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STOCKS

Ameriserv Financial (ASRV)

NASDAQ:ASRV

ASRV

Ameriserv Financial

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Ameriserv Financial (ASRV) Ratios

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136 Followers

Ameriserv Financial Ratios

ASRV's free cash flow for Q2 2025 was $0.52. For the 2025 fiscal year, ASRV's free cash flow was decreased by $ and operating cash flow was $-0.02. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.16	0.15	0.15	0.26	4.88
Quick Ratio	0.16	0.15	0.15	0.57	5.96
Cash Ratio	0.02	0.01	0.01	0.25	0.96
Solvency Ratio	<0.01	<0.01	>-0.01	<0.01	<0.01
Operating Cash Flow Ratio	<0.01	<0.01	<0.01	0.06	0.23
Short-Term Operating Cash Flow Coverage	0.52	0.18	0.15	0.05	0.00
Net Current Asset Value	$ -1.13B	$ -1.14B	$ -1.10B	$ -1.23B	$ -1.01B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.08	0.12	0.03
Debt-to-Equity Ratio	0.85	0.95	1.13	1.52	0.37
Debt-to-Capital Ratio	0.46	0.49	0.53	0.60	0.27
Long-Term Debt-to-Capital Ratio	0.42	0.44	0.41	0.23	0.37
Financial Leverage Ratio	12.92	13.26	13.59	13.09	11.46
Debt Service Coverage Ratio	0.16	0.13	-0.02	0.08	1.20
Interest Coverage Ratio	0.20	0.14	-0.18	2.08	1.16
Debt to Market Cap	1.88	2.16	2.02	2.07	1.05
Interest Debt Per Share	7.05	7.86	8.19	9.74	2.94
Net Debt to EBITDA	11.53	12.95	-43.88	11.97	0.14
Profitability Margins
Gross Profit Margin	47.13%	62.90%	58.23%	100.00%	100.00%
EBIT Margin	5.31%	5.21%	-5.68%	112.25%	15.44%
EBITDA Margin	7.15%	7.67%	-3.00%	137.82%	19.02%
Operating Profit Margin	5.31%	5.21%	-5.68%	215.88%	15.44%
Pretax Profit Margin	5.31%	5.21%	-5.68%	112.25%	15.44%
Net Profit Margin	4.33%	4.26%	-4.33%	90.86%	12.44%
Continuous Operations Profit Margin	4.33%	4.26%	-4.33%	90.86%	12.44%
Net Income Per EBT	81.63%	81.86%	76.25%	80.95%	80.60%
EBT Per EBIT	100.00%	100.00%	100.00%	51.99%	100.00%
Return on Assets (ROA)	0.26%	0.25%	-0.24%	0.55%	0.53%
Return on Equity (ROE)	3.44%	3.36%	-3.27%	7.16%	6.07%
Return on Capital Employed (ROCE)	2.22%	2.13%	-2.31%	1.39%	0.68%
Return on Invested Capital (ROIC)	1.72%	1.63%	-1.45%	19.33%	1.71%
Return on Tangible Assets	0.26%	0.26%	-0.24%	0.55%	0.54%
Earnings Yield	7.75%	8.00%	-6.02%	11.05%	10.73%
Efficiency Ratios
Receivables Turnover	14.67	15.40	13.97	1.71	14.27
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	4.80	4.67	4.50	0.47	3.26
Asset Turnover	0.06	0.06	0.06	<0.01	0.04
Working Capital Turnover Ratio	-0.08	-0.08	-0.08	0.17	0.44
Cash Conversion Cycle	24.87	23.70	26.12	213.91	25.58
Days of Sales Outstanding	24.87	23.70	26.12	213.91	25.58
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	24.87	23.70	26.12	213.91	25.58
Cash Flow Ratios
Operating Cash Flow Per Share	0.33	0.16	0.37	0.30	0.58
Free Cash Flow Per Share	0.26	0.06	0.29	0.18	0.51
CapEx Per Share	0.06	0.10	0.08	0.12	0.07
Free Cash Flow to Operating Cash Flow	0.80	0.36	0.78	0.60	0.88
Dividend Paid and CapEx Coverage Ratio	1.77	0.72	1.83	1.29	3.37
Capital Expenditure Coverage Ratio	5.07	1.57	4.55	2.50	8.01
Operating Cash Flow Coverage Ratio	0.06	0.03	0.05	0.03	0.23
Operating Cash Flow to Sales Ratio	0.06	0.03	0.08	0.64	0.17
Free Cash Flow Yield	9.14%	2.17%	8.83%	4.64%	13.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.91	12.50	-16.60	9.05	9.32
Price-to-Sales (P/S) Ratio	0.56	0.53	0.72	8.22	1.16
Price-to-Book (P/B) Ratio	0.43	0.42	0.54	0.65	0.57
Price-to-Free Cash Flow (P/FCF) Ratio	10.94	46.14	11.32	21.54	7.58
Price-to-Operating Cash Flow Ratio	8.78	16.76	8.83	12.94	6.63
Price-to-Earnings Growth (PEG) Ratio	0.13	-0.06	0.11	1.24	0.18
Price-to-Fair Value	0.43	0.42	0.54	0.65	0.57
Enterprise Value Multiple	19.34	19.90	-67.88	17.93	6.24
Enterprise Value	118.14M	128.97M	157.07M	202.58M	67.45M
EV to EBITDA	19.34	19.90	-67.88	17.93	6.24
EV to Sales	1.38	1.53	2.03	24.71	1.19
EV to Free Cash Flow	27.07	132.14	32.01	64.74	7.76
EV to Operating Cash Flow	21.72	48.00	24.98	38.89	6.79
Tangible Book Value Per Share	5.88	5.57	5.17	5.28	6.02
Shareholders’ Equity Per Share	6.70	6.38	5.97	6.08	6.83
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.24	0.19	0.19
Revenue Per Share	5.17	5.03	4.51	0.48	3.33
Net Income Per Share	0.22	0.21	-0.20	0.44	0.41
Tax Burden	0.82	0.82	0.76	0.81	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	0.26	0.35	0.39	3.54	0.50
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	1.51	0.75	-1.88	0.70	1.41

Currency in USD