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ASRV Stock Chart & Stats
$4.34
-$0.15(-3.46%)
At close: 4:00 PM EDT
$4.34
-$0.15(-3.46%)
Day’s Range― - ―
52-Week Range$2.80 - $5.38
Previous Close$4.17
Volume35.96K
Average Volume (3M)35.78K
Market Cap
$81.67M
Enterprise Value$118.69
Total Cash (Recent Filing)$13.86M
Total Debt (Recent Filing)$66.72M
Price to Earnings (P/E)9.5
Beta0.34
Next Earnings
Oct 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.42%
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
Bulls Say, Bears Say
Bulls Say
Earnings And Margin RecoveryThe 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.
Credit Quality And Risk ControlsLow non-performing loans and substantial allowance coverage provide resilience against credit losses. This supports more predictable earnings and reduces the risk that loan deterioration will reverse the current profitability recovery.
De-risked Balance SheetThe sharp reduction in leverage and higher equity base improve financial flexibility and balance-sheet stability. Lower reliance on debt should reduce funding risk and give AmeriServ greater capacity to support customers through changing conditions.
Bears Say
Weak Cash-flow ConversionCash 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.
Historical Earnings VolatilityThe swing from profits to a loss and back to recovery shows that earnings are sensitive to banking-cycle and operating conditions. This history lowers confidence that the current margin improvement will remain consistent across several quarters.
Loan Growth And Leadership ConcentrationLoan contraction can limit interest-income growth, while combining CEO and CFO duties increases key-person and execution dependence. Together, these factors could make scaling the recovery and maintaining risk oversight more difficult.
Ameriserv Financial News
ASRV FAQ
What was Ameriserv Financial’s price range in the past 12 months?
Ameriserv Financial lowest stock price was $2.80 and its highest was $5.38 in the past 12 months.
What is Ameriserv Financial’s market cap?
Ameriserv Financial’s market cap is $81.67M.
When is Ameriserv Financial’s upcoming earnings report date?
Ameriserv Financial’s upcoming earnings report date is Oct 20, 2026 which is in 55 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, missing the consensus estimate of N/A by N/A.
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 2.42%. 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, missing expectations of N/A. 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
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.11%
12-Months-Change
Fundamentals
Return on Equity
2.42%
Trailing 12-Months
Asset Growth
0.81%
Trailing 12-Months
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
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Ownership Overview
7.87% Insiders
11.13% Mutual Funds
20.32% Other Institutional Investors
54.29% Public Companies and
Individual Investors