AmeriServ Financial (ASRV) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), AmeriServ Financial had a P/E ratio of 9.39 (down from 12.29), return on equity of 5.0% (up from 3.4%), debt-to-equity of 0.65 (down from 0.99) and return on assets of 0.4% (up from 0.3%). Its dividend yield was 3.85% with a payout ratio of 35.3%.

AmeriServ Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.39	12.29	-	9.05	9.32	11.61
P/S Ratio	0.96	0.83	1.23	1.18	1.18	1.06
P/B Ratio	0.44	0.41	0.54	0.64	0.57	0.51
Price/Tangible Book	0.50	0.47	0.63	0.73	0.64	0.58
Price/FCF	25.55	45.36	11.30	21.55	7.58	-
Price/OCF	16.54	16.48	8.82	12.95	6.63	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	4.95%	3.44%	-3.21%	6.69%	6.40%	4.53%
Return on Assets (ROA)	0.39%	0.26%	-0.24%	0.55%	0.54%	0.38%
Leverage & Solvency Ratios
Debt/Equity	0.65	0.99	1.18	1.37	0.64	1.13
Debt/FCF	37.84	109.17	24.59	46.42	8.52	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.65%	8.13%	-6.03%	11.05%	10.73%	8.61%
FCF Yield	3.91%	2.21%	8.85%	4.64%	13.19%	-5.05%
Dividend Yield	3.85%	4.79%	4.15%	3.40%	3.10%	3.83%
Payout Ratio	35.32%	56.10%	-	26.41%	24.15%	37.32%
Buyback Yield	1.62%	2.00%	0.01%	-0.19%	-0.30%	2.16%
Total Return	5.47%	6.78%	4.16%	3.21%	2.80%	5.99%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About AmeriServ Financial Financial Ratios

What is AmeriServ Financial's P/E ratio?

AmeriServ Financial's P/E ratio was 9.39 for fiscal 2025 (period ended Dec 31, 2025). It was 12.29 a year earlier.

What is AmeriServ Financial's return on equity?

AmeriServ Financial's return on equity (ROE) was 5.0% for fiscal 2025 (period ended Dec 31, 2025). It was 3.4% a year earlier.

What is AmeriServ Financial's debt-to-equity ratio?

AmeriServ Financial's debt-to-equity ratio was 0.65 for fiscal 2025 (period ended Dec 31, 2025). It was 0.99 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition