ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is AmeriServ Financial, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.19% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at USD 10.39 MM
- OPERATING CASH FLOW(Y) Highest at USD 7.88 MM
- NET PROFIT(9M) Higher at USD 2.51 MM
3
With ROA of 0.22%, it has a attractive valuation with a 0.71 Price to Book Value
- Over the past year, while the stock has generated a return of 20.16%, its profits have risen by 222% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to AmeriServ Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is AmeriServ Financial, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
AmeriServ Financial, Inc.
-100.0%
1.01
34.00%
S&P 500
13.95%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.99%
EBIT Growth (5y)
-2.21%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
56.00%
Pledged Shares
0
Institutional Holding
42.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
0.71
EV to EBIT
58.34
EV to EBITDA
30.51
EV to Capital Employed
0.80
EV to Sales
1.99
PEG Ratio
0.10
Dividend Yield
264.06%
ROCE (Latest)
1.38%
ROE (Latest)
3.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 10.39 MM
OPERATING CASH FLOW(Y)
Highest at USD 7.88 MM
NET PROFIT(9M)
Higher at USD 2.51 MM
CASH AND EQV(HY)
Highest at USD 39.99 MM
NET SALES(Q)
Highest at USD 17.69 MM
-9What is not working for the Company
PRE-TAX PROFIT(Q)
At USD -0.35 MM has Fallen at -132.01%
NET PROFIT(Q)
At USD -0.28 MM has Fallen at -131.29%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 85.94%
Here's what is working for AmeriServ Financial, Inc.
NII
Highest at USD 10.39 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 7.88 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 17.69 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 39.99 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for AmeriServ Financial, Inc.
Pre-Tax Profit
At USD -0.35 MM has Fallen at -132.01%
over average net sales of the previous four periods of USD 1.1 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -0.28 MM has Fallen at -131.29%
over average net sales of the previous four periods of USD 0.9 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 1.32%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 85.94%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 9.08%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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