Ameriserv Financial Inc /Pa/ - Understand $asrv stock

$ASRV Market Cap: $46.91 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$27.78M

TTM

Gross Margin

Net Earnings

-$2.609M

TTM

Current Assets

Current Liabilities

$13.38M

Q3 2024

Current Ratio

Total Assets

$1.405B

Q3 2024

Total Liabilities

$1.297B

Q3 2024

Book Value

$108.2M

Q3 2024

Cash

$22.12M

Q3 2024

P/E

-17.98

Nov 29, 2024 EST

Free Cash Flow

-$1.897M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$14.49M	$14.74M	$46.67M	$46.88M	$49.77M	$47.09M	$44.36M	$41.87M	$41.88M	$40.44M	$39.34M	$39.92M	$41.96M	$44.83M
YoY Change	-1.66%	-68.42%	-0.45%	-5.8%	5.68%	6.17%	5.94%	-0.03%	3.56%	2.79%	-1.44%	-4.88%	-6.4%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$14.49M	$14.74M	$46.67M	$46.88M	$49.77M	$47.09M	$44.36M	$41.87M	$41.88M	$40.44M	$39.34M	$39.92M	$41.96M	$44.83M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.074M	$1.700M	$1.700M	$1.600M	$1.500M	$1.500M	$1.700M	$1.800M	$1.800M	$1.800M	$1.700M	$1.500M	$1.500M	$1.500M	$1.700M	$2.400M	$2.380M	$2.570M	$2.690M	$3.020M	$3.410M	$3.230M	$4.510M	$5.110M	$5.800M	$4.790M	$4.790M	$4.920M	$4.950M	$4.160M	$3.700M	$3.110M	$2.080M	$1.960M	$2.050M	$2.000M
YoY Change	22.0%	0.0%	6.25%	6.67%	0.0%	-11.76%	-5.56%	0.0%	0.0%	5.88%	13.33%	0.0%	0.0%	-11.76%	-29.17%	0.84%	-7.39%	-4.46%	-10.93%	-11.44%	5.57%	-28.38%	-11.74%	-11.9%	21.09%	0.0%	-2.64%	-0.61%	18.99%	12.43%	18.97%	49.52%	6.12%	-4.39%	2.5%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$24.84M	$8.495M	$7.586M	$10.52M	$14.33M	$11.60M	$8.795M	$7.735M	$6.520M	$6.397M	$6.482M	$7.714M	$9.681M	$12.49M
YoY Change	192.41%	11.98%	-27.86%	-26.6%	23.49%	31.89%	13.7%	18.63%	1.92%	-1.31%	-15.97%	-20.32%	-22.48%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	-$4.388M	$9.201M	$8.774M	$5.812M	$7.600M	$9.382M	$8.640M	$3.207M	$8.340M	$4.621M	$7.482M	$7.280M	$9.390M	$1.362M	-$7.950M	$6.980M	$3.960M	$2.750M	-$14.92M	-$14.37M	$2.780M	-$3.690M	$2.390M	$240.0K	$27.34M	$28.80M	$32.80M	$27.26M	$21.85M	$17.25M	$16.52M	$14.32M	$9.180M	$8.930M	$6.760M	$2.390M	-$12.83M	$3.130M	$5.120M	$4.820M	$3.930M
YoY Change	-147.69%	4.87%	50.96%	-23.53%	-18.99%	8.59%	169.41%	-61.55%	80.48%	-38.24%	2.77%	-22.47%	589.43%	-117.13%	-213.9%	76.26%	44.0%	-118.43%	3.83%	-616.91%	-175.34%	-254.39%	895.83%	-99.12%	-5.07%	-12.2%	20.32%	24.76%	26.67%	4.42%	15.36%	55.99%	2.8%	32.1%	182.85%	-118.63%	-509.9%	-38.87%	6.22%	22.65%
Income Tax	-$1.042M	$1.753M	$1.702M	$1.214M	$1.572M	$1.614M	$5.347M	$897.0K	$2.343M	$1.598M	$2.289M	$2.241M	$2.853M	$80.00K	-$3.050M	$1.470M	$920.0K	$420.0K	-$5.900M	-$5.850M	$590.0K	-$1.690M	$410.0K	-$1.480M	$6.920M	$7.660M	$9.300M	$7.240M	$6.050M	$5.930M	$5.480M	$5.440M	$2.870M	$2.750M	$1.960M	$260.0K	$0.00	-$530.0K	$170.0K	$110.0K	$460.0K
