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ASRV Overview

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$
0.000
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0.000(0.000%)Aft-market
ET
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0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
3.820
Open
3.820
VWAP
3.71
Vol
20.72K
Mkt Cap
61.92M
Low
3.650
Amount
76.81K
EV/EBITDA(TTM)
15.81
Total Shares
16.96M
EV
129.59M
EV/OCF(TTM)
--
P/S(TTM)
1.08
AmeriServ Financial, Inc. is the parent of AmeriServ Financial Bank (the Bank). The Bank provides full-service banking and wealth management services through 16 community offices in southwestern Pennsylvania and Hagerstown, Maryland. The Bank also operates loan production offices in Altoona and Monroeville, Pennsylvania. The Bank provides retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, and money orders; and lending, depository and related financial services to commercial, industrial, financial, and governmental customers, such as commercial real estate mortgage loans (CRE), short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, and others. AmeriServ Wealth and Capital Management is a division of the Bank.
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Events Timeline

(ET)
2026-04-21
08:10:00
AmeriServ Financial Q1 Net Interest Margin Improves to 3.26%
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2026-01-20 (ET)
2026-01-20
08:10:00
AmeriServ Financial Reports Improved Financial Performance in 2025
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2026-01-07 (ET)
2026-01-07
09:10:00
AmeriServ Financial and SB Value Partners Sign Amended Consulting Agreement
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2025-12-03 (ET)
2025-12-03
08:40:00
AmeriServ Financial Forms Strategic Alliance with Federated Hermes
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2025-10-21 (ET)
2025-10-21
08:04:56
Ameriserve Financial Announces Q3 EPS of 15c, Up from 7c Last Year
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2025-10-16 (ET)
2025-10-16
08:31:46
Ameriserve Financial Bank and USW Reach New Four-Year Agreement
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2025-07-22 (ET)
2025-07-22
08:04:34
Ameriserve Financial reports Q2 EPS (2c) vs. (2c) last year
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2025-04-16 (ET)
2025-04-16
09:06:19
Ameriserve Financial signs new advisory agreement with SB Value Partners
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2024-10-22 (ET)
2024-10-22
08:04:14
Ameriserve Financial reports Q3 EPS 7c vs. 4c last year
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News

