NASDAQ: ASRVAmeriserv Financial Inc Stock
$2.71-0.19 (-6.55%)
Updated Jun 13, 2025
ASRV Price
$2.71
Fair Value Price
N/A
Market Cap
$44.77M
52 Week Low
$2.03
52 Week High
$3.06
P/E
12.32x
P/B
0.4x
P/S
0.76x
PEG
N/A
Dividend Yield
3.32%
Revenue
$53.04M
Earnings
$3.61M
Gross Margin
100%
Operating Margin
8.29%
Profit Margin
6.8%
Debt to Equity
11.93
Operating Cash Flow
$5M
Beta
0.21
Next Earnings
Jul 14, 2025
Ex-Dividend
N/A
Next Dividend
N/A
ASRV Overview
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ASRV's potential to beat the market
- ASRV doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
ASRV
RankedUnranked of 296
RankedUnranked of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $34.81 | A | |
| $36.01 | B | |
| $14.40 | B |
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ASRV News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ASRV scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
ASRV was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
ASRV is good value based on its earnings relative to its share price (12.32x), compared to the US market average (31.36x)
P/E vs Market Valuation
ASRV is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more ASRV due diligence checks available for Premium users.
Valuation
ASRV fair value
Fair Value of ASRV stock based on Discounted Cash Flow (DCF)
Price
$2.71
Fair Value
$0.18
Overvalued by
1,440.78%
ASRV was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
ASRV price to earnings (PE)
For valuing profitable companies with steady earnings
Company
12.32x
Industry
11.9x
Market
31.36x
ASRV is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ASRV is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
ASRV price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.4x
Industry
1.15x
ASRV is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ASRV's financial health
Profit margin
Revenue
$14.1M
Net Income
$1.9M
Profit Margin
13.5%
ASRV's Earnings (EBIT) of $4.40M... subscribe to Premium to read more.
Interest Coverage Financials
ASRV's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.4B
Liabilities
$1.3B
Debt to equity
11.93
ASRV's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ASRV's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$599.0k
Investing
-$2.4M
Financing
$7.7M
ASRV's operating cash flow ($5.44M)... subscribe to Premium to read more.
Debt Coverage Financials
ASRV vs Bank Stocks
Ameriserv Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.