% Of Pretax Income		19.05%	19.4%	20.89%	20.68%	17.2%	61.89%	27.97%	28.09%	34.58%	30.59%	30.78%	30.38%	5.87%		21.06%	23.23%	15.27%			21.22%		17.15%	-616.67%	25.31%	26.6%	28.35%	26.56%	27.69%	34.38%	33.17%	37.99%	31.26%	30.8%	28.99%	10.88%		-16.93%	3.32%	2.28%	11.7%
Net Earnings	-$3.346M	$7.448M	$7.072M	$4.598M	$6.028M	$7.768M	$3.293M	$2.310M	$5.997M	$3.023M	$5.193M	$5.039M	$6.537M	$1.282M	-$4.900M	$5.510M	$3.030M	$2.330M	-$9.140M	-$9.720M	$550.0K	-$5.150M	$1.980M	$1.720M	$20.42M	$21.14M	$23.50M	$20.02M	$15.80M	$11.32M	$12.49M	$8.880M	$7.310M	$7.660M	$6.520M	$2.390M	-$12.83M	$3.670M	$4.960M	$4.710M	$3.930M
YoY Change	-144.92%	5.32%	53.81%	-23.72%	-22.4%	135.89%	42.55%	-61.48%	98.38%	-41.79%	3.06%	-22.92%	409.91%	-126.16%	-188.93%	81.85%	30.04%	-125.49%	-5.97%	-1867.27%	-110.68%	-360.1%	15.12%	-91.58%	-3.41%	-10.04%	17.38%	26.71%	39.58%	-9.37%	40.65%	21.48%	-4.57%	17.48%	172.8%	-118.63%	-449.59%	-26.01%	5.31%	19.85%
Net Earnings / Revenue	-23.09%	50.54%	15.15%	9.81%	12.11%	16.49%	7.42%	5.52%	14.32%	7.48%	13.2%	12.62%	15.58%	2.86%
Basic Earnings Per Share	-$0.20	$0.44	$0.41	$0.27	$0.35	$0.43	$0.18	$0.12	$0.31	$0.15	$0.26	$0.21	$0.24	$0.01
Diluted Earnings Per Share	-$0.20	$434.4K	$0.41	$0.27	$0.35	$0.43	$0.18	$0.12	$0.31	$0.15	$0.26	$0.21	$0.24	$0.01	-$231.5K	$250.7K	$136.7K	$105.2K	-$449.4K	-$657.6K	$39.43K	-$373.7K	$145.9K	$128.6K	$1.518M	$1.482M	$1.539M	$1.276M	$961.1K	$726.6K	$907.0K	$841.7K	$764.6K	$804.6K	$686.3K	$314.9K	-$1.699M	$489.3K	$741.4K	$726.9K	$627.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$17.18M	$17.50M	$17.40M	$18.10M	$18.60M	$13.30M	$12.70M	$11.70M	$12.10M	$13.00M	$13.10M	$11.80M	$10.70M	$10.50M	$9.200M	$9.500M	$8.500M	$8.600M	$8.700M	$9.700M	$10.90M	$12.70M	$13.50M	$13.50M	$18.90M	$18.00M	$17.60M	$18.20M	$18.60M	$19.10M	$17.00M	$15.10M	$15.50M	$16.00M	$16.50M	$19.00M	$17.50M	$18.10M	$16.90M	$11.90M	$11.10M
YoY Change	-1.85%	0.59%	-3.87%	-2.69%	39.85%	4.72%	8.55%	-3.31%	-6.92%	-0.76%	11.02%	10.28%	1.9%	14.13%	-3.16%	11.76%	-1.16%	-1.15%	-10.31%	-11.01%	-14.17%	-5.93%	0.0%	-28.57%	5.0%	2.27%	-3.3%	-2.15%	-2.62%	12.35%	12.58%	-2.58%	-3.13%	-3.03%	-13.16%	8.57%	-3.31%	7.1%	42.02%	7.21%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$2.679M	$2.789M	$0.00	$1.600M	$4.000M	$3.600M	$6.000M	$10.70M	$9.000M	$9.500M	$9.600M	$11.50M	$12.70M	$16.10M	$15.90M	$12.70M	$13.80M	$15.80M	$15.30M	$11.00M	$5.900M
YoY Change	-3.94%		-100.0%	-60.0%	11.11%	-40.0%	-43.93%	18.89%	-5.26%	-1.04%	-16.52%	-9.45%	-21.12%	1.26%	25.2%	-7.97%	-12.66%	3.27%	39.09%	86.44%
Total Long-Term Assets
YoY Change
Total Assets	$1.390B	$1.364B	$1.336B	$1.280B	$1.171B	$1.161B	$1.168B	$1.154B	$1.149B	$1.089B	$1.056B	$1.001B	$979.1M	$949.0M	$970.0M	$966.9M	$904.9M	$896.0M	$880.2M	$1.010B	$1.149B	$1.176B	$1.199B	$1.254B	$2.468B	$2.377B	$2.239B	$2.087B	$1.885B	$1.789B	$1.242B	$1.140B	$784.0M	$774.4M	$751.2M	$766.7M	$760.4M	$795.0M	$811.2M	$626.3M	$515.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$658.0K	$643.0K	$700.0K	$800.0K	$900.0K
