AmeriServ Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from AmeriServ Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by +3% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
+3% / +7%In 3 years sales changed by +3% while total assets changed by +7%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 70% of Financial Services companies in United States.
Tangible Net Worth Ratio
89%Of every $100 of net worth, $89 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 61% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
AmeriServ Financial, Inc. owes $0.92 for every $1 it owns. Net profit rose 56% in the year to Dec 2025, and shrank 9% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
8.8Investors pay $8.8 for every $1 of AmeriServ Financial, Inc.'s yearly profit, lower than 84% of Financial Services companies in United States.
P/B ratio
0.66The share price is 0.66 times AmeriServ Financial, Inc.'s book value per share, lower than 92% of Financial Services companies in United States.
Market cap
$81 MThe total market value of all of AmeriServ Financial, Inc.'s shares at today's price (share price × number of shares), smaller than 93% of Financial Services companies in United States. PosiCap size class: Micro Cap.
Net worth (book value)
$123 MWhat AmeriServ Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$7.25Net worth divided by the number of shares. The share price of $4.77 is 0.7 times this, which is the P/B above.
Return on equity (ROE)
7.7%AmeriServ Financial, Inc. earned 7.7% on its shareholders' money over the last year, lower than 66% of Financial Services companies in United States.
Owes vs Owns
0.92×AmeriServ Financial, Inc. owes $0.92 for every $1 it owns (high), higher than 90% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.54%AmeriServ Financial, Inc. pays 2.54% of its share price as dividends a year, lower than 56% of dividend-paying Financial Services companies in United States.
Revenue growth
+10%Revenue rose 10% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Profit growth
+56%Net profit rose 56% in the year to Dec 2025, and shrank 9% a year on average over 3 years.
Profit margin
9.5%AmeriServ Financial, Inc. keeps $9 of every $100 of revenue as net profit.
Questions
What is AmeriServ Financial, Inc.'s P/E ratio?
Investors pay $8.8 for every $1 of AmeriServ Financial, Inc.'s yearly profit, lower than 84% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For AmeriServ Financial, Inc.: $81 M ÷ $123 M (30 Jun 2026) = 0.7.
What is AmeriServ Financial, Inc.'s return on equity?
AmeriServ Financial, Inc. earned 7.7% on its shareholders' money over the last year, lower than 66% of Financial Services companies in United States.
How much does AmeriServ Financial, Inc. owe compared with what it owns?
AmeriServ Financial, Inc. owes $0.92 for every $1 it owns (high), higher than 90% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does AmeriServ Financial, Inc. pay a dividend?
Yes. AmeriServ Financial, Inc. pays 2.54% of its share price as dividends a year, lower than 56% of dividend-paying Financial Services companies in United States.
Is AmeriServ Financial, Inc.'s revenue growing?
Revenue rose 10% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.