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Ameriserv Financial (ASRV)
NASDAQ:ASRV
US Market

Ameriserv Financial (ASRV) AI Stock Analysis

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Ameriserv Financial

(NASDAQ:ASRV)

Rating:75Outperform
Price Target:
$3.50
▲(17.85%Upside)
Ameriserv Financial's strong cash flow management and stable technical indicators are key strengths, supporting a favorable stock score. The balanced P/E ratio and dividend yield further enhance its attractiveness. However, caution is warranted due to moderate leverage and limited equity cushion, which could pose risks during economic downturns.

Ameriserv Financial (ASRV) vs. SPDR S&P 500 ETF (SPY)

Ameriserv Financial Business Overview & Revenue Model

Company DescriptionAmeriserv Financial, Inc. (ASRV) is a bank holding company headquartered in Johnstown, Pennsylvania. The company operates primarily through its subsidiary, Ameriserv Financial Bank, providing a range of financial services. It caters to both individual and commercial customers, offering products such as personal and business banking, loans, mortgages, and wealth management services. Besides traditional banking, the company also offers trust and investment services through its subsidiary, Ameriserv Trust and Financial Services Company.
How the Company Makes MoneyAmeriserv Financial makes money primarily through interest income generated from its loan and securities portfolios. It earns revenue by charging interest on loans provided to individual and commercial clients and investing in securities. Additionally, the bank generates non-interest income through fees associated with various banking services, such as account maintenance fees, transaction fees, and service charges. Wealth management and trust services also contribute to its earnings, offering financial planning, investment management, and fiduciary services to clients. The company benefits from strategic partnerships and its regional presence, which help to maintain a stable client base and drive revenue.

Ameriserv Financial Financial Statement Overview

Summary
Ameriserv Financial exhibits a mixed financial performance with strengths in revenue growth and improved leverage ratios. However, the company faces challenges with net income volatility and cash flow fluctuations. Stability in the balance sheet offers some confidence, but the lack of consistent profitability and cash flow generation warrants caution.
Income Statement
45
Neutral
The income statement shows mixed performance. Gross profit margin remains consistent at 100% due to the nature of the banking industry, where total revenue equals gross profit. However, net profit margin fluctuated significantly, with negative profitability in 2023 and improved figures in 2024. The revenue growth rate from 2023 to 2024 was strong at 47.83%, yet prior years showed volatility. The absence of EBIT and EBITDA margins in recent periods limits the assessment of operational efficiency.
Balance Sheet
55
Neutral
The balance sheet presents a stable financial structure with a debt-to-equity ratio that improved from 2023 to 2024, indicating reduced leverage risk. Return on equity has varied, but the 2024 figure is positive, suggesting profitability relative to equity. The equity ratio shows a slight increase, reflecting a stable asset base supported by equity.
Cash Flow
50
Neutral
Cash flow analysis reveals challenges with fluctuating free cash flow growth rates, with a decrease from 2023 to 2024. The operating cash flow to net income ratio is positive, indicating that operations are generating cash. The free cash flow to net income ratio was positive in 2024, showing the capacity to generate free cash flow but with less consistency in prior years.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue84.45M84.48M77.25M65.75M64.43M63.16M
Gross Profit53.04M53.14M44.98M57.20M55.74M50.27M
EBITDA6.50M6.48M-2.31M11.30M10.81M7.81M
Net Income3.60M3.60M-3.35M7.45M7.07M4.60M
Balance Sheet
Total Assets1.43B1.42B1.39B1.36B1.34B1.28B
Cash, Cash Equivalents and Short-Term Investments187.82M173.37M179.74M202.47M204.27M175.67M
Total Debt94.03M101.69M115.56M138.37M72.84M114.08M
Total Liabilities1.32B1.32B1.29B1.26B1.22B1.18B
Stockholders Equity110.76M107.25M102.28M106.18M116.55M104.40M
Cash Flow
Free Cash Flow4.37M976.00K4.91M3.13M8.70M-2.70M
Operating Cash Flow5.44M2.69M6.29M5.21M9.94M-1.37M
Investing Cash Flow-38.09M-23.10M-39.99M-56.28M-488.00K-95.32M
Financing Cash Flow38.84M24.13M24.77M32.93M146.00K106.03M

Ameriserv Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2.97
Price Trends
50DMA
2.62
Positive
100DMA
2.54
Positive
200DMA
2.60
Positive
Market Momentum
MACD
0.09
Positive
RSI
62.16
Neutral
STOCH
94.25
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 2.97 is above the 20-day moving average (MA) of 2.90, above the 50-day MA of 2.62, and above the 200-day MA of 2.60, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 62.16 is Neutral, neither overbought nor oversold. The STOCH value of 94.25 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$51.82M3.3015.30%43.98%37.57%
75
Outperform
$48.90M13.663.36%4.05%7.80%
71
Outperform
$42.16M11.986.24%3.85%-2.69%-21.26%
67
Neutral
$16.51B11.239.71%3.96%11.61%-10.70%
60
Neutral
$49.00M24.173.88%0.99%19.16%
57
Neutral
$51.63M22.422.70%152.27%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ASRV
Ameriserv Financial
2.97
0.68
29.69%
HFBL
Home Federal Bancorp Of Louisiana
13.30
2.29
20.80%
OPHC
Optimumbank Holdings
4.45
0.15
3.49%
TCBS
Texas Community
16.10
1.65
11.42%
CLST
Catalyst Bancorp
12.25
0.70
6.06%
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.Date of analysis: Jun 20, 2025