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Ameriserv Financial (ASRV) AI Stock Analysis
Ameriserv Financial
(NASDAQ:ASRV)
The score is supported primarily by improved profitability, very low leverage, and attractive valuation. Mixed technical momentum, weaker cash conversion, and some earnings volatility limit the overall rating.
Ameriserv Financial (ASRV) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $83.37M
- Dividend Yield
- 2.44%
- Average Volume (3M)
- 18.64K
- Price to Earnings (P/E)
- 9.1
- Beta (1Y)
- 0.25
- Revenue Growth
- 2.43%
- EPS Growth
- 75.47%
- Country
- US
- Employees
- 285
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 variou...
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 loans an...
Ameriserv Financial Financial Statement Overview
Summary
Strong earnings recovery, materially lower leverage, improved profitability, and a solid capital position support the score. Cash-flow generation remains weaker and more volatile than reported earnings.
Income Statement
78PositiveBalance Sheet
85Very PositiveCash Flow
60Neutral| 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 | 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
Price Trends
Market Momentum
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 4.91 is above the 20-day moving average (MA) of 4.58, above the 50-day MA of 4.71, and above the 200-day MA of 4.05, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 59.04 is Neutral, neither overbought nor oversold. The STOCH value of 98.08 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
Overall Rating
OPHC83Outperform- ASRV73Outperform
TCBS65Neutral
HFBL64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% |
| ASRV | 73Outperform | $83.42M | 9.14 | 7.48% | 2.44% | 2.43% | 75.47% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.34 | 6.14% | 1.44% | 5.94% | 51.02% |
| HFBL | 64Neutral | $69.25M | 10.68 | 11.12% | 2.43% | 7.94% | 43.98% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ASRV | AmeriServ Financial, Inc. | 4.91 | 1.88 | 62.15% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 22.85 | 6.90 | 43.23% | |
| OPHC | Optimumbank | 9.15 | 5.05 | 123.17% | |
| TCBS | Texas Community Bancshares, Inc. | 17.36 | 1.70 | 10.83% |
Ameriserv Financial Corporate Events
AmeriServ Financial expands wealth management via Ameriprise partnership
PositiveOn 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 channel...
AmeriServ Financial Declares Quarterly Dividend Amid Earnings Growth
PositiveAmeriServ 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 bank’...
AmeriServ Shareholders Reaffirm Board, Pay and Auditor
PositiveAt 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 the...
AmeriServ Financial Highlights Strengthened Earnings and Balance Sheet
PositiveOn 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 inco...
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.
Date of analysis: Oct 22, 2026