Ameriserv Financial (ASRV) Fundamental Analysis: Revenue, Earnings & Valuation

3.79 / 10

Netural

Fundamental analysis rates the stock at 3.8/10, indicating weakness. Strong points are gross profit margin (48.3%) and healthy liability ratios, but cash‑to‑market, net‑income‑to‑revenue and cash‑MV are negative. Overall, the balance sheet offers limited upside.

Analysis Checks(7/10)

Revenue-MV

Value0.26

Score0/3

Weight6.56%

1M Return3.40%

Gross profit margin (%)

Value48.34

Score3/3

Weight6.87%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight6.87%

1M Return3.48%

Profit-MV

Value1.22

Score2/3

Weight13.59%

1M Return6.04%

Net income-Revenue

Value-0.73

Score0/3

Weight7.38%

1M Return3.87%

PB-ROE

Value-1.03

Score2/3

Weight11.38%

1M Return5.41%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight6.88%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.87%

1M Return3.48%

Asset-MV

Value-0.55

Score3/3

Weight26.79%

1M Return9.93%

Cash-MV

Value-0.81

Score0/3

Weight6.79%

1M Return3.33%

Is ASRV undervalued or overvalued?

ASRV scores 3.79/10 on fundamentals and holds a Fair valuation at present. Backed by its 4.95% ROE, 9.47% net margin, 10.76 P/E ratio, 0.51 P/B ratio, and 61.90% earnings growth, these metrics solidify its Netural investment rating.