YoY Change	2.33%	-8.14%	-12.5%	-11.11%
Deferred Revenue
YoY Change
Short-Term Debt	$40.95M	$88.64M	$0.00	$24.70M	$22.40M	$41.00M	$49.10M	$12.80M	$48.70M	$38.90M	$41.60M	$15.70M	$15.80M	$4.600M	$25.80M	$119.9M	$72.20M	$49.10M	$63.20M	$151.9M	$144.6M	$91.60M	$6.200M	$43.00M	$84.90M	$129.0M	$57.90M	$83.80M	$37.10M	$83.50M	$12.90M	$17.60M	$1.000M	$7.300M	$7.000M	$10.10M	$1.300M	$11.50M	$10.40M	$3.100M	$2.200M
YoY Change	-53.8%		-100.0%	10.27%	-45.37%	-16.5%	283.59%	-73.72%	25.19%	-6.49%	164.97%	-0.63%	243.48%	-82.17%	-78.48%	66.07%	47.05%	-22.31%	-58.39%	5.05%	57.86%	1377.42%	-85.58%	-49.35%	-34.19%	122.8%	-30.91%	125.88%	-55.57%	547.29%	-26.7%	1660.0%	-86.3%	4.29%	-30.69%	676.92%	-88.7%	10.58%	235.48%	40.91%
Long-Term Debt Due	$311.0K	$309.0K	$300.0K	$300.0K	$300.0K
YoY Change	0.65%	3.0%	0.0%	0.0%
Total Short-Term Liabilities	$41.92M	$952.0K	$1.000M	$1.100M	$1.200M	$41.00M	$49.10M	$12.80M	$48.70M	$38.90M	$41.60M	$15.70M	$15.80M	$4.600M	$25.80M	$119.9M	$72.20M	$49.10M	$63.20M	$151.9M	$144.6M	$91.60M	$6.200M	$43.00M	$84.90M	$129.0M	$57.90M	$83.80M	$37.10M	$83.50M	$12.90M	$17.60M	$1.000M	$7.300M	$7.000M	$10.10M	$1.300M	$11.50M	$10.40M	$3.100M	$2.200M
YoY Change	4303.36%	-4.8%	-9.09%	-8.33%	-97.07%	-16.5%	283.59%	-73.72%	25.19%	-6.49%	164.97%	-0.63%	243.48%	-82.17%	-78.48%	66.07%	47.05%	-22.31%	-58.39%	5.05%	57.86%	1377.42%	-85.58%	-49.35%	-34.19%	122.8%	-30.91%	125.88%	-55.57%	547.29%	-26.7%	1660.0%	-86.3%	4.29%	-30.69%	676.92%	-88.7%	10.58%	235.48%	40.91%
Long-Term Debt	$29.07M	$29.02M	$29.20M	$23.30M	$23.30M	$20.40M	$20.40M	$20.30M	$20.30M	$13.10M	$13.10M	$13.10M	$13.10M	$13.10M	$13.10M	$13.10M	$13.10M	$13.10M	$13.10M	$20.30M	$34.50M	$34.50M	$34.50M	$36.10M	$41.60M	$43.80M	$8.100M	$4.200M	$5.100M	$5.800M	$3.400M	$9.400M	$5.900M	$6.200M	$6.300M	$7.500M	$8.000M	$8.400M	$8.900M	$12.30M	$8.100M
YoY Change	0.2%	-0.63%	25.32%	0.0%	14.22%	0.0%	0.49%	0.0%	54.96%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-35.47%	-41.16%	0.0%	0.0%	-4.43%	-13.22%	-5.02%	440.74%	92.86%	-17.65%	-12.07%	70.59%	-63.83%	59.32%	-4.84%	-1.59%	-16.0%	-6.25%	-4.76%	-5.62%	-27.64%	51.85%
Other Long-Term Liabilities	$13.45M	$10.79M	$5.900M	$6.300M	$11.50M	$5.400M	$8.900M	$12.00M	$9.200M	$11.00M	$8.600M	$13.00M	$15.50M	$13.30M	$12.10M	$11.90M	$8.900M	$6.400M	$5.800M	$11.20M	$10.00M	$15.20M	$18.40M	$16.20M	$24.10M	$32.60M	$28.30M	$26.40M	$22.80M	$22.80M	$15.70M	$10.80M	$9.800M	$8.600M	$9.800M	$9.000M	$10.60M	$7.900M	$16.20M	$5.500M	$4.600M
YoY Change	24.65%	82.81%	-6.35%	-45.22%	112.96%	-39.33%	-25.83%	30.43%	-16.36%	27.91%	-33.85%	-16.13%	16.54%	9.92%	1.68%	33.71%	39.06%	10.34%	-48.21%	12.0%	-34.21%	-17.39%	13.58%	-32.78%	-26.07%	15.19%	7.2%	15.79%	0.0%	45.22%	45.37%	10.2%	13.95%	-12.24%	8.89%	-15.09%	34.18%	-51.23%	194.55%	19.57%
