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 0.22, 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 0.22 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 has increased (123.15%) in the last year from 4.26% to 9.51%, 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 2.36%, 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 0.58% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

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 9.73%, 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 EBITDA multiple model

AmeriServ Financial, Inc. has an EV/EBITDA ratio of 10.55x, 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 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 0.71x, 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 0.98x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue