AmeriServ Financial, Inc. cash flow to debt ratio of 4.23% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

AmeriServ Financial, Inc.'s free cash flow has increased 111.37% from $976.00K last year to $2.06M, signaling increasing performance

AmeriServ Financial, Inc.'s debt to equity ratio is 0.54, which means that the company's assets are healthy financed, signaling financial stability.

AmeriServ Financial, Inc.'s debt has decreased relative to shareholder equity from 0.95 last year to 0.54 today, signaling strengthened financials

AmeriServ Financial, Inc. has a net debt to EBITDA ratio of 0.71x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

AmeriServ Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

AmeriServ Financial, Inc.'s profit margin was 4.26% last year and is 9.51% this year, signaling increasing performance

AmeriServ Financial, Inc.'s short-term liabilities of $1.25B exceed its short-term assets of $74.55M, signaling financial risk

AmeriServ Financial, Inc.'s return on assets of 0.58% is lower than the 5.00% threshold, indicating inefficient asset utilization

AmeriServ Financial, Inc.'s return on equity of 7.13%, is lower than 15.00%, indicating bad performance

AmeriServ Financial, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

AmeriServ Financial, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

AmeriServ Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

AmeriServ Financial, Inc. has a free cash flow yield of 2.60%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

AmeriServ Financial, Inc.'s yearly earnings has increased 55.85% since last year from $3.60M to $5.61M, signaling increasing performance

AmeriServ Financial, Inc.'s yearly revenue has increased 4.57% since last year from $84.48M to $88.34M, signaling increasing performance

ROIC 15.13% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

AmeriServ Financial, Inc.'s 3-year revenue CAGR of 10.35% is positive, indicating growing revenue over the past 3 years

AmeriServ Financial, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

AmeriServ Financial, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

AmeriServ Financial, Inc. has insufficient data to evaluate this check.

AmeriServ Financial, Inc. has an earnings yield of 10.73%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

AmeriServ Financial, Inc. is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

AmeriServ Financial, Inc. has an EV/EBITDA ratio of 9.64x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

AmeriServ Financial, Inc. is undervalued relative to its fair value price of 7.49 based on Base Earnings Fair Value model

AmeriServ Financial, Inc. has a PEG-ratio over 1 which is considered overvalued

AmeriServ Financial, Inc. has a price-to-book ratio of 0.65x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

AmeriServ Financial, Inc. has a price-to-sales ratio of 0.89x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue