AmeriServ Financial (AmeriServ Financial) Scaled Net Operating Assets : 0.04 (As of Mar. 2024)

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What is AmeriServ Financial Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AmeriServ Financial's operating assets for the quarter that ended in Mar. 2024 was $1,201.62 Mil. AmeriServ Financial's operating liabilities for the quarter that ended in Mar. 2024 was $1,139.10 Mil. AmeriServ Financial's Total Assets for the quarter that ended in Dec. 2023 was $1,389.64 Mil. Therefore, AmeriServ Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2024 was 0.04.

AmeriServ Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AmeriServ Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(1375.611	-	1171.805)	/	1363.874
=	0.15

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	1389.638	-	14.027
=	1375.611

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	1287.361	-	74.605	-	40.951
=	1171.805

AmeriServ Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Mar. 2024 )
=	(Operating Assets (Q: Mar. 2024 )	-	Operating Liabilities (Q: Mar. 2024 ))	/	Total Assets (Q: Dec. 2023 )
=	(1201.619	-	1139.102)	/	1389.638
=	0.04

where

	Operating Assets		(Q: Mar. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	1384.516	-	182.897
=	1201.619

	Operating Liabilities		(Q: Mar. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	1280.583	-	80.623	-	60.858
=	1139.102

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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AmeriServ Financial (AmeriServ Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » AmeriServ Financial Inc (NAS:ASRV) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

N/A

Address

Main and Franklin Streets, P.O. Box 430, Johnstown, PA, USA, 15907-0430

Website

https://www.ameriserv.com

AmeriServ Financial Inc is a bank holding company. The company and its subsidiaries derive substantially all of their income from banking, bank-related services, and trust-related services. Its operating segment includes community banking; wealth management and investment/parent. The company generates maximum revenue from the community banking segment. The community banking segment includes both retail and commercial banking activities. Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, business services, and CRE loans.

Executives

Jeffrey A Stopko	officer: Senior Vice President and CFO
Richard W. Bloomingdale	director	C/O AMERISERV FINANCIAL, INC., 216 FRANKLIN STREET, JOHNSTOWN PA 15901
Kim W Kunkle	director
David J. Hickton	director	C/O AMERISERV FINANCIAL, INC., 216 FRANKLIN STREET, JOHNSTOWN PA 15901
James T Huerth	officer: EVP, Commercial Banking	102 S MAIN STREET, CULPEPER VA 22701
Amy Bradley	director	MAIN & FRANKLIN STREETS, P. O. BOX 430, JOHNSTOWN PA 15907
O Malley Margaret A	director
Daniel A. Onorato	director	MAIN & FRANKLIN STREETS, P.O. BOX 430, JOHNSTOWN PA 15907
Robert L Wise	director
Craig G Ford	director, officer: Chairman, President & CEO
Thomas C Slater	director
Young Gregor T Iv	officer: President & CEO of Trust Co.	C/O S&T BANCORP INC, P O BOX 190, INDIANA PA 15701
Duke Bruce E Iii	director
Michael D Lynch	officer: Interim SVP & CFO	216 FRANKLIN STREET, JOHNSTOWN PA 15901
Michael R. Baylor	officer: EVP & Regional President	216 FRANKLIN STREET, JOHNSTOWN PA 15901