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
- Bank has not been able to control its costs efficiently with a high Cost to Income ratio of 83.64%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- ROCE(HY) Highest at 0.59%
- NII(Q) Highest at USD 11.34 MM
- OPERATING PROFIT(Q) Highest at USD 3.4 MM
3
With ROA of 0.22%, it has a attractive valuation with a 0.81 Price to Book Value
- Over the past year, while the stock has generated a return of 58.39%, its profits have risen by 55.8% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 44.07%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.73% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 58.39% in the last 1 year, much higher than market (S&P 500) returns of 16.00%
Real-Time Research ReportHow much should you hold?
- 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?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
AmeriServ Financial, Inc.
64.91%
2.58
37.18%
S&P 500
15.76%
1.22
13.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.76%
EBIT Growth (5y)
0.68%
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
35.35%
Pledged Shares
0
Institutional Holding
40.34%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
0.81
EV to EBIT
23.09
EV to EBITDA
15.96
EV to Capital Employed
0.82
EV to Sales
1.52
PEG Ratio
0.31
Dividend Yield
107.94%
ROCE (Latest)
3.57%
ROE (Latest)
4.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
ROCE(HY)
Highest at 0.59%
NII(Q)
Highest at USD 11.34 MM
OPERATING PROFIT(Q)
Highest at USD 3.4 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.78 %
PRE-TAX PROFIT(Q)
Highest at USD 3.4 MM
NET PROFIT(Q)
Highest at USD 2.74 MM
EPS(Q)
Highest at USD 0.16
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -0.98 MM
ROCE(HY)
Lowest at 0.59%
CASH AND EQV(HY)
Lowest at USD 26.92 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 80.44%
Here's what is working for AmeriServ Financial, Inc.
Pre-Tax Profit
At USD 3.4 MM has Grown at 105.07%
over average net sales of the previous four periods of USD 1.66 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 2.74 MM has Grown at 99.2%
over average net sales of the previous four periods of USD 1.37 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 11.34 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 3.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 18.78 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 3.4 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.74 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.16
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for AmeriServ Financial, Inc.
Operating Cash Flow
Lowest at USD -0.98 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 26.92 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 80.44%
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 (%)
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