Ameriserv Financial (ASRV)
NASDAQ:ASRV
Want to see ASRV full AI Analyst Report?
ASRV Stock Chart & Stats
$3.16
-$0.02(-0.72%)
At close: 4:00 PM EST
$3.16
-$0.02(-0.72%)
Day’s Range― - ―
52-Week Range$2.64 - $4.04
Previous CloseN/A
Volume338.00
Average Volume (3M)35.78K
Market Cap
$63.45M
Enterprise Value$121.21M
Total Cash (Recent Filing)$13.06M
Total Debt (Recent Filing)$71.50M
Price to Earnings (P/E)11.5
Beta0.33
Next Earnings
Jul 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.87%
Share Statistics
EPS (TTM)0.33
Shares Outstanding16,964,268
10 Day Avg. Volume26,763
30 Day Avg. Volume35,777
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.44
Price to Sales (P/S)0.60
P/FCF Ratio25.54
Enterprise Value/Market Cap1.91
Enterprise Value/Revenue1.37
Enterprise Value/Gross Profit2.18
Enterprise Value/Ebitda15.80
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improved Leverage & Balance SheetReported step-down in debt relative to equity and stabilizing equity restores capital flexibility. Lower leverage reduces interest burden and regulatory strain, enabling steadier lending capacity and supporting dividend policy and strategic investment over the next several quarters.
Revenue Momentum & Earnings RecoveryConsistent revenue growth with TTM acceleration and a return to positive operating profit shows the franchise can rebuild earnings after 2023 losses. Durable top-line momentum across loans, securities yields, and fee businesses underpins sustainable profitability improvement.
Management Restructuring & Cost EfficiencyReassigning finance, risk, and investment duties to existing senior leaders preserves institutional knowledge and reduces hiring risk. CEO's interim CFO role plus internal promotions signal tighter cost control and operational efficiency that can sustainably lower expenses.
Bears Say
Negative TTM Cash FlowTrailing-twelve-month negative operating and free cash flow weakens internal funding for loan growth, dividends, and capital needs. Persistent cash conversion issues increase reliance on external funding and constrain balance-sheet flexibility over coming quarters.
Margin VolatilityHistoric swings in net and operating margins show earnings remain sensitive to rate moves, loan mix, and fee income. Continued margin volatility complicates forecasting and could limit durable margin expansion unless structural drivers stabilize.
Rising Expenses & Credit ProvisioningRecent quarter shows core NII gains were offset by rising operating costs and a swing to provisioning. Persistent noninterest expense pressure and variability in credit costs can erode net income even if NII improves, pressuring sustainable profitability.
Ameriserv Financial News
ASRV FAQ
What was Ameriserv Financial’s price range in the past 12 months?
Ameriserv Financial lowest stock price was $2.64 and its highest was $4.04 in the past 12 months.
What is Ameriserv Financial’s market cap?
Ameriserv Financial’s market cap is $63.45M.
When is Ameriserv Financial’s upcoming earnings report date?
Ameriserv Financial’s upcoming earnings report date is Jul 21, 2026 which is in 43 days.
How were Ameriserv Financial’s earnings last quarter?
Ameriserv Financial released its earnings results on Apr 21, 2026. The company reported $0.106 earnings per share for the quarter, beating the consensus estimate of N/A by $0.106.
Is Ameriserv Financial overvalued?
According to Wall Street analysts Ameriserv Financial’s price is currently Overvalued.
Does Ameriserv Financial pay dividends?
Ameriserv Financial pays a Quarterly dividend of $0.03 which represents an annual dividend yield of 3.87%. See more information on Ameriserv Financial dividends here
What is Ameriserv Financial’s EPS estimate?
Ameriserv Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ameriserv Financial have?
Ameriserv Financial has 16,964,268 shares outstanding.
What happened to Ameriserv Financial’s price movement after its last earnings report?
Ameriserv Financial reported an EPS of $0.106 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.777%.
Which hedge fund is a major shareholder of Ameriserv Financial?
Currently, no hedge funds are holding shares in ASRV
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ameriserv Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.11%
12-Months-Change
Fundamentals
Return on Equity
4.72%
Trailing 12-Months
Asset Growth
2.87%
Trailing 12-Months
Company Description
Ameriserv Financial
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as 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. The company 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, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including 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 insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
Technical Analysis
Home Federal Bancorp Of Louisiana
―
Optimumbank Holdings
―
First Seacoast Bancorp
―
Texas Community
―
―
Ownership Overview
7.87% Insiders
11.14% Mutual Funds
21.72% Other Institutional Investors
53.10% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---