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A

AmeriServ Financial, Inc. (ASRV)

NGM – Real Time Price. Currency in USD

3.62

-0.01 (-0.28%)

At close: Mar 27, 2026, 4:00 PM EDT

3.62

0.00 (0.00%)

After-hours: Mar 27, 2026, 4:10 PM EDT

  • Summary
  • News
  • Chart
  • Financial
  • Dividends
  • Forecast
  • Ownership
  • Profile

Stock details

Previous close
3.62$
Day's range
3.54 - 3.62$
52-week range
2.03 - 3.93$
Volume
6 286
Average volume
10 730
Beta
0.23
EPS (TTM)
0.34
PE ratio (TTM)
10.66
Market cap
61 410 646
Shares outstanding
16 964 267
Dividend yield
$3.31 (3.31%)
Next earnings date
N/A
Sector
Financials
Industry
Banks - Regional

About the company

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and mone... read more
CEO
Jeffrey Stopko
Country
United States
IPO Date
Employees
298
Fiscal Year End
January - December
Website
https://www.ameriserv.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: ASRV

Loading Chart...

Overall Score

3.5 / 1035%
Financial Strength
5.6
Profitability
2.4
Effectiveness
3
Growth
4.6
Forecast
1
Valuation
6.4

Financial Strength

NAMERATIOINDUSTRY5Y TRENDSCORE
Current ratio0.062.821.0
Quick ratioN/A2.821.0
Debt to Equity0.630.057.0
Debt to Assets0.050.099.0
Interest coverageN/AN/A10
Weighted average score5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)
Values in USD (B=Billions, M=Millions, K=Thousands)
METRIC2022202320242025TTM
Total Revenue66M77M84M88M88M
Gross ProfitN/AN/AN/AN/AN/A
Operating Income9M-4M4M7M7M
Net Income7M-3M4M6M6M
EBITDAN/AN/AN/AN/AN/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAMERATIOINDUSTRY5Y TRENDSCORE
Gross margin %N/A48.43
1.0
Operating margin %7.450.44
4.0
Net margin %6.4032.70
5.0
EBITDA margin %N/A0.00
1.0
Cash flow margin %-14.270.00
1.0
Weighted average score2.4

Net Margin

Effectiveness

NAMERATIOINDUSTRY5Y TRENDSCORE
ROA0.311.46
2.0
ROE4.0814.94
4.0
ROIC2.450.00
5.0
ROCEN/A0.00
1.0
Weighted average score3.0

Estimated EPS vs Actual EPS

Forecast

NAMEREVENUE GROWTHEPS GROWTHSCORE
Current quarterN/AN/A1.0
Next quarterN/AN/A1.0
Current yearN/AN/A1.0
Next yearN/AN/A1.0
Weighted average score1.0

Analyst Rating

Growth

NAMEREVENUENET INCOMEEPSFCFSCORE
Q/Q-1.53-43.31N/A-419.731.0
Y/Y4.7262.2N/A-202.294.0
3y average10.4739.52N/A29.367.0
5y average7.135.54N/A89.296.5
Weighted average score4.6

Revenue Growth Rate vs. Industry

Valuation

NAMERATIOINDUSTRY5Q TRENDSCORE
P/E10.7911.16
6.8
PEG (5yr expected)N/A98.42
1.0
P/S1.023.37
7.6
P/B0.211.53
10
Weighted average score6.4

DCF Model

DCF Model PeriodN/A
Discount rateN/A
Perpetual growth rateN/A
Revenue 5 year CAGRN/A
FCF 5 year CAGRN/A
Fair value$
Stock price3.62$

Dividend

NAMECURRENTINDUSTRYSCORE
Dividend yield3.953.958.0
Payout ratio120.00120.002.0
5-year dividend growth rate3.713.715.0
Years of dividend increase0.000.001.0
Weighted average score4.0

Economic Moat

NAMESCALESCORE
Market shareNone1.0
Intangible assetsNone1.0
Switching costsNone1.0
Network effectNone1.0
Economies of scaleNone1.0
Weighted average score1.0
Dividend
4
Economic Moat
1

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $75.3M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.6) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Negative free cash flow -$3.7M limits the company's ability to reinvest or pay down debt

Fair Value

Fair Value

$1

UndervaluedStock priceOvervalued

$3.62