Is AMERISERV FINANCIAL INC /PA/ (ASRV) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 13.2% | |
| Net Margin | 10.2% | |
| Return on Equity (ROE) | 5.0% | |
| Return on Assets (ROA) | 0.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $3M |
| Free Cash Flow | $976,000 |
| Total Debt | $102M |
| Total Assets | $1.4B |
Price & Trading
| Last Close | $3.63 |
| 50-Day MA | $3.60 |
| 200-Day MA | $3.18 |
| Avg Volume | 17K |
| Beta | 0.4 |
|
52-Week Range
$2.03
| |
About AMERISERV FINANCIAL INC /PA/ (ASRV)
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.
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Frequently Asked Questions
Is AMERISERV FINANCIAL INC /PA/ (ASRV) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), AMERISERV FINANCIAL INC /PA/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is AMERISERV FINANCIAL INC /PA/'s debt ratio?
AMERISERV FINANCIAL INC /PA/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are AMERISERV FINANCIAL INC /PA/'s key financial metrics?
AMERISERV FINANCIAL INC /PA/ has a market capitalization of $61M, trailing P/E ratio of 10.6, and revenue of $54M. Return on equity stands at 5.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.