AmeriServ Financial, Inc. (ASRV)

NASDAQ: ASRV · USD

$4.54

-0.09 (-1.9%)· Recorded snapshot

Market cap	77.1M
Revenue (ttm)	61.3M
Net income (ttm)	9.1M
EPS (ttm)	$0.54
Shares out	17M
P/E (trailing)	8.4x
Dividend	$0.12 (2.64%)
Volume	25,679.312
Beta	0.43

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 61.3M
Net income (ttm): 9.1M
EPS (ttm): $0.54
P/E (trailing): 8.4x
Market cap: 77.1M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	شراء قوي
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	شراء قوي
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	احتفاظ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E8.4

P25 n/aP50 n/aP75 n/a

ROE7.7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ASRV indicators

Market & fundamental data

Available fields

239

Groups with data

Currency

USD

Showing 239 of 239 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000707605
Company name	AmeriServ Financial, Inc.
Country	United States
Country code	US
CUSIP number	03074A102
Earnings date	2026-10-20
Earnings time	bmo
Employees	285
Employees change	-26
Employees growth	-8.36%
Enterprise value	$128.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1983
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US03074A1025
Last 10-K release date	2026-03-18
Last earnings date	2026-10-20
Last refreshed	2026-11-04
Last stock split date	1998-08-03
Last stock split type	Forward
Market cap	$77.1M
Market cap category	Micro-Cap
Next earnings date	2027-01-19
Options	Yes
Price	$4.54
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-11-03
Symbol	ASRV
U.S. state	Pennsylvania
Website	https://www.ameriserv.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	12.16x
Average P/E ratio (3Y)	10.42x
Average P/E ratio (5Y)	10.07x
Earnings yield	11.86%
EV/Earnings	14.2x
EV/FCF	3,143.67x
EV/Sales	2.1x
FCF / EV yield	0.03%
FCF yield	0.05%
Graham number	9.32918
Graham upside	105.49%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$4.82
Lynch upside	6.13%
P/B ratio	0.63x
P/E ratio	8.43x
P/FCF ratio	1,881.25x
P/OCF ratio	40.79x
P/S ratio	1.26x
Price / tangible book value	0.71x
Sector forward P/E	13.72x
Sector P/E	15.79x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	18.42%
FCF margin	0.07%
Operating margin	19.5%
Pretax margin	18.14%
Profit margin	14.8%
Profit per employee	$31,839
Profitable quarters	4
Profitable years	2
Revenue per employee	$215,154
ROA	0.62%
ROA (5Y)	0.3%
ROE	7.67%
ROE (5Y)	3.65%
Tax / revenue	3.34%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	79.55%
EPS growth (Q)	20%
EPS growth (QoQ)	12.5%
EPS growth 10Y	15.27%
EPS growth 3Y	46.87%
EPS growth 5Y	9.23%
EPS growth quarters	1
EPS growth years	2
FCF growth	-98.62%
FCF growth 3Y	-79.81%
FCF growth 5Y	-65.27%
Net income growth	79.36%
Net income growth (Q)	21.86%
Net income growth (QoQ)	13.22%
Net income growth 3Y	45.89%
Net income growth 5Y	8.95%
Net income growth quarters	1
Net income growth years	2
OCF growth	-48.53%
OCF growth 10Y	-14.63%
OCF growth 3Y	-34.26%
OCF growth 5Y	-27.31%
Revenue growth	14.64%
Revenue growth (Q)	6.1%
Revenue growth (QoQ)	-1.43%
Revenue growth 10Y	3.22%
Revenue growth 3Y	4.71%
Revenue growth 5Y	2.57%
Revenue growth quarters	4
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.9M
EPS	$0.54
FCF per share	$0.00
Financing cash flow	$-788,000
Free cash flow	$41,000
Gross profit	$61.3M
Income taxes	$2M
Investing cash flow	$1.9M
Net borrowing	$-15.6M
Net cash flow	$3M
Net income	$9.1M
Operating income	$12M
