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Ameriserv Financial (ASRV)
NASDAQ:ASRV
US Market
ASRV
Ameriserv Financial
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Ameriserv Financial (ASRV) Ratios

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Ameriserv Financial Ratios

ASRV's free cash flow for Q1 2026 was $0.68. For the 2026 fiscal year, ASRV's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.36 0.06 0.15 0.15 0.17
Quick Ratio
 1.36 0.06 0.15 0.15 0.17
Cash Ratio
 0.93 0.04 0.01 0.01 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 >-0.01 <0.01
Operating Cash Flow Ratio
 0.21 <0.01 <0.01 <0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.21 0.00 0.18 0.15 0.06
Net Current Asset Value
$ -1.33B$ -1.26B$ -1.14B$ -1.10B$ -1.05B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.05 0.07 0.08 0.10
Debt-to-Equity Ratio
 0.59 0.63 0.95 1.13 1.30
Debt-to-Capital Ratio
 0.37 0.39 0.49 0.53 0.57
Long-Term Debt-to-Capital Ratio
 0.31 0.37 0.44 0.41 0.30
Financial Leverage Ratio
 12.20 12.18 13.26 13.59 12.85
Debt Service Coverage Ratio
 0.15 0.19 0.13 -0.02 0.10
Interest Coverage Ratio
 0.23 0.23 0.14 -0.18 1.08
Debt to Market Cap
 1.08 1.35 2.16 2.02 2.00
Interest Debt Per Share
 5.92 6.32 7.86 8.19 8.59
Net Debt to EBITDA
 7.62 3.59 12.95 -43.88 10.22
Profitability Margins
Gross Profit Margin
62.66%62.41%62.90%58.23%87.00%
EBIT Margin
7.48%7.69%5.21%-5.68%13.99%
EBITDA Margin
8.65%7.69%7.67%-3.00%17.18%
Operating Profit Margin
7.48%7.69%5.21%-5.68%13.99%
Pretax Profit Margin
7.48%7.69%5.21%-5.68%13.99%
Net Profit Margin
6.20%6.35%4.26%-4.33%11.33%
Continuous Operations Profit Margin
6.20%6.35%4.26%-4.33%11.33%
Net Income Per EBT
82.93%82.58%81.86%76.25%80.95%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.37%0.39%0.25%-0.24%0.55%
Return on Equity (ROE)
4.72%4.70%3.36%-3.27%7.01%
Return on Capital Employed (ROCE)
0.45%3.30%2.13%-2.31%5.52%
Return on Invested Capital (ROIC)
0.37%2.73%1.63%-1.45%2.92%
Return on Tangible Assets
0.38%0.39%0.26%-0.24%0.55%
Earnings Yield
8.53%10.65%8.00%-6.02%11.05%
Efficiency Ratios
Receivables Turnover
 14.69 15.90 15.40 13.97 13.69
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.13 5.07 4.67 4.50 3.76
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 -0.15 -0.08 -0.08 -0.08 -0.07
Cash Conversion Cycle
 24.84 22.96 23.70 26.12 26.67
Days of Sales Outstanding
 24.84 22.96 23.70 26.12 26.67
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 24.84 22.96 23.70 26.12 26.67
Cash Flow Ratios
Operating Cash Flow Per Share
 0.17 0.19 0.16 0.37 0.30
Free Cash Flow Per Share
 0.08 0.12 0.06 0.29 0.18
CapEx Per Share
 0.09 0.07 0.10 0.08 0.12
Free Cash Flow to Operating Cash Flow
 0.48 0.65 0.36 0.78 0.60
Dividend Paid and CapEx Coverage Ratio
 0.84 1.03 0.72 1.83 1.29
Capital Expenditure Coverage Ratio
 1.93 2.84 1.57 4.55 2.50
Operating Cash Flow Coverage Ratio
 0.04 0.04 0.03 0.05 0.04
Operating Cash Flow to Sales Ratio
 0.03 0.04 0.03 0.08 0.08
Free Cash Flow Yield
2.20%3.91%2.17%8.83%4.64%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.39 9.39 12.50 -16.60 9.05
Price-to-Sales (P/S) Ratio
 0.71 0.60 0.53 0.72 1.03
Price-to-Book (P/B) Ratio
 0.52 0.44 0.42 0.54 0.63
Price-to-Free Cash Flow (P/FCF) Ratio
 44.20 25.54 46.14 11.32 21.54
Price-to-Operating Cash Flow Ratio
 21.27 16.54 16.76 8.83 12.94
Price-to-Earnings Growth (PEG) Ratio
 0.23 0.15 -0.06 0.11 1.24
Price-to-Fair Value
 0.52 0.44 0.42 0.54 0.63
Enterprise Value Multiple
 15.80 11.35 19.90 -67.88 16.18
Enterprise Value
 123.07M 77.12M 128.97M 157.07M 182.81M
EV to EBITDA
 16.05 11.35 19.90 -67.88 16.18
EV to Sales
 1.39 0.87 1.53 2.03 2.78
EV to Free Cash Flow
 86.67 37.38 132.14 32.01 58.43
EV to Operating Cash Flow
 41.80 24.20 48.00 24.98 35.10
Tangible Book Value Per Share
 6.32 6.39 5.57 5.17 5.40
Shareholders’ Equity Per Share
 7.13 7.22 6.38 5.97 6.21
Tax and Other Ratios
Effective Tax Rate
 0.17 0.17 0.18 0.24 0.19
Revenue Per Share
 5.24 5.35 5.03 4.51 3.84
Net Income Per Share
 0.32 0.34 0.21 -0.20 0.44
Tax Burden
 0.83 0.83 0.82 0.76 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.21 0.38 0.35 0.39 0.44
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Income Quality
 0.54 0.57 0.75 -1.88 0.70
Currency in USD