Stock ASRV AMERISERV FINANCIAL, INC.
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Financials AmeriServ Financial, Inc.

Equities

ASRV

US03074A1025

Banks

Market Closed - Nasdaq
Other stock markets
 04:30:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
2.51 USD -10.04% Intraday chart for AmeriServ Financial, Inc. -8.39% -22.41%
Apr. 22 AmeriServ Financial Enters Cooperation Agreement With SB Value Partners MT
Apr. 22 AmeriServ Financial Reaches Cooperation Agreement with SB Value Partners CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 71.52 71.98 53.39 65.93 67.43 55.47
Enterprise Value (EV) 1 148.4 153.4 139.3 97.67 182.7 157.5
P/E ratio 9.37 x 12.1 x 11.6 x 9.41 x 9.16 x -16.2 x
Yield 1.86% 2.26% 3.19% 2.59% 2.92% 3.71%
Capitalization / Revenue 1.42 x 1.46 x 1.06 x 1.18 x 1.18 x 1.23 x
EV / Revenue 2.95 x 3.1 x 2.77 x 1.75 x 3.19 x 3.5 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.72 x 0.73 x 0.51 x 0.57 x 0.64 x 0.54 x
Nbr of stocks (in thousands) 17,747 17,139 17,059 17,082 17,115 17,147
Reference price 2 4.030 4.200 3.130 3.860 3.940 3.235
Announcement Date 3/5/19 3/2/20 3/10/21 3/14/22 3/27/23 3/27/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 50.32 49.42 50.27 55.74 57.2 44.98
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 9.382 7.6 5.812 8.774 9.201 -4.388
Net income 1 7.768 6.028 4.598 7.072 7.448 -3.346
Net margin 15.44% 12.2% 9.15% 12.69% 13.02% -7.44%
EPS 2 0.4300 0.3473 0.2696 0.4100 0.4300 -0.2000
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.0750 0.0950 0.1000 0.1000 0.1150 0.1200
Announcement Date 3/5/19 3/2/20 3/10/21 3/14/22 3/27/23 3/27/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 76.9 81.4 85.9 31.7 115 102
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 8.05% 6.13% 4.53% 6.4% 6.69% -3.21%
ROA (Net income/ Total Assets) 0.67% 0.52% 0.38% 0.54% 0.55% -0.24%
Assets 1 1,164 1,166 1,225 1,309 1,350 1,377
Book Value Per Share 2 5.560 5.780 6.120 6.820 6.200 5.960
Cash Flow per Share 2 1.780 1.120 1.850 2.410 1.340 0.8200
Capex 1 2.14 2.82 1.33 1.24 2.08 1.38
Capex / Sales 4.26% 5.71% 2.64% 2.23% 3.64% 3.07%
Announcement Date 3/5/19 3/2/20 3/10/21 3/14/22 3/27/23 3/27/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Retail & Mortgage Banks

1st Jan change Capi.
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Retail & Mortgage Banks
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