Revenue	$61.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$7.18
Debt / equity	0.49
Debt / FCF	1,454.71
Net cash (debt)	$-51.8M
Net cash / market cap	-67.11%
Net debt / equity	0.42
Net debt / FCF	1,262.41
Piotroski F-Score	3
Shareholders' equity	$122M
Tangible book value	$108.4M
Tangible book value per share	$6.38
Total assets	$1.4B
Total cash	$7.9M
Total debt	$59.6M
Total liabilities	$1.3B
WACC	3.74%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.08%
Dividend growth	0%
Dividend growth (10Y)	9.15%
Dividend growth (3Y)	0%
Dividend growth (5Y)	3.71%
Dividend growth years	0
Dividend payment date	2026-11-16
Dividend payment years	14
Dividend payout frequency	Quarterly
Dividend per share	$0.12
Dividend yield	2.64%
Ex-dividend date	2026-11-02
FCF payout ratio	4,979.25%
Last dividend	$0.03
Payout ratio	22.28%
Shareholder yield	0.57%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	37.58%
10Y return CAGR	6.42%
10Y total return	86.2%
150-day SMA	$4.25
15Y price change	144.09%
15Y return CAGR	8.62%
15Y total return	245.71%
1D price change	-1.94%
1M price change	-2.26%
1M total return	-1.66%
1W price change	-2.99%
1W total return	-2.4%
1Y price change	48.85%
1Y return CAGR	54.87%
1Y total return	54.82%
20-day SMA	$4.60
200-day SMA	$4.10
20Y price change	-4.62%
20Y return CAGR	1.56%
20Y total return	36.4%
3M price change	-0.66%
3M total return	0.61%
3Y price change	74.62%
3Y return CAGR	25.77%
3Y total return	98.96%
50-day SMA	$4.69
50-day SMA vs 200-day SMA	50over200
52-week high	$5.38
52-week high date	2026-08-18
52-week low	$2.96
52-week low date	2025-11-14
5Y price change	13.22%
5Y return CAGR	6.53%
5Y total return	37.19%
6M price change	14.36%
6M total return	16.7%
After-hours change	1.1%
After-hours close	$4.54
After-hours price	$4.59
All-time high	$27.67
All-time high date	1998-04-30
All-time low	$0.90
All-time low date	2009-05-15
Average true range (ATR)	$0.25
Average volume	18.8K
Beta (1Y)	0.25
Beta (2Y)	0.26
Beta (5Y)	0.43
Change from 52-week high	-15.63%
Change from 52-week low	53.38%
Change from all-time high	-83.59%
Change from all-time low	404.44%
Change from open	-2.37%
Day's gap	0.43%
Dollar volume	$116,584
High price	$4.90
Low price	$4.54
Monthly RSI	63.48
Open price	$4.65
Position in 52-week range	0%
Previous close	$4.63
Price vs 150-day SMA	6.72%
Price vs 20-day SMA	-1.24%
Price vs 200-day SMA	10.87%
Price vs 50-day SMA	-3.26%
Relative volume	1.37
RSI	46.11
Sharpe ratio	1.2
Sharpe ratio (3Y)	0.68
Sharpe ratio (5Y)	0.26
Sortino ratio	1.97
Sortino ratio (3Y)	1.12
Sortino ratio (5Y)	0.53
Volume	25.7K
Weekly RSI	53.17
YTD price change	42.32%
YTD total return	46.57%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	12.8M
Float percentage	75.57%
Shares change (QoQ)	0.18%
Shares change (YoY)	2.08%
Shares held by insiders	14.8%
Shares held by institutions	37.39%
Shares outstanding	17M
Short % of float	1.19%
Short % of shares	0.9%
Short ratio	10.5 days

Deeper analysis on ASRV

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this ASRV report

Is a complete ASRV research report available?

No complete published report is available for AmeriServ Financial, Inc. (ASRV) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

AmeriServ Financial, Inc. (ASRV)

Price

Financial snapshot

Fair-value bridge

Latest news · ASRV

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASRV indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASRV

Frequently asked questions