ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is AmeriServ Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 2.56%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 6.41 MM
- NET PROFIT(HY) Higher at USD 3.99 MM
- ROCE(HY) Highest at 0.39%
3
With ROA of 0.39%, it has a fair valuation with a 0.82 Price to Book Value
- Over the past year, while the stock has generated a return of 47.11%, its profits have risen by 55.8% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 42.17%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 47.11% in the last 1 year, much higher than market (S&P 500) returns of 13.68%
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
AmeriServ Financial, Inc.
49.17%
1.50
36.07%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.76%
EBIT Growth (5y)
1.16%
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
42.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
0.82
EV to EBIT
19.61
EV to EBITDA
15.08
EV to Capital Employed
0.82
EV to Sales
1.44
PEG Ratio
0.31
Dividend Yield
106.82%
ROCE (Latest)
4.20%
ROE (Latest)
4.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 6.41 MM
NET PROFIT(HY)
Higher at USD 3.99 MM
ROCE(HY)
Highest at 0.39%
GROSS NPA (%)
(Q
-5What is not working for the Company
ROCE(HY)
Lowest at 0.39%
CASH AND EQV(HY)
Lowest at USD 14.67 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 82.76%
Here's what is working for AmeriServ Financial, Inc.
Non Performing Loans (%)
Lowest at 0.82%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
Higher at USD 3.99 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Net Profit
At USD 3.99 MM has Grown at 92.37%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 6.41 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Here's what is not working for AmeriServ Financial, Inc.
Cash and Eqv
Lowest at USD 14.67 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 82.76%
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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