Education
About Us
Working with TipRanks
Follow Us
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 - $3.88
Previous CloseN/A
Volume338.00
Average Volume (3M)35.78K
Market Cap
$57.99M
Enterprise Value$124.14M
Total Cash (Recent Filing)$53.04M
Total Debt (Recent Filing)$80.67M
Price to Earnings (P/E)10.3
Beta0.26
Next Earnings
Apr 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.87%
Share Statistics
EPS (TTM)0.09
Shares Outstanding16,522,266
10 Day Avg. Volume26,763
30 Day Avg. Volume35,777
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.46
Price to Sales (P/S)0.60
P/FCF Ratio0.00
Enterprise Value/Market Cap2.14
Enterprise Value/Revenue1.41
Enterprise Value/Gross Profit2.25
Enterprise Value/Ebitda14.84
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
Strengthened Cash GenerationSustained positive operating and free cash flow supports durable capital allocation: it funds dividends, debt reduction, and strategic investments without relying on equity or volatile funding. Strong FCF conversion (~81% of net income) enhances resilience versus cyclical earnings swings.
Lower Financial LeverageMaterial deleveraging reduces balance-sheet risk, increases capital flexibility and lending capacity, and lowers default exposure in downturns. A stronger equity base improves regulatory and funding headroom, enabling steadier growth and more conservative credit deployment over time.
Deepened Strategic Partnership With SB ValueAn expanded, long-dated advisory deal plus near-10% ownership aligns an engaged investor with management, bringing operational expertise and governance support. This structural backing can accelerate scaling of wealth management and performance improvements across multi-year transformation efforts.
Bears Say
Low Return On EquityVery modest ROE and thin margins limit internal capital generation and impair the bank's ability to compound shareholder value. Persistently low returns constrain reinvestment, dividend growth, and capacity to fund strategic initiatives without external capital over the medium term.
Earnings And Cash-flow VolatilityMaterial year-to-year swings in profitability and cash flow make forecasting and strategic planning harder, increasing funding and execution risk. This inconsistency can pressure capital cushions, complicate credit underwriting, and reduce confidence in sustained performance improvements.
Concentration In Net Interest IncomeHigh reliance on net interest income makes earnings heavily sensitive to NIM shifts, loan mix, and credit costs. Limited diversification into fee-based or non-interest businesses increases exposure to rate cycles and credit stress, potentially amplifying earnings volatility over the medium term.
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 $3.88 in the past 12 months.
What is Ameriserv Financial’s market cap?
Ameriserv Financial’s market cap is $57.99M.
When is Ameriserv Financial’s upcoming earnings report date?
Ameriserv Financial’s upcoming earnings report date is Apr 21, 2026 which is in 63 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 16,522,266 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
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
4.54%
Trailing 12-Months
Asset Growth
4.01%
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
7.68% Insiders
11.18% Mutual Funds
1.26% Other Institutional Investors
74.22% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---