Ameriserv Financial (ASRV)
NASDAQ:ASRV
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$2.03 - $3.93
Previous CloseN/A
Volume338.00
Average Volume (3M)35.78K
Market Cap
$61.24M
Enterprise Value$127.39M
Total Cash (Recent Filing)$53.04M
Total Debt (Recent Filing)$80.67M
Price to Earnings (P/E)9.4
Beta0.29
Next Earnings
Apr 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.87%
Share Statistics
EPS (TTM)0.09
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 Cap2.08
Enterprise Value/Revenue1.44
Enterprise Value/Gross Profit2.31
Enterprise Value/Ebitda15.23
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
Earnings Turnaround & Revenue AccelerationSustained revenue growth and the 2025 earnings rebound indicate the bank has regained core profitability after 2023 losses. This improves internal capital generation, supports loan growth and dividend capacity, and reduces reliance on external funding over the medium term.
Improved Balance-sheet Leverage & CapitalMeaningfully lower leverage and a positive ROE enhance financial resilience and regulatory flexibility. A stronger capital base reduces sensitivity to credit or interest-rate shocks and supports measured balance-sheet expansion or loss-absorbing capacity over the coming months.
Strategic SBV Partnership And Wealth-management ScalingA long-term consulting pact plus a nearly 10% strategic stake aligns an active investor with management to scale fee-based wealth and fiduciary services. This should durably diversify noninterest income and accelerate higher-margin, stickier revenue streams if execution follows the plan.
Bears Say
Volatile Cash Flow & Inconsistent Free Cash FlowIntermittent free-cash-flow performance undermines predictable capital allocation. Volatility in FCF complicates funding for organic growth, dividends, and loan loss absorption, leaving the bank more exposed to earnings swings and limiting longer-term strategic flexibility.
Modest Profitability And Moderate ReturnsAlthough profitability improved, margins and ROE remain modest, constraining the firm's ability to generate excess capital for reinvestment. Moderate returns limit competitive reinvestment and reduce the buffer against future credit stress or higher operating costs.
CFO Retirement And Finance Leadership Transition RiskThe departure of a longstanding CFO creates execution and continuity risk within finance, reporting and capital planning. A prolonged search or weaker successor could slow strategic initiatives, disrupt investor relations, or impair timely financial controls during a sensitive rebuilding phase.
Ameriserv Financial News
ASRV FAQ
What was Ameriserv Financial’s price range in the past 12 months?
Ameriserv Financial lowest stock price was $2.03 and its highest was $3.93 in the past 12 months.
What is Ameriserv Financial’s market cap?
Ameriserv Financial’s market cap is $61.24M.
When is Ameriserv Financial’s upcoming earnings report date?
Ameriserv Financial’s upcoming earnings report date is Apr 21, 2026 which is in 19 days.
How were Ameriserv Financial’s earnings last quarter?
Ameriserv Financial released its earnings results on Jan 20, 2026. The company reported $0.087 earnings per share for the quarter, beating the consensus estimate of N/A by $0.087.
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 $0.087 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.
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
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.11%
12-Months-Change
Fundamentals
Return on Equity
4.93%
Trailing 12-Months
Asset Growth
2.21%
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
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Ownership Overview
7.51% Insiders
11.08% Mutual Funds
21.86% Other Institutional Investors
54.04% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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