Ameriserv Financial (ASRV)
NASDAQ:ASRV
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Ameriserv Financial
(NASDAQ:ASRV)
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Rating:61Neutral
Price Target:
$4.00
▲(26.58% Upside)
Action:Reiterated
Date:05/28/26
The score is driven primarily by improving financial performance (earnings recovery and better leverage) but held back by negative TTM operating/free cash flow and margin volatility. Valuation is a key positive (low P/E and ~3.16% yield), while technical indicators and recent corporate updates are mixed rather than decisively supportive.
Positive Factors
Improved Leverage & Balance Sheet
Reported step-down in debt relative to equity and stabilizing equity restores capital flexibility. Lower leverage reduces interest burden and regulatory strain, enabling steadier lending capacity and supporting dividend policy and strategic investment over the next several quarters.
Negative Factors
Negative TTM Cash Flow
Trailing-twelve-month negative operating and free cash flow weakens internal funding for loan growth, dividends, and capital needs. Persistent cash conversion issues increase reliance on external funding and constrain balance-sheet flexibility over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage & Balance Sheet
Reported step-down in debt relative to equity and stabilizing equity restores capital flexibility. Lower leverage reduces interest burden and regulatory strain, enabling steadier lending capacity and supporting dividend policy and strategic investment over the next several quarters.
Read all positive factors
Ameriserv Financial (ASRV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$64.63M
Dividend Yield3.87%
Average Volume (3M)35.78K
Price to Earnings (P/E)11.4
Beta (1Y)0.36
Revenue Growth4.99%
EPS Growth50.85%
CountryUS
Employees298
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.33
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/Revenue1.39
Enterprise Value/Gross Profit2.22
Enterprise Value/Ebitda16.05
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
62
Positive
Balance Sheet
70
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 88.67M | 88.34M | 84.48M | 77.25M | 65.75M | 64.43M |
| Gross Profit | 55.56M | 55.13M | 53.14M | 44.98M | 57.20M | 55.74M |
| EBITDA | 7.67M | 6.80M | 6.48M | -2.31M | 11.30M | 10.81M |
| Net Income | 5.50M | 5.61M | 3.60M | -3.35M | 7.45M | 7.07M |
Balance Sheet | ||||||
| Total Assets | 1.47B | 1.45B | 1.42B | 1.39B | 1.36B | 1.34B |
| Cash, Cash Equivalents and Short-Term Investments | 13.06M | 68.99M | 173.37M | 179.74M | 202.47M | 204.27M |
| Total Debt | 71.50M | 75.31M | 101.69M | 115.56M | 138.37M | 72.84M |
| Total Liabilities | 1.35B | 1.33B | 1.32B | 1.29B | 1.26B | 1.22B |
| Stockholders Equity | 120.70M | 119.31M | 107.25M | 102.28M | 106.18M | 116.55M |
Cash Flow | ||||||
| Free Cash Flow | 1.42M | 2.06M | 976.00K | 4.91M | 3.13M | 8.70M |
| Operating Cash Flow | 2.94M | 3.19M | 2.69M | 6.29M | 5.21M | 9.94M |
| Investing Cash Flow | -1.21M | 11.07M | -23.10M | -39.99M | -56.28M | -488.00K |
| Financing Cash Flow | 28.74M | 18.89M | 24.13M | 24.77M | 32.93M | 146.00K |
Ameriserv Financial Technical Analysis
Positive
3.16
Price Trends
3.77
Positive
3.63
Positive
3.30
Positive
Market Momentum
0.02
Positive
49.45
Neutral
52.70
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 3.16 is below the 20-day moving average (MA) of 3.83, below the 50-day MA of 3.77, and below the 200-day MA of 3.30, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 49.45 is Neutral, neither overbought nor oversold. The STOCH value of 52.70 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $59.98M | 9.95 | 9.28% | 3.21% | 5.66% | 79.41% | |
77 Outperform | $68.09M | 3.77 | 14.63% | ― | 15.64% | 5.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $64.63M | 11.39 | 4.93% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $48.62M | 15.93 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
ASRV
Ameriserv Financial
3.70
0.99
36.63%
HFBL
Home Federal Bancorp Of Louisiana
19.55
6.78
53.08%
OPHC
Optimumbank Holdings
5.50
1.10
25.00%
FSEA
First Seacoast Bancorp
16.72
5.44
48.23%
TCBS
Texas Community
16.75
1.20
7.74%
Ameriserv Financial Corporate Events
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...
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.