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AmeriServ Financial, Inc. ASRV FINANCIAL

Financial Services · Banks - Regional · United States
https://www.ameriserv.com
Company Profile ↓
$4.65
+65.19% 1Y
Mkt Cap$78.95M
P/E9.12
P/B0.65
Div. Yield2.56%
52W High$5.24
52W Low$2.74
Book Value$7.25
EPS (TTM)$0.51

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 9.1, below the sector median of 12.9.

Healthy Margins

Operating margin of 22.2% supports profitability.

Dividend Income

Offers a dividend yield of 2.56%.

Recent Developments

  • Dec 2025 Revenue of $14.63M (-6.3% YoY); net profit $5.61M.
  • Trailing 12 Months Year-on-year growth — revenue +42.6%, earnings +55.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 1.9%, profit CAGR 4.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:1.93%
1 Year:42.60%

Compounded Profit Growth

5 Years:4.07%
1 Year:55.85%

Stock Price Performance

1 Year:+65.19%
6 Months:+29.22%
3 Months:+27.20%
1 Month:-5.49%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 76% of range
$2.74 $5.24
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)46.11 · Neutral
Price Performance
1M-5.49%
3M+27.20%
6M+29.22%
1Y+65.19%
Valuation vs Sector

P/E of 9.12 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 2.56%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.12
Industry PE
12.89
Forward P/E est.
5.85
PEG Ratio
0.95
Book Value
$7.25
Price to Book
0.65
P/S
1.32
EV/EBITDA
-
Dividend Yield
2.56%

Growth (CAGR)

Revenue 5Y
1.93%
Profit 5Y
4.07%
Revenue (YoY)
42.60%
Earnings (YoY)
55.85%

Profitability & Returns

ROCE
-
ROE
7.28%
ROA
0.58%
Profit Margin
14.10%
Op Margin
22.20%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.11
EPS (TTM)
$0.51

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$69.92M
Total Assets
$1.47B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
26.67%
Chg in Prom Hold
0.01%
FII / Inst Holding
39.62%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
$78.95M
Total Revenue (TTM)
$60.40M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$1.89M
Shares Outstanding
16.98M
Gross Margin
0.00%
Payout Ratio
23.53%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ASRV AmeriServ Financial, Inc. FINANCIAL 4.65 9.12 $78.95M 2.56% - 7.28% 1.93% 4.07%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ------------3.17M3.22M-3.23M3.04M3.29M-3.51M3.77M3.94M-3.91M3.75M3.64M-3.48M3.58M3.71M-4.06M3.87M3.88M-3.47M3.60M3.66M-3.61M
Net Income 1.36M1.06M1.15M1.35M1.39M1.55M-995.00K1.77M1.74M2.33M1.93M1.88M1.79M1.69M669.00K1.41M1.42M1.08M692.00K2.08M1.71M1.43M1.85M2.42M1.98M2.10M947.00K1.51M-187.00K647.00K-5.32M1.90M-375.00K1.18M889.00K1.91M-282.00K2.54M1.44M1.79M
Diluted EPS 0.070.060.060.070.070.08-0.050.100.100.130.110.110.100.100.040.080.080.060.040.120.100.080.110.140.120.120.060.09-0.010.04-0.310.11-0.020.070.050.12-0.020.150.090.11

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------12.80M12.76M12.82M14.97M14.74M14.49M15.62M14.63M
Net Income -4.89M1.28M6.54M5.04M5.19M3.02M6.00M2.31M3.29M7.77M6.03M4.60M7.07M7.45M-3.35M3.60M5.61M
Diluted EPS -0.290.010.240.210.260.150.310.120.180.430.350.270.410.43-0.200.210.34

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --948.97M979.08M1.00B1.06B1.09B1.15B1.15B1.17B1.16B1.17B1.28B1.34B1.36B1.39B1.42B1.45B
Total Equity -107.25M107.06M112.35M110.47M113.31M114.41M118.97M95.39M95.10M97.98M98.61M104.40M116.55M106.18M102.28M107.25M119.31M
Cash & Equivalents 35.12M26.31M19.34M34.78M26.82M30.07M32.87M48.51M34.07M34.19M34.89M22.17M31.50M41.10M22.96M14.03M--
Total Liabilities --841.92M866.72M890.52M942.73M974.86M1.03B1.06B1.07B1.06B1.07B1.18B1.22B1.26B1.29B1.32B1.33B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -1.61M2.73M10.79M3.21M9.83M6.59M7.52M7.98M4.89M-1.37M9.94M5.21M6.29M2.69M3.19M
Investing Cash Flow -13.66M12.35M-14.07M-32.15M-49.85M-25.18M-20.23M2.69M-13.02M-95.32M-488.00K-56.28M-39.99M-23.10M11.07M
Financing Cash Flow 6.46M-22.05M18.73M20.98M55.66M4.15M12.82M-9.97M-4.59M106.03M146.00K32.93M24.77M24.13M18.89M
Share Buybacks --582.00K4.42M---------1.51M-

