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ASRV Stock Chart & Stats
$4.85
-$0.15(-3.46%)
At close: 4:00 PM EDT
$4.85
-$0.15(-3.46%)
Day’s Range― - ―
52-Week Range$2.86 - $5.38
Previous Close$4.17
Volume35.96K
Average Volume (3M)13.45K
Market Cap
$75.56M
Enterprise Value$118.69M
Total Cash (Recent Filing)$13.86M
Total Debt (Recent Filing)$66.72M
Price to Earnings (P/E)8.8
Beta0.32
Next Earnings
Oct 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.7%
Share Statistics
EPS (TTM)0.51
Shares Outstanding16,979,267
10 Day Avg. Volume13,818
30 Day Avg. Volume13,447
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 Cap1.57
Enterprise Value/Revenue1.33
Enterprise Value/Gross Profit1.96
Enterprise Value/Ebitda9.91
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
Bulls Say, Bears Say
Bulls Say
Profitability RecoveryThe return to a roughly 9.5% TTM net margin shows meaningful earnings recovery after the 2023 loss year. Stronger operating profitability can rebuild capital, support dividends and technology investment, and improve the bank’s ability to compound results if performance remains stable.
Reduced Balance-Sheet LeverageThe sharp reduction in leverage materially improves financial resilience and lowers balance-sheet risk compared with prior years. Higher equity provides a stronger base for absorbing credit stress, supporting lending activity, and maintaining strategic flexibility through changing banking conditions.
Improved Net Interest And Credit ProfileA restored net interest margin combined with low non-performing loans and strong allowance coverage supports more durable banking earnings. Stable core deposits and disciplined risk management also strengthen funding resilience, helping preserve spread income and lending capacity over coming quarters.
Bears Say
Weak Cash-Flow ConversionCash generation is materially below reported net income, raising questions about the quality and timing of earnings conversion. The 36% TTM free-cash-flow decline could constrain internally funded growth, capital returns, and the bank’s flexibility if weaker conversion persists.
Earnings VolatilityThe historical swing from profitability to a loss and back to recovery reduces confidence that current earnings levels are fully durable. Volatility makes capital planning and dividend support less predictable, while also indicating that operating results remain sensitive to banking conditions.
Declining Average LoansCommercial real estate payoffs reduced average loans, which can limit the volume of interest-earning assets and weaken future spread-income growth if replacement lending is insufficient. A smaller loan base may also reduce customer relationship expansion in the regional banking franchise.
Ameriserv Financial News
ASRV FAQ
What was Ameriserv Financial’s price range in the past 12 months?
Ameriserv Financial lowest stock price was $2.86 and its highest was $5.38 in the past 12 months.
What is Ameriserv Financial’s market cap?
Ameriserv Financial’s market cap is $75.56M.
When is Ameriserv Financial’s upcoming earnings report date?
Ameriserv Financial’s upcoming earnings report date is Oct 20, 2026 which is in 10 days.
How were Ameriserv Financial’s earnings last quarter?
Ameriserv Financial released its earnings results on Jul 21, 2026. The company reported $0.161 earnings per share for the quarter.
Is Ameriserv Financial overvalued?
According to Wall Street analysts Ameriserv Financial’s price is currently Overvalued.
Does Ameriserv Financial pay dividends?
Ameriserv Financial pays a Quarterly dividend of $0.03 which represents an annual dividend yield of 2.7%. See more information on Ameriserv Financial dividends here
What is Ameriserv Financial’s EPS estimate?
Ameriserv Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ameriserv Financial have?
Ameriserv Financial has 16,979,267 shares outstanding.
What happened to Ameriserv Financial’s price movement after its last earnings report?
Ameriserv Financial reported an EPS of $0.161 in its last earnings report. Following the earnings report the stock price went up 1.561%.
Which hedge fund is a major shareholder of Ameriserv Financial?
Currently, no hedge funds are holding shares in ASRV
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ameriserv Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
ASRV Sentiment 100%
Sector Average 63%
Sector Average 63%
Insider Transactions
Sold Shares
Worth $48.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
53.34%
12-Months-Change
Fundamentals
Return on Equity
7.13%
Trailing 12-Months
Asset Growth
0.93%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Ameriserv Financial
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 various deposit accounts, including checking, money market, savings, and time deposits. The bank also offers personal lending solutions such as secured and unsecured consumer loans, mortgage financing, and ancillary services like safe deposit boxes, holiday club accounts, and money orders. For its commercial, industrial, financial, and governmental customers, AmeriServ delivers extensive lending and treasury services. These include commercial real estate and construction loans, short and medium-term financing, revolving credit lines, and funding for inventory and accounts receivable. Additionally, it provides business savings accounts, certificates of deposit, wire transfers, and secure depository options like night drops and lockbox services. The company's trust department offers personal trust services, covering investment portfolio management, estate planning and administration, custodial services, and pre-need trusts. Institutional trust offerings include the management of 401(k)s, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. AmeriServ also provides financial advisory services through the sale of mutual funds, annuities, and insurance products. A notable offering is its union collective investment funds, which channel union pension capital into construction projects employing union labor. The firm also engages in underwriting credit life and disability insurance as a reinsurer. AmeriServ Financial operates through a network of 17 banking branches located in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties in Pennsylvania, as well as Washington County, Maryland, complemented by 18 automated teller machines. The company maintains its corporate headquarters in Johnstown, Pennsylvania.
Technical Analysis
Ownership Overview
7.88% Insiders
11.13% Mutual Funds
20.32% Other Institutional Investors
50.27% Public Companies and
Individual Investors