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Ameriserv Financial
(NASDAQ:ASRV)
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Rating:70Outperform
Price Target:
$5.00
▲(3.09% Upside)
Action:Upgraded
Date:10/22/26
ASRV scores well primarily on improving financial performance (earnings rebound and de-risked balance sheet), supported by attractive valuation (low P/E and solid dividend yield). Offsetting factors are mid-range technical momentum and the main fundamental risk: weaker cash-flow conversion and past earnings volatility.
Positive Factors
Earnings and margin recovery
The earnings rebound reflects several operating improvements rather than a single reported benefit, including stronger net interest margin, lower funding costs, reduced credit provisions, and wealth-management gains. If sustained, these drivers can support better profitability over the next several quarters.
Negative Factors
Weak cash-flow conversion
Operating and free cash flow are converting well below reported net income, which weakens confidence in the quality and repeatability of current earnings. The recent free-cash-flow decline also reduces internally generated funding available for growth, capital support, or shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings and margin recovery
The earnings rebound reflects several operating improvements rather than a single reported benefit, including stronger net interest margin, lower funding costs, reduced credit provisions, and wealth-management gains. If sustained, these drivers can support better profitability over the next several quarters.
Read all positive factors
Ameriserv Financial (ASRV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$83.25M
Dividend Yield2.45%
Average Volume (3M)16.20K
Price to Earnings (P/E)9.1
Beta (1Y)0.26
Revenue Growth2.43%
EPS Growth75.47%
CountryUS
Employees285
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.54
Shares Outstanding16,989,267
10 Day Avg. Volume17,628
30 Day Avg. Volume16,204
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 Cap1.66
Enterprise Value/Revenue1.54
Enterprise Value/Gross Profit2.25
Enterprise Value/Ebitda11.30
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 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 var...
How the Company Makes Money
AmeriServ Financial primarily makes money through a traditional bank holding company model, with earnings driven by net interest income and noninterest income.
1) Net interest income (core banking spread): The bank earns interest and fees on loan...
Ameriserv Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.45M | 88.34M | 84.48M | 77.25M | 65.75M | 64.43M |
| Gross Profit | 61.32M | 55.13M | 53.14M | 44.98M | 57.20M | 55.74M |
| EBITDA | 12.21M | 8.89M | 6.48M | -2.31M | 11.30M | 10.81M |
| Net Income | 9.07M | 5.61M | 3.60M | -3.35M | 7.45M | 7.07M |
Balance Sheet | ||||||
| Total Assets | 1.45B | 1.45B | 1.42B | 1.39B | 1.36B | 1.34B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 68.99M | 173.37M | 179.74M | 202.47M | 204.27M |
| Total Debt | 26.80M | 75.31M | 101.69M | 115.56M | 138.37M | 72.84M |
| Total Liabilities | 1.33B | 1.33B | 1.32B | 1.29B | 1.26B | 1.22B |
| Stockholders Equity | 122.02M | 119.31M | 107.25M | 102.28M | 106.18M | 116.55M |
Cash Flow | ||||||
| Free Cash Flow | -857.00K | 2.06M | 976.00K | 4.91M | 3.13M | 8.70M |
| Operating Cash Flow | 487.00K | 3.19M | 2.69M | 6.29M | 5.21M | 9.94M |
| Investing Cash Flow | -15.49M | 11.07M | -23.10M | -39.99M | -56.28M | -488.00K |
| Financing Cash Flow | -10.71M | 18.89M | 24.13M | 24.77M | 32.93M | 146.00K |
Ameriserv Financial Technical Analysis
Positive
4.85
Price Trends
4.71
Positive
4.43
Positive
4.03
Positive
Market Momentum
0.03
Negative
59.07
Neutral
83.97
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 4.85 is above the 20-day moving average (MA) of 4.54, above the 50-day MA of 4.71, and above the 200-day MA of 4.03, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 59.07 is Neutral, neither overbought nor oversold. The STOCH value of 83.97 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $115.75M | 5.30 | 16.39% | ― | 24.01% | 20.16% | |
70 Outperform | $68.92M | 10.63 | 11.12% | 2.44% | 7.94% | 43.98% | |
70 Outperform | $83.25M | 9.12 | 7.48% | 2.45% | 2.43% | 75.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $49.12M | 14.25 | 6.14% | 1.46% | 5.94% | 51.02% |
* Financial Sector Average
ASRV
Ameriserv Financial
4.90
1.87
61.88%
HFBL
Home Federal Bancorp Of Louisiana
22.74
6.15
37.08%
OPHC
Optimumbank Holdings
9.17
5.09
124.75%
TCBS
Texas Community
17.10
1.26
7.96%
Ameriserv Financial Corporate Events
Business Operations and Strategy
AmeriServ Financial expands wealth management via Ameriprise partnership
Positive
Oct 22, 2026
On October 22, 2026, AmeriServ Bank announced it had transitioned its investment services program to the Ameriprise Financial Institutions Group, giving its clients access to expanded financial planning, investment products and digital advice chan...
DividendsFinancial Disclosures
AmeriServ Financial Declares Quarterly Dividend Amid Earnings Growth
Positive
Oct 20, 2026
AmeriServ Financial reported that on October 20, 2026, its board declared a quarterly common stock cash dividend of $0.03 per share, payable on November 16, 2026, to shareholders of record as of November 2, 2026. This move underscores the bankR...
Executive/Board ChangesShareholder Meetings
AmeriServ Shareholders Reaffirm Board, Pay and Auditor
Positive
Jul 24, 2026
At its annual meeting of shareholders held on July 23, 2026, AmeriServ Financial, Inc. reported that investors elected three Class I directors—Richard W. Bloomingdale, David J. Hickton and Daniel A. Onorato—to serve on the board until ...
Business Operations and StrategyFinancial Disclosures
AmeriServ Financial Highlights Strengthened Earnings and Balance Sheet
Positive
Jul 23, 2026
On July 23, 2026, AmeriServ Financial, Inc. posted a new investor presentation outlining recent financial performance and balance sheet metrics, highlighting 2025 net income of $5.6 million and earnings per share of $0.34, alongside net interest i...
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.