecast
Above fair price: The current price (3.22 $) is higher than the fair price (2.81 $).
Price is higher than fair: The current price (3.22 $) is 12.7% higher than the fair price.
5.2. P/E
P/E vs Sector: The company's P/E (12.22) is higher than that of the sector as a whole (-227.63).
P/E vs Market: The company's P/E (12.22) is higher than that of the market as a whole (-76.8).
5.2.1 P/E Similar companies
5.3. P/BV
P/BV vs Sector: The company's P/BV (0.4105) is lower than that of the sector as a whole (74.29).
P/BV vs Market: The company's P/BV (0.4105) is lower than that of the market as a whole (51.56).
5.3.1 P/BV Similar companies
5.5. P/S
P/S vs Sector: The company's P/S indicator (0.5211) is lower than that of the sector as a whole (268.14).
P/S vs Market: The company's P/S indicator (0.5211) is lower than that of the market as a whole (136.53).
5.5.1 P/S Similar companies
5.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (19.74) is higher than that of the sector as a whole (-249.66).
EV/Ebitda vs Market: The company's EV/Ebitda (19.74) is higher than that of the market as a whole (-47.59).
6. Profitability
6.1. Profitability and revenue
6.2. Earnings per share - EPS
6.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -4.34% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-4.34%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (1.69%).
6.4. ROE
ROE vs Sector: The company's ROE (3.44%) is lower than that of the sector as a whole (8.42%).
ROE vs Market: The company's ROE (3.44%) is higher than that of the market as a whole (-10.64%).
6.6. ROA
ROA vs Sector: The company's ROA (0.2561%) is lower than that of the sector as a whole (5.58%).
ROA vs Market: The company's ROA (0.2561%) is lower than that of the market as a whole (39.05%).
6.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (6.51%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (8.76%).
8. Dividends
8.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.34% is higher than the average for the sector '2.75%.
8.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.34% has been steadily paid over the past 7 years, DSI=0.86.
Weak dividend growth: The company's dividend yield 4.34% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
8.3. Payout percentage
Dividend Coverage: Current payments from income (56.1%) are at a comfortable level.
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Based on sources: porti.ru
