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Ameriserv Financial
(NASDAQ:ASRV)
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Rating:73Outperform
Price Target:
$5.50
▲(26.73% Upside)
Action:Upgraded
Date:08/18/26
The score is driven primarily by improving fundamentals (profitability rebound and materially reduced leverage), tempered by weak cash-flow conversion and historical earnings volatility. Technicals add support via strong uptrend signals (price above key moving averages, positive MACD), while valuation is reasonable with a low P/E and moderate dividend yield. Corporate updates reinforce the operational turnaround and governance continuity.
Positive Factors
Earnings and margin recovery
The earnings rebound and wider net interest margin indicate improved core banking economics. If sustained through disciplined funding and asset-liability management, stronger spread income can support profitability over the next several quarters.
Negative Factors
Weak cash-flow conversion
Cash generation materially trails reported earnings, raising questions about earnings quality and the timing of working-capital movements. Persistently weak conversion could constrain capital allocation, lending capacity, and shareholder distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings and margin recovery
The earnings rebound and wider net interest margin indicate improved core banking economics. If sustained through disciplined funding and asset-liability management, stronger spread income can support profitability over the next several quarters.
Read all positive factors
Ameriserv Financial (ASRV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$85.24M
Dividend Yield2.39%
Average Volume (3M)35.78K
Price to Earnings (P/E)9.9
Beta (1Y)0.34
Revenue Growth4.91%
EPS Growth127.20%
CountryUS
Employees298
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.51
Shares Outstanding16,979,267
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
Ameriserv Financial Business Overview & Revenue Model
Company Description
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 var...
How the Company Makes Money
AmeriServ Financial primarily earns money through (1) net interest income and (2) noninterest income, with expenses (e.g., funding costs, credit losses, personnel, technology, and occupancy) reducing net earnings.
1) Net interest income (core ban...
Ameriserv Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.55M | 88.34M | 84.48M | 77.25M | 65.75M | 64.43M |
| Gross Profit | 60.40M | 55.13M | 53.14M | 44.98M | 57.20M | 55.74M |
| EBITDA | 11.97M | 8.89M | 6.48M | -2.31M | 11.30M | 10.81M |
| Net Income | 8.52M | 5.61M | 3.60M | -3.35M | 7.45M | 7.07M |
Balance Sheet | ||||||
| Total Assets | 1.46B | 1.45B | 1.42B | 1.39B | 1.36B | 1.34B |
| Cash, Cash Equivalents and Short-Term Investments | 13.86M | 68.99M | 173.37M | 179.74M | 202.47M | 204.27M |
| Total Debt | 66.72M | 75.31M | 101.69M | 115.56M | 138.37M | 72.84M |
| Total Liabilities | 1.34B | 1.33B | 1.32B | 1.29B | 1.26B | 1.22B |
| Stockholders Equity | 123.08M | 119.31M | 107.25M | 102.28M | 106.18M | 116.55M |
Cash Flow | ||||||
| Free Cash Flow | 908.00K | 2.06M | 976.00K | 4.91M | 3.13M | 8.70M |
| Operating Cash Flow | 1.89M | 3.19M | 2.69M | 6.29M | 5.21M | 9.94M |
| Investing Cash Flow | 485.00K | 11.07M | -23.10M | -39.99M | -56.28M | -488.00K |
| Financing Cash Flow | -788.00K | 18.89M | 24.13M | 24.77M | 32.93M | 146.00K |
Ameriserv Financial Technical Analysis
Positive
4.34
Price Trends
4.22
Positive
3.99
Positive
3.65
Positive
Market Momentum
0.25
Positive
62.74
Neutral
45.77
Neutral
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 4.34 is below the 20-day moving average (MA) of 4.79, above the 50-day MA of 4.22, and above the 200-day MA of 3.65, indicating a bullish trend. The MACD of 0.25 indicates Positive momentum. The RSI at 62.74 is Neutral, neither overbought nor oversold. The STOCH value of 45.77 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $117.39M | 5.38 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $79.45M | 12.45 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $85.24M | 9.90 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.27M | 14.58 | 5.66% | 1.30% | 5.94% | 51.02% |
* Financial Sector Average
ASRV
Ameriserv Financial
5.02
2.07
70.17%
HFBL
Home Federal Bancorp Of Louisiana
26.12
13.20
102.21%
OPHC
Optimumbank Holdings
9.30
4.91
111.85%
FSEA
First Seacoast Bancorp
17.09
5.57
48.35%
TCBS
Texas Community
17.50
1.77
11.27%
Ameriserv Financial Corporate Events
Executive/Board ChangesShareholder Meetings
AmeriServ Shareholders Reaffirm Board, Pay and Auditor
Positive
Jul 24, 2026
At its annual meeting of shareholders held on July 23, 2026, AmeriServ Financial, Inc. reported that investors elected three Class I directors—Richard W. Bloomingdale, David J. Hickton and Daniel A. Onorato—to serve on the board until ...
Business Operations and StrategyFinancial Disclosures
AmeriServ Financial Highlights Strengthened Earnings and Balance Sheet
Positive
Jul 23, 2026
On July 23, 2026, AmeriServ Financial, Inc. posted a new investor presentation outlining recent financial performance and balance sheet metrics, highlighting 2025 net income of $5.6 million and earnings per share of $0.34, alongside net interest i...
Business Operations and StrategyDividendsFinancial Disclosures
AmeriServ Financial Reports Record Quarterly Earnings Turnaround
Positive
Jul 21, 2026
On July 21, 2026, AmeriServ Financial reported a sharp turnaround in performance, posting second-quarter 2026 net income of $2.74 million, or $0.16 per diluted share, compared with a net loss of $0.28 million, or $0.02 per share, in the same perio...
Business Operations and StrategyExecutive/Board Changes
AmeriServ Restructures Finance Leadership After Executive Retirement
Positive
May 27, 2026
AmeriServ Financial announced that senior executive Michael Lynch retired on May 18, 2026, after serving as Executive Vice President and holding the roles of Chief Financial Officer, Chief Risk Officer, and Chief Investment Officer for the company...
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.