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------60.7%47.2%35.9%47.2%50.5%-23.1%23.1%38.3%
ROE % -4.6%1.2%5.8%4.6%4.6%2.6%5.0%2.4%3.5%7.9%6.1%4.4%6.1%7.0%-3.3%3.4%4.7%
ROCE % -----------------

Shareholding Pattern

Insiders
26.67%
Institutions
39.62%
Public Float
54.03%

Top Institutional Holders

#Holder% HeldSharesValue
1 Gendell, Jeffrey L. 9.63% 1.64M $7.83M
2 Dimensional Fund Advisors LP 6.80% 1.16M $5.53M
3 AmeriServ Wealth Advisors 5.24% 889.46K $4.26M
4 Vanguard Capital Management LLC 3.89% 660.58K $3.16M
5 Renaissance Technologies, LLC 3.16% 535.77K $2.57M
6 Oppenheimer & Close, LLC 2.15% 364.42K $1.75M
7 Ewa, LLC 1.46% 247.49K $1.19M
8 Bridgeway Capital Management, LLC 1.22% 206.63K $989.75K
9 Blackrock Inc. 0.89% 151.26K $724.54K
10 Geode Capital Management, LLC 0.84% 142.34K $681.80K

Analyst View

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Latest News

Recent headlines for ASRV

Google News ue, 08 Sep 2026

Trading the Move, Not the Narrative: (ASRV) Edition - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMiyAFBVV95cUxOTlF2dHBOQmRobkp3SjJ5THE4VGN2SklzaWJCc01ja1pGNm5lXzdiU2l4OEFFYy10aTR1UE83SVNwOG9CdlRyMEFKbEMzcUJPcVdKdDB3aE41UVg0ZUR0TVVaT2x4bVRjR2hXSEhMd01VRHZ2bkxlYm9jcExCRG9wMGZIcm5NdndLWUQ3eH…

Google News Mon, 24 Aug 2026

AmeriServ (NASDAQ: ASRV) director lifts stake to 65,714 shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMivAFBVV95cUxPSnhHNmZRSWx1N0Fjc2pnTDBRdUwzVDMxT0RvSGFaMno3ZFc2OU9GUTBLVktyTWdpci1JRklhN1liTkpGa25pLTVEcFBGVHRiQ2d2ZEdxb0JiT0doSm1HZzk1emV6MUtjVDlKS1RZSmluSUd5TjNEdGpTZkxFaHhfRDA4NlhqM20xX3p2TX…

Google News ue, 21 Jul 2026

AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE SECOND QUARTER AND FIRST SIX MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND - PR Newswire

<a href="https://news.google.com/rss/articles/CBMirgJBVV95cUxQdFFuZENnTmhKZlhBeEN2RmtvZTNkVW9aNElHelFLYU5KaW9mQ0tXakRReHRka2FJbzVXQzN2TzdVRWlBaHlKTDN3c0pEVF9GbjJYQlItZXBoRHN5emVGU3NXZ0JaODVxTERCT1pKVk5JXzk1ZklfSHMwTXpua3BFSmlMaUNQMHd4OGtZRU…

Google News Mon, 24 Aug 2026

AmeriServ Financial (ASRV) director reinvests dividends into 1,048 shares - Stock Titan

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Google News ue, 09 Jun 2026

ASRV | AmeriServ Financial Inc Executive Compensation - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMib0FVX3lxTFA0YUtEWFNrOFVtNlNwZVg3UVYwVWliY196NTZrbVBaa3ZRdEc3b2pTQ19sZnp3cHpSMVFHcDlVRVRSd0EwNF9VbGM4N0FYZHZGVmZBN2FMS3kteUV3dld3dExKNnBvSVg4RjhpMnRTaw?oc=5" target="_blank">ASRV | AmeriServ …

Google News Fri, 24 Jul 2026

Discover July 2026's Top Penny Stocks - simplywall.st

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ASRV — Frequently Asked Questions

What is the current share price of AmeriServ Financial, Inc. (ASRV)?

As of 2026-09-19 21:16 PDT, AmeriServ Financial, Inc. (ASRV) trades at $4.65 on NasdaqGM. Its 52-week range is $2.74 to $5.24.

What is the market capitalisation of ASRV?

AmeriServ Financial, Inc. (ASRV) has a market capitalisation of $78.95M on NasdaqGM.

What is the P/E ratio of ASRV?

ASRV trades at a trailing price-to-earnings (P/E) ratio of 9.12. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.65.

Does ASRV pay a dividend?

AmeriServ Financial, Inc. (ASRV) currently offers a dividend yield of 2.56%.

What is the return on equity (ROE) of ASRV?

ASRV has a return on equity (ROE) of 7.28%.

Is ASRV a good stock to buy?

This page provides a data-driven analysis of AmeriServ Financial, Inc. (ASRV), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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