Ameriserv Financial (ASRV)
NASDAQ:ASRV
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Ameriserv Financial
(NASDAQ:ASRV)
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Rating:65Neutral
Price Target:
$4.00
▲(26.58% Upside)
Action:ReiteratedDate:04/22/26
The score is driven primarily by an improving but still volatile financial profile (earnings recovery and better leverage, tempered by inconsistent cash flows), supported by constructive technical momentum and a low P/E valuation. A recent corporate update showing modest earnings decline and higher credit provisioning offsets some of the positives despite improved net interest margin and a continued dividend.
Positive Factors
Improved leverage and capital base
A materially lower debt-to-equity (~0.68 in 2025) and higher equity versus 2023–2024 provide greater balance-sheet resilience. This reduces sensitivity to credit losses and rate shocks, supports lending capacity and capital allocation for dividends or growth over the medium term.
Negative Factors
Volatile free cash flow
Inconsistent operating and free cash flow history—including negative periods and sharp year-to-year swings—reduces predictability of internal funding for lending, dividends, and reserves. Persistent volatility weakens the bank's ability to absorb shocks and execute long-term plans.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and capital base
A materially lower debt-to-equity (~0.68 in 2025) and higher equity versus 2023–2024 provide greater balance-sheet resilience. This reduces sensitivity to credit losses and rate shocks, supports lending capacity and capital allocation for dividends or growth over the medium term.
Read all positive factors
Ameriserv Financial (ASRV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$66.67M
Dividend Yield3.87%
Average Volume (3M)35.78K
Price to Earnings (P/E)8.5
Beta (1Y)0.41
Revenue Growth6.89%
EPS GrowthN/A
CountryUS
Employees298
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.11
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 Cap1.90
Enterprise Value/Revenue1.43
Enterprise Value/Gross Profit2.30
Enterprise Value/Ebitda15.16
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
Ameriserv Financial Business Overview & Revenue Model
Company Description
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;...
How the Company Makes Money
AmeriServ Financial primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest income on earning assets—mainly commercial and consumer loans (including commercia...
Ameriserv Financial Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
62
Positive
Cash Flow
48
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 88.34M | 84.48M | 77.25M | 65.75M | 64.43M |
| Gross Profit | 55.13M | 53.14M | 44.98M | 57.20M | 55.74M |
| EBITDA | 6.80M | 6.48M | -2.31M | 11.30M | 10.81M |
| Net Income | 5.61M | 3.60M | -3.35M | 7.45M | 7.07M |
Balance Sheet | |||||
| Total Assets | 1.45B | 1.42B | 1.39B | 1.36B | 1.34B |
| Cash, Cash Equivalents and Short-Term Investments | 53.04M | 173.37M | 179.74M | 202.47M | 204.27M |
| Total Debt | 75.31M | 101.69M | 115.56M | 138.37M | 72.84M |
| Total Liabilities | 1.34B | 1.32B | 1.29B | 1.26B | 1.22B |
| Stockholders Equity | 119.31M | 107.25M | 102.28M | 106.18M | 116.55M |
Cash Flow | |||||
| Free Cash Flow | 2.06M | 976.00K | 4.91M | 3.13M | 8.70M |
| Operating Cash Flow | 3.19M | 2.69M | 6.29M | 5.21M | 9.94M |
| Investing Cash Flow | 11.07M | -23.10M | -39.99M | -56.28M | -488.00K |
| Financing Cash Flow | 18.89M | 24.13M | 24.77M | 32.93M | 146.00K |
Ameriserv Financial Technical Analysis
Positive
3.16
Price Trends
3.72
Positive
3.44
Positive
3.20
Positive
Market Momentum
0.07
Negative
62.17
Neutral
92.42
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ASRV, the sentiment is Positive. The current price of 3.16 is below the 20-day moving average (MA) of 3.71, below the 50-day MA of 3.72, and below the 200-day MA of 3.20, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 62.17 is Neutral, neither overbought nor oversold. The STOCH value of 92.42 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ASRV.
Ameriserv Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $58.73M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
79 Outperform | $66.06M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $66.67M | 8.54 | 4.93% | 3.87% | 6.89% | ― | |
64 Neutral | $48.71M | 17.24 | 5.34% | 1.10% | 12.12% | ― |
* Financial Sector Average
ASRV
Ameriserv Financial
3.89
1.61
70.46%
HFBL
Home Federal Bancorp Of Louisiana
18.77
5.91
45.93%
OPHC
Optimumbank Holdings
5.52
1.25
29.27%
FSEA
First Seacoast Bancorp
11.22
-0.05
-0.44%
TCBS
Texas Community
16.91
1.78
11.76%
Ameriserv Financial Corporate Events
DividendsFinancial Disclosures
AmeriServ Financial Reports Lower Q1 Earnings, Declares Dividend
Negative
Apr 21, 2026
On April 21, 2026, AmeriServ Financial, Inc. reported first-quarter 2026 net income of $1.79 million, or $0.11 per diluted share, down from $1.91 million, or $0.12 per diluted share, a year earlier, reflecting a 6% earnings decline. The board also...
Executive/Board ChangesRegulatory Filings and Compliance
AmeriServ Financial Announces CFO Retirement and Succession Search
Neutral
Mar 4, 2026
AmeriServ Financial, Inc. announced that longtime Executive Vice President and Chief Financial Officer Michael D. Lynch, who has served the company for more than 40 years, plans to retire effective May 18, 2026. The company has begun a search for ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.