NASDAQ.COM
9.5
04-21NASDAQ.COM
Ameriserv Financial Reports Decline in Q1 Profit
  • Profit Decline: Ameriserv Financial reported a first-quarter profit of $1.79 million, or $0.11 per share, down from $1.91 million and $0.12 per share last year, indicating pressure on profitability.
  • Revenue Growth: Despite the profit decline, the company's revenue increased by 2.8% to $17.50 million from $17.02 million last year, suggesting that the business is still expanding to some extent.
  • Market Reaction: The decline in profit may negatively impact investor confidence, especially as the company failed to maintain last year's profit levels, potentially leading to stock price volatility.
  • Future Outlook: Ameriserv Financial needs to implement effective measures to enhance profitability in order to address challenges posed by market competition and changes in the economic environment.
seekingalpha
9.5
04-21seekingalpha
AmeriServ Financial Releases Q1 Earnings Report
  • Earnings Per Share: AmeriServ Financial reported a GAAP EPS of $0.12 for Q1, indicating ongoing efforts in maintaining profitability despite not meeting market expectations.
  • Revenue Performance: The company generated revenue of $14.79 million, reflecting a robust performance amid current economic challenges, with revenue stability being a positive indicator.
  • Financial Transparency: The release of financial information enhances investor confidence in AmeriServ's operational status, particularly in a climate of increasing economic uncertainty, as transparent reporting can attract potential investors.
  • Dividend Scorecard: The dividend scorecard indicates the company's commitment to shareholder returns, and while specific dividend amounts were not disclosed, this information helps enhance market perception of its long-term investment value.
Newsfilter
9.5
04-21Newsfilter
AmeriServ Financial Reports Q1 2026 Net Income Decline
  • Net Income Decline: AmeriServ Financial reported a net income of $1.794 million for Q1 2026, translating to $0.11 per diluted share, which represents a 6.0% decline from $1.908 million and an 8.3% drop in earnings per share from Q1 2025, indicating a potential decrease in investor confidence due to declining profitability.
  • Net Interest Income Growth: Despite the drop in net income, net interest income increased by $897,000, or 9.0%, primarily driven by a 25-basis point improvement in net interest margin to 3.26%, reflecting effective asset-liability management that could support future revenue growth.
  • Decrease in Non-Interest Income: Non-interest income fell by $154,000, or 3.7%, in Q1 2026, largely due to the absence of asset sales that occurred in Q1 2025, highlighting challenges in diversifying revenue sources that may affect overall financial stability.
  • Cost Control Pressure: Non-interest expenses rose by $595,000, or 5.1%, with professional fees surging due to a revised consulting agreement, indicating pressure on cost control efforts that could impact future profitability.
NASDAQ.COM
6.5
03-25NASDAQ.COM
Highlights from Zacks Analyst Blog Featuring Key Stocks
  • Apple's Performance: Apple shares have risen 12.8% over the past year, slightly trailing the 13.7% gain in the computer industry, primarily driven by strong growth in iPhone and Services revenue, with net sales expected to grow 13%-16% year-over-year in Q2 2026.
  • Meta Platforms Update: Meta's shares have declined 4.7% in the past year, yet the infusion of AI across its services has boosted user engagement, with Instagram Reels watch time increasing over 30% year-over-year, highlighting its appeal to advertisers.
  • Chevron Acquisition Impact: Chevron's stock has gained 31.2% over the past year, bolstered by the acquisition of Hess, which adds high-quality assets, while free cash flow grew significantly in 2025 despite weak oil prices, showcasing the company's cost discipline and asset quality.
  • Investors Title Company Outlook: Investors Title's shares have dropped 7.4%, but revenues rose to $272.8 million in 2025 with margins expanding to 12.9%, indicating potential in the recovering real estate market, with 2026 expected to benefit from improved mortgage activity.
NASDAQ.COM
9.5
01-20NASDAQ.COM
Ameriserv Financial Inc. Reports Q4 Profit Increase to $1.44 Million
  • Profit Growth: Ameriserv Financial reported a fourth-quarter profit of $1.44 million, or $0.09 per share, which is a significant increase from last year's $0.89 million and $0.05 per share, indicating an improvement in profitability.
  • Revenue Decline: Despite the profit increase, the company's revenue fell by 57.6%, dropping from $17.06 million last year to $7.23 million this quarter, reflecting challenges in the market environment and changes in revenue structure.
  • Performance Comparison: The contrast between profit growth and revenue decline compared to the previous year highlights the company's effectiveness in cost control and efficiency improvements, even amid overall revenue downturns.
  • Future Outlook: The company needs to focus on strategies for revenue recovery to address current market challenges, ensuring the sustainability of profit growth and achieving a better balance in future financial performance.
Newsfilter
9.5
01-20Newsfilter
AmeriServ Financial Reports 62.2% Increase in Q4 2025 Net Income to $1.44 Million
  • Net Income Growth: AmeriServ Financial reported a net income of $1.44 million in Q4 2025, reflecting a 62.2% increase from $889,000 in Q4 2024, indicating significant progress in revenue growth and credit loss provision management.
  • Earnings Per Share Increase: The earnings per share for 2025 reached $0.34, up 61.9% from $0.21 in 2024, showcasing the company's ability to enhance profitability and shareholder returns while effectively managing its balance sheet.
  • Increase in Net Interest Income: The net interest income for Q4 2025 rose by $1.4 million, or 14.6%, compared to the prior year, primarily driven by improved net interest margins and effective asset management strategies, which are expected to further boost future revenue growth.
  • Shareholder Returns: The company's board declared a quarterly cash dividend of $0.03 per share, resulting in a payout ratio of 35.3% based on 2025 full-year earnings, demonstrating a strong commitment to returning value to shareholders.

Valuation Metrics

The current forward P/E ratio for Ameriserv Financial Inc (ASRV.O) is 12.25, compared to its 5-year average forward P/E of 0.94. For a more detailed relative valuation and DCF analysis to assess Ameriserv Financial Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
0.94
Current PE
12.25
Overvalued PE
4.41
Undervalued PE
-2.52

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.00
Current PS
0.00
Overvalued PS
0.00
Undervalued PS
0.00

Financials

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Whales Holding ASRV

T
Tontine Management, LLC
Holding
ASRV
+32.41%
3M Return

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Frequently Asked Questions

What is Ameriserv Financial Inc (ASRV) stock price today?

The current price of ASRV is 3.65 USD — it has decreased -3.44

What is Ameriserv Financial Inc (ASRV)'s business?

AmeriServ Financial, Inc. is the parent of AmeriServ Financial Bank (the Bank). The Bank provides full-service banking and wealth management services through 16 community offices in southwestern Pennsylvania and Hagerstown, Maryland. The Bank also operates loan production offices in Altoona and Monroeville, Pennsylvania. The Bank provides retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, and money orders; and lending, depository and related financial services to commercial, industrial, financial, and governmental customers, such as commercial real estate mortgage loans (CRE), short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, and others. AmeriServ Wealth and Capital Management is a division of the Bank.

What is the price predicton of ASRV Stock?

Wall Street analysts forecast ASRV stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for ASRV is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Ameriserv Financial Inc (ASRV)'s revenue for the last quarter?

Ameriserv Financial Inc revenue for the last quarter amounts to 13.96M USD, increased 6.58

What is Ameriserv Financial Inc (ASRV)'s earnings per share (EPS) for the last quarter?

Ameriserv Financial Inc. EPS for the last quarter amounts to 0.11 USD, decreased -8.33

How many employees does Ameriserv Financial Inc (ASRV). have?

Ameriserv Financial Inc (ASRV) has 311 emplpoyees as of May 11 2026.

What is Ameriserv Financial Inc (ASRV) market cap?

Today ASRV has the market capitalization of 61.92M USD.