Ameriserv Financial Inc /Pa/ Ratios

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Ratios Dec2009 Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
EBT Margin -17.14%2.94%20.48%15.44%15.39%9.55%16.47%6.58%17.29%73.79%59.56%45.32%58.62%62.43%-30.28%28.16%
EBIT Margin 15.26%29.91%41.59%31.80%28.73%22.78%29.35%22.44%5.88%15.49%12.51%9.52%12.31%13.11%-6.35%5.92%
Operating Margin 5.88%15.49%12.51%9.52%12.31%13.11%-6.35%5.92%
Net Margin -13.06%0.26%11.24%8.93%10.25%5.82%11.43%4.71%6.56%60.69%47.24%35.86%47.25%50.54%-23.09%22.83%
FCF Margin -6.26%-0.07%19.91%1.20%24.38%6.70%17.68%10.69%9.59%45.63%16.21%-21.04%58.11%21.23%33.86%6.25%
Efficiency
Assets Average 1,165.93M1,226.96M1,309.15M1,349.72M1,376.76M1,406.00M
Equity Average 98.30M101.51M110.47M131.39M124.25M104.76M
Invested Capital 206.15M199.19M104.55M189.39M284.60M217.83M208.94M
Asset Utilization Ratio 0.010.010.010.010.010.01
Leverage & Solvency
Interest Coverage Ratio 0.471.111.971.942.151.722.281.410.340.170.110.120.240.23-0.040.03
Debt to Equity 0.900.770.860.370.790.840.66
Debt Ratio 0.080.060.070.030.080.060.05
Equity Ratio 0.080.080.080.090.110.070.08
Times Interest Earned 0.471.111.971.942.151.722.281.410.340.170.110.120.240.23-0.040.03
Dividends & Payouts
FCF Payout Ratio -0.33-32.810.121.470.050.230.080.180.230.230.79-0.640.200.630.422.07
Valuation
Enterprise Value 32.47M46.23M41.36M57.96M56.92M58.83M60.39M69.94M75.84M32.44M46.04M13.40M19.42M37.48M36.86M21.87M
Market Capitalization 75.84M71.52M71.98M53.39M65.93M67.43M55.47M44.27M
Return Ratios
Return on Sales -0.11%0.03%0.14%0.11%0.11%0.06%0.12%0.05%0.07%0.61%0.47%0.36%0.47%0.51%-0.23%0.23%
Return on Invested Capital 0.01%0.01%0.01%0.01%0.00%0.00%
Return on Assets 0.01%0.00%0.01%0.01%0.00%0.00%
Return on Equity 0.06%0.05%0.06%0.06%-0.03%0.03%