AmeriServ Financial Valuation
| ASRV Stock | USD 2.87 0.01 0.35% |
Based on Macroaxis valuation methodology, the firm appears to be overvalued. AmeriServ Financial shows a prevailing Real Value of $2.43 per share. The current price of the firm is $2.87. Our model approximates the value of AmeriServ Financial from analyzing the firm fundamentals such as return on equity of -0.0249, and Profit Margin of (0.06) % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting AmeriServ Financial's valuation include:
Price Book 0.4382 | Enterprise Value 152.3 M | Price Sales 1.0411 | Enterprise Value Revenue 2.5889 |
Overvalued
Today
Please note that AmeriServ Financial's price fluctuation is unstable at this time. Calculation of the real value of AmeriServ Financial is based on 3 months time horizon. Increasing AmeriServ Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the AmeriServ stock is determined by what a typical buyer is willing to pay for full or partial control of AmeriServ Financial. Since AmeriServ Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of AmeriServ Stock. However, AmeriServ Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 2.87 | Real 2.43 | Hype 2.85 |
The intrinsic value of AmeriServ Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence AmeriServ Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of AmeriServ Financial helps investors to forecast how AmeriServ stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of AmeriServ Financial more accurately as focusing exclusively on AmeriServ Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use AmeriServ Financial's intrinsic value based on its ongoing forecasts of AmeriServ Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against AmeriServ Financial's closest peers.
AmeriServ Financial Cash |
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AmeriServ Valuation Trend
Analysing the historical paterns of AmeriServ Financial's enterprise value and its market capitalization is a good way to estimate and gauge the value of AmeriServ Financial over time and is usually enough for investors to make rational market timing decisions.
AmeriServ Revenue by Product
AmeriServ Financial Total Value Analysis
AmeriServ Financial is presently projected to have valuation of 152.32 M with market capitalization of 49.06 M, debt of 115.56 M, and cash on hands of 34.67 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the AmeriServ Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
152.32 M | 49.06 M | 115.56 M | 34.67 M |
AmeriServ Financial Investor Information
About 21.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.44. Some equities with similar Price to Book (P/B) outperform the market in the long run. AmeriServ Financial recorded a loss per share of 0.17. The entity last dividend was issued on the 4th of November 2024. The firm had 3:1 split on the 3rd of August 1998. Based on the analysis of AmeriServ Financial's profitability, liquidity, and operating efficiency, AmeriServ Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 2.04 | 1.94 |
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| Operating Income | 65.2 M | 62 M |
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AmeriServ Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of AmeriServ indicates not a very effective usage of assets in November.AmeriServ Financial Ownership Allocation
AmeriServ Financial holds a total of 16.52 Million outstanding shares. AmeriServ Financial retains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.AmeriServ Financial Profitability Analysis
The company reported the previous year's revenue of 52.41 M. Net Loss for the year was (3.35 M) with profit before overhead, payroll, taxes, and interest of 57.2 M.AmeriServ Financial Past Distributions to stockholders
About AmeriServ Financial Valuation
Our relative valuation model uses a comparative analysis of AmeriServ Financial. We calculate exposure to AmeriServ Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of AmeriServ Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 52.4 M | 40.9 M | |
| Pretax Profit Margin | (0.08) | (0.08) | |
| Operating Profit Margin | 1.94 | 2.04 | |
| Net Loss | (0.06) | (0.06) |
AmeriServ Financial Quarterly Retained Earnings |
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A single share of AmeriServ Financial represents a small ownership stake in the entity. As a stockholder of AmeriServ, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
AmeriServ Financial Dividends Analysis For Valuation
At this time, AmeriServ Financial's Dividends Paid is fairly stable compared to the past year. Dividend Yield is likely to climb to 0.05 in 2024, despite the fact that Dividend Payout Ratio is likely to grow to (0.58). . Retained Earnings is likely to drop to about 41.4 M in 2024. Retained Earnings Total Equity is likely to drop to about 38.7 M in 2024
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 2.1 M | 2.5 M | |
| Dividend Yield | 0.04 | 0.05 | |
| Dividend Payout Ratio | (0.62) | (0.58) | |
| Dividend Paid And Capex Coverage Ratio | 1.83 | 2.64 |
There are various types of dividends AmeriServ Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of AmeriServ shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from AmeriServ Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When AmeriServ pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of AmeriServ Financial by the value of the dividends paid out.
AmeriServ Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as AmeriServ Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 17.1 M | |
| Quarterly Earnings Growth Y O Y | 0.855 |
AmeriServ Financial Current Valuation Indicators
AmeriServ Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final AmeriServ Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as AmeriServ Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use AmeriServ Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes AmeriServ Financial's worth.Additional Tools for AmeriServ Stock Analysis
When running AmeriServ Financial's price analysis, check to measure AmeriServ Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy AmeriServ Financial is operating at the current time. Most of AmeriServ Financial's value examination focuses on studying past and present price action to predict the probability of AmeriServ Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move AmeriServ Financial's price. Additionally, you may evaluate how the addition of AmeriServ Financial to your portfolios can decrease your overall portfolio volatility.