AmeriServ Financial, Inc.
ASRV · Price history
Price at last available close
$4.68
+$0.08 (+1.74%) 1M
2026-10-27
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Company & revenue
About AmeriServ Financial, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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 various deposit accounts, including checking, money market, savings, and time deposits. The bank also offers personal lending solutions such as secured and unsecured consumer loans, mortgage financing, and ancillary services like safe deposit boxes, holiday club accounts, and money orders.
How they make money
AmeriServ Financial, Inc. operates as a bank holding company that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from trust and wealth management services, service charges on deposit accounts, and other banking-related fees. The company manages its net interest margin by balancing the interest rates paid on customer deposits against the interest earned on its loan portfolio and investment assets.
Products & services
The company provides a range of financial services including personal and business banking (checking, savings, certificates of deposit), commercial and consumer lending (mortgages, revolving credit, lines of credit), and trust and wealth management services.
Brands & revenue mix
The primary brand under which the company conducts its banking and trust operations.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and Software Service Providers — Various third-party vendors providing core banking software, data processing, and cybersecurity services; specific supplier names are not disclosed.Source
Business relationships & partnerships
- SB Value Partners — A strategic partnership focused on enhancing the company's financial and operational capabilities.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
48
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
31
Poor
Financial Strength
29
Business Quality / Moat
40
Management
23
Growth Quality
30
Risk / Durability
30
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
71
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
62/100
Building Historical Record
Model Score 62/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for ASRV
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can ASRV maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is ASRV's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is ASRV's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is ASRV's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
48
Opportunity Score
71
Market Cap
$79.5M
P/E Ratio
8.6
EPS
$0.51
52-Week High
$5.38
52-Week Low
$2.96
Beta
0.43
Intrinsic Value
$14.81
Shares Outstanding
16.5M
Total Revenue
$89.5M
Total Debt
$66.7M
Dividend Yield (TTM)
2.56%
Liquidation Value / Share
$7.45
Dividend / Share (TTM)
$0.12
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for ASRV
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Debt service risk
Interest coverage is low (~0.2x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on ASRV.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established presence in Pennsylvania and Maryland markets.
- +Diversified revenue streams from banking and trust services.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate volatility affecting net interest margin.
- −Credit risk associated with loan portfolio performance.
- −Regulatory and compliance risks inherent in banking.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
7 historical score records availablePrevious Score
47
Oct 1, 2026
Change
+0.9
points
Current Score
48
Oct 20, 2026
Category Changes
ASRV increased 0.9 points because overall fundamentals improved.
Projected Score
Projected Score
49
Projected Change
+1.0 points
Preliminary comparable-period financial changes suggest improvement of approximately 1.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $0.51 · Growth assumption: 6.9% · Earnings multiplier: 22.4×.
Current Price
$4.68
Model Intrinsic Value
$14.81
Difference
−$10.13
-68.4% vs IV
Margin of Safety
68.4%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $89.5M | $88.3M | $84.5M | $77.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $29.1M | $33.2M | $31.3M | $32.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $60.4M | $55.1M | $53.1M | $45.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $26.1M | $33.5M | $29.4M | $30.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $50.0M | $48.3M | $48.7M | $49.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $12.0M | $8.9M | $6.5M | -$2.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $10.4M | $6.8M | $4.4M | -$4.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $28.1M | $29.1M | $30.5M | $24.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $10.4M | $6.8M | $4.4M | -$4.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1.9M | $1.2M | $798K | -$1.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $8.5M | $5.6M | $3.6M | -$3.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.51 | $0.34 | $0.21 | $-0.20 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 16.96M | 16.52M | 16.80M | 17.14M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 16.97M | 16.53M | 16.80M | 17.14M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$22.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.16
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-19.1%
Cash Change
-44.6%
Margin Change
+13.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, debt levels, net income margin. Pressure indicators included EPS growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 4.0%. EPS declined 1035.7%. Cash declined 44.6%. Total debt declined 19.1%. Net income margin improved by 13.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
7 historical recordsHistorical Score Chart
3 of 7 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalRumor Mill · ASRV
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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