AmeriServ Financial, Inc. (ASRV) Stock Score, Valuation & Financial Research
AmeriServ Financial, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 47/100.
Quick answer for ASRV
AmeriServ Financial, Inc. currently has a Wall Street Score of 47/100. The stored market price is $4.83. Its financial score is 31/100. Its valuation score is 100/100. The latest WSS change is +2.6 points. These figures are a research snapshot, not a buy or sell recommendation.
What AmeriServ Financial, Inc. does
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. For its commercial, industrial, financial, and governmental customers, AmeriServ delivers extensive lending and treasury services. These include commercial real estate and construction loans, short and medium-term financing, revolving credit lines, and funding for inventory and accounts receivable. Additionally, it provides business savings accounts, certificates
ASRV financial snapshot
- Wall Street Score:
- 47/100
- Current price:
- $4.83
- Market capitalization:
- $81.9M
- Revenue:
- $89.5M
- Net income:
- $8.5M
- Free cash flow:
- $2.1M
- Cash:
- $13.9M
- Total debt:
- $66.7M
- EPS:
- 0.51
- P/E ratio:
- 9.5x
- Financial score:
- 31/100
- Valuation score:
- 100/100
- Revenue score:
- 33/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $2.1M, showing positive cash generation.
- The balance sheet shows $13.9M of cash versus $66.7M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +2.6 points: ASRV increased 2.6 points because Valuation improved by 15 points.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 31/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research ASRV
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.