Total Long-Term Liabilities	$42.52M	$39.80M	$35.10M	$29.60M	$34.80M	$25.80M	$29.30M	$32.30M	$29.50M	$24.10M	$21.70M	$26.10M	$28.60M	$26.40M	$25.20M	$25.00M	$22.00M	$19.50M	$18.90M	$31.50M	$44.50M	$49.70M	$52.90M	$52.30M	$65.70M	$76.40M	$36.40M	$30.60M	$27.90M	$28.60M	$19.10M	$20.20M	$15.70M	$14.80M	$16.10M	$16.50M	$18.60M	$16.30M	$25.10M	$17.80M	$12.70M
YoY Change	6.83%	13.39%	18.58%	-14.94%	34.88%	-11.95%	-9.29%	9.49%	22.41%	11.06%	-16.86%	-8.74%	8.33%	4.76%	0.8%	13.64%	12.82%	3.17%	-40.0%	-29.21%	-10.46%	-6.05%	1.15%	-20.4%	-14.01%	109.89%	18.95%	9.68%	-2.45%	49.74%	-5.45%	28.66%	6.08%	-8.07%	-2.42%	-11.29%	14.11%	-35.06%	41.01%	40.16%
Total Liabilities	$1.287B	$1.258B	$1.219B	$1.175B	$1.073B	$1.063B	$1.073B	$1.058B	$1.030B	$974.9M	$942.7M	$890.5M	$866.7M	$841.9M	$862.8M	$853.7M	$814.6M	$811.3M	$795.7M	$924.8M	$1.075B	$1.095B	$1.119B	$1.176B	$2.355B	$2.235B	$2.081B	$1.935B	$1.735B	$1.652B	$1.125B	$1.057B	$714.0M	$709.4M	$692.4M	$713.3M	$708.4M	$728.1M	$744.8M	$581.5M	$474.2M
YoY Change	2.36%	3.17%	3.72%	9.57%	0.93%	-0.92%	1.34%	2.81%	5.6%	3.42%	5.86%	2.75%	2.95%	-2.42%	1.07%	4.8%	0.41%	1.96%	-13.96%	-13.96%	-1.87%	-2.15%	-4.8%	-50.07%	5.35%	7.42%	7.53%	11.55%	5.03%	46.84%	6.43%	48.03%	0.65%	2.46%	-2.93%	0.69%	-2.71%	-2.24%	28.08%	22.63%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	17.14M	17.11M	17.07M	17.05M	17.36M	17.93M	18.50M	18.90M	18.86M shares	18.79M shares	18.94M shares	19.69M shares	21.18M shares	21.22M
Diluted Shares Outstanding	17.14M	17.15M	17.11M	17.06M	17.44M	18.04M	18.60M	18.96M	18.93M shares	18.91M shares	19.03M shares	19.75M shares	21.21M shares	21.23M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $46.915 Million

About AMERISERV FINANCIAL INC /PA/

AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. The company is headquartered in Johnstown, Pennsylvania and currently employs 323 full-time employees. The Bank provides full-service banking and wealth management services through 16 community offices in southwestern Pennsylvania and Hagerstown, Maryland. The Bank also operates loan production offices in Altoona and Monroeville, Pennsylvania. The Bank provides retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, and money orders; and lending, depository and related financial services to commercial, industrial, financial, and governmental customers, such as commercial real estate mortgage loans (CRE), short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, and others. AmeriServ Wealth & Capital Management is a division of the Bank.

Industry: National Commercial Banks Peers: BANK OF THE JAMES FINANCIAL GROUP INC DELHI BANK CORP Farmers & Merchants Bancshares, Inc. Oxford Bank Corp PNC FINANCIAL SERVICES GROUP, INC. UNITED BANCSHARES INC/OH