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
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is AmeriServ Financial, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
AmeriServ Financial, Inc.
27.76%
1.90
33.12%
S&P 500
22.24%
1.91
13.23%
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 Trend8What is working for the Company
ROCE(HY)
Highest at 0.38%
GROSS NPA (%)
(Q
NET PROFIT(9M)
Higher at USD 5.78 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 0.38%
CREDIT DEPOSIT RATIO(HY)
Lowest at 81.19%
Here's what is working for AmeriServ Financial, Inc.
Non Performing Loans (%)
Lowest at 0.76%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
At USD 5.78 MM has Grown at 45.23%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
Higher at USD 5.78 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
CASA
Highest at 9.97%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for AmeriServ Financial, Inc.
Credit Deposit Ratio
Lowest at 81.19%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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