AmeriServ Financial, Inc. (ASRV) is a Banks - Regional company in the Financial Services sector, currently trading at $3.73. It has a SharesGrow Score of 61/100, indicating a above average investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of ASRV = $6.15 (+65% from the current price, the stock appears undervalued).
Valuation: ASRV trades at a trailing Price-to-Earnings (P/E) of 10.6 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.09.
Financials: revenue is $88M, +10.5%/yr average growth. Net income is $6M, growing at +39.5%/yr. Net profit margin is 6.4% (thin). Gross margin is 62.4% (-24.6 pp trend).
Balance sheet: total debt is $75M against $119M equity (Debt-to-Equity (D/E) ratio 0.63, moderate). Current ratio is 13.77 (strong liquidity). Debt-to-assets is 5.2%. Total assets: $1.5B.
SharesGrow 7-Criteria breakdown: Value 81/100 (Pass), Growth 90/100 (Pass), Past 75/100 (Partial), Health 50/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 45/100 (Partial).
