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ASRV Stock Chart & Stats
$4.34
-$0.15(-3.46%)
At close: 4:00 PM EDT
$4.34
-$0.15(-3.46%)
Day’s Range― - ―
52-Week Range$2.80 - $5.19
Previous Close$4.17
Volume35.96K
Average Volume (3M)35.78K
Market Cap
$84.99M
Enterprise Value$128.81
Total Cash (Recent Filing)$13.86M
Total Debt (Recent Filing)$26.79M
Price to Earnings (P/E)9.9
Beta0.31
Next Earnings
Oct 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)0.51
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 Balance SheetMaterially reduced leverage and stable-to-rising equity improve solvency and regulatory capital. Stronger capital cushions credit losses, enables sustained lending and dividend support, and increases flexibility for strategic investments without immediate external funding.
Earnings Rebound & NII RecoveryA rebound in net income driven by NIM expansion and higher net interest income suggests restoration of core spread economics. Sustained NII growth and stabilizing deposit costs underpin recurring earnings power, supporting loan capacity and long-term profitability improvement.
Conservative Credit PostureLow NPLs and high allowance coverage reflect disciplined underwriting and proactive reserving. This reduces earnings volatility from credit cycles, preserves capital through downturns, and supports steady loan originations and trust/wealth client confidence.
Bears Say
Weak Cash GenerationNegative TTM operating and free cash flow signals weakened cash conversion despite prior annual positives. Inconsistent FCF raises reliance on external funding, limits internally funded growth or capital returns, and constrains strategic flexibility over the medium term.
Margin VolatilityHistoric swings in profitability show sensitivity to rate moves, loan mix and securities positioning. Persistent margin volatility complicates earnings visibility, may force conservative capital planning, and can limit consistent reinvestment into growth initiatives.
Finance Leadership Transition RiskRetirement of a long-serving CFO/CRO/CIO and reassignment of duties increases execution and oversight risk. Redistributing responsibilities and CEO taking CFO duties could strain controls, succession depth, and independent financial oversight 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 $2.80 and its highest was $5.19 in the past 12 months.
What is Ameriserv Financial’s market cap?
Ameriserv Financial’s market cap is $84.99M.
When is Ameriserv Financial’s upcoming earnings report date?
Ameriserv Financial’s upcoming earnings report date is Oct 20, 2026 which is in 66 days.
How were Ameriserv Financial’s earnings last quarter?
Ameriserv Financial released its earnings results on Jul 21, 2026. The company reported $0.161 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 2.4%. 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 $0.161 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 1.561%.
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
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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
2.40%
Trailing 12-Months
Asset Growth
0.81%
Trailing 12-Months
Company Description
Ameriserv Financial
AmeriServ Financial, Inc. operates as the holding company for AmeriServ Financial Bank, providing a broad spectrum of financial products to individual consumers, mortgage borrowers, and commercial clients. Its retail banking services encompass various deposit accounts, including checking, money market, savings, and time deposits. The bank also offers personal lending solutions such as secured and unsecured consumer loans, mortgage financing, and ancillary services like safe deposit boxes, holiday club accounts, and money orders. For its commercial, industrial, financial, and governmental customers, AmeriServ delivers extensive lending and treasury services. These include commercial real estate and construction loans, short and medium-term financing, revolving credit lines, and funding for inventory and accounts receivable. Additionally, it provides business savings accounts, certificates of deposit, wire transfers, and secure depository options like night drops and lockbox services. The company's trust department offers personal trust services, covering investment portfolio management, estate planning and administration, custodial services, and pre-need trusts. Institutional trust offerings include the management of 401(k)s, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. AmeriServ also provides financial advisory services through the sale of mutual funds, annuities, and insurance products. A notable offering is its union collective investment funds, which channel union pension capital into construction projects employing union labor. The firm also engages in underwriting credit life and disability insurance as a reinsurer. AmeriServ Financial operates through a network of 17 banking branches located in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties in Pennsylvania, as well as Washington County, Maryland, complemented by 18 automated teller machines. The company maintains its corporate headquarters in Johnstown, Pennsylvania.
Technical Analysis
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Ownership Overview
7.87% Insiders
11.14% Mutual Funds
20.33% Other Institutional Investors
54.26% Public Companies and
Individual Investors