ASRV
AmeriServ Financial, Inc.
Price Chart
Latest Quote
$3.75
-0.06 (-1.57%)
Current Price
| Previous Close | $3.81 |
| Open | $3.77 |
| Day High | $3.82 |
| Day Low | $3.75 |
| Volume | 5,034 |
Stock Information
| Quarterly Dividend / Yield | $0.12 / 3.20% |
| Shares Outstanding | 16.96M |
| Quarterly Dividend Yield | 3.20% |
| Quarterly Dividend | $0.12 |
| Total Debt | $67.67M |
| Cash Equivalents | $7.16M |
| Revenue | $55.56M |
| Net Income | $5.50M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $63.62M |
| P/E Ratio | 11.36 |
| EPS (TTM) | $0.33 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $124.12M |
| Sales | $55.56M |
| Income | $5.50M |
| Book/sh | $7.12 |
| Cash/sh | $0.42 |
| Employees | 299 |
Financial Ratios
| EPS Growth TTM | -6.00% |
Returns & Margins
| ROA | 0.38% |
| ROE | 4.75% |
| Operating Margin | 16.67% |
| Profit Margin | 9.90% |
Ownership
| Insider Ownership | 26.68% |
| Institutional Ownership | 39.65% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | 0.95 |
| P/S | 1.14 |
| P/B | 0.53 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $3.80 |
| SMA50 | $3.80 |
| SMA200 | $3.35 |
| RSI | 44.12 |
| ATR | 0.1021 |
| Shares Float | 12.82M |
| Short Float | 0.58% |
| Short Ratio | 7.93 |
| Volatility | 0.44 |
| Rel Volume | 0.53 |
Performance History
| Week | -0.27% |
| Month | -2.09% |
| Quarter | +2.68% |
| 6 Months | +23.81% |
| YTD | +16.26% |
| Year | +43.58% |
| 3 Years | +53.15% |
| 5 Years | +10.14% |
| 10 Years | +62.96% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-16 | $3.75 | 5,100 |
| 2026-06-15 | $3.81 | 18,700 |
| 2026-06-12 | $3.81 | 4,600 |
| 2026-06-11 | $3.81 | 1,900 |
| 2026-06-10 | $3.77 | 9,000 |
| 2026-06-09 | $3.76 | 27,700 |
| 2026-06-08 | $3.68 | 6,900 |
| 2026-06-05 | $3.74 | 8,700 |
| 2026-06-04 | $3.78 | 2,100 |
| 2026-06-03 | $3.75 | 4,200 |
| 2026-06-02 | $3.72 | 9,200 |
| 2026-06-01 | $3.81 | 4,700 |
| 2026-05-29 | $3.70 | 2,900 |
| 2026-05-28 | $3.81 | 6,700 |
| 2026-05-27 | $3.83 | 19,000 |
| 2026-05-26 | $3.80 | 20,100 |
| 2026-05-22 | $3.93 | 3,100 |
| 2026-05-21 | $3.91 | 4,400 |
| 2026-05-20 | $3.95 | 6,100 |
| 2026-05-19 | $3.85 | 26,800 |
| 2026-05-18 | $3.86 | 15,900 |
About AmeriServ Financial, Inc.
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including 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. It 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, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising 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 life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.
đ° Latest News
The Zacks Analyst Blog Highlights Alphabet, Apple, Micron Technology, Cumberland Pharmaceuticals and AmeriServ Financial
Zacks âĸ 2026-05-28T10:15:00Z
Top Analyst Reports for Alphabet, Apple & Micron Technology
Zacks âĸ 2026-05-27T20:13:00Z
AmeriServ's Q1 Earnings Down Y/Y Due to Escalating Professional Fees
Zacks âĸ 2026-04-27T17:16:00Z
2 Microcap Regional Bank Valuation Plays
Zacks âĸ 2026-03-27T17:00:00Z
AmeriServ Financial Climbs 43% in a Year: Should You Buy the Stock?
Zacks âĸ 2026-03-26T17:32:00Z
The Zacks Analyst Blog Highlights Apple, Meta Platforms, Chevron, Investors Title and AmeriServ Financial
Zacks âĸ 2026-03-25T07:10:00Z
Top Research Reports for Apple, Meta & Chevron
Zacks âĸ 2026-03-24T21:31:00Z
Spotlight On Penny Stocks For February 2026
Simply Wall St. âĸ 2026-02-03T18:05:17Z
Pleasing Signs As A Number Of Insiders Buy AmeriServ Financial Stock
Simply Wall St. âĸ 2026-01-30T10:34:40Z
Top Penny Stocks To Watch In January 2026
Simply Wall St. âĸ 2026-01-27T12:05:02Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $59,252,000 | $54,023,000 | $52,409,000 | $57,255,000 |
| Operating Revenue | $59,252,000 | $54,023,000 | $52,409,000 | $57,255,000 |
| Expenses | ||||
| Interest Expense | $29,091,000 | $30,457,000 | $24,840,000 | $8,495,000 |
| General And Administrative Expense | $29,926,000 | $29,408,000 | $30,343,000 | $29,007,000 |
| Professional Expense And Contract Services Expense | $3,755,000 | $4,784,000 | $5,317,000 | $3,210,000 |
| Other Non Interest Expense | $10,112,000 | $10,041,000 | $9,168,000 | $11,268,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Net Interest Income | $42,263,000 | $36,048,000 | $36,020,000 | $40,563,000 |
| Interest Income | $71,354,000 | $66,505,000 | $60,860,000 | $49,058,000 |
| Normalized Income | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Net Income From Continuing And Discontinued Operation | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Net Income Common Stockholders | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Net Income | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Net Income Including Noncontrolling Interests | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Net Income Continuous Operations | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Pretax Income | $6,796,000 | $4,399,000 | $-4,388,000 | $9,201,000 |
| Special Income Charges | - | - | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $0.34 | $0.21 | $-0.20 | $0.43 |
| Basic EPS | $0.34 | $0.21 | $-0.20 | $0.44 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,098,000 | $2,083,000 | $2,074,000 | $2,096,000 |
| Diluted Average Shares | $16,520,000 | $16,802,000 | $17,144,000 | $17,146,000 |
| Basic Average Shares | $16,520,000 | $16,802,000 | $17,143,000 | $17,107,000 |
| Diluted NI Availto Com Stockholders | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Tax Provision | $1,184,000 | $798,000 | $-1,042,000 | $1,753,000 |
| Gain On Sale Of Security | $0 | $0 | $826,000 | $0 |
| Selling General And Administration | $29,926,000 | $29,408,000 | $30,343,000 | $29,007,000 |
| Insurance And Claims | $987,000 | $1,021,000 | $715,000 | $515,000 |
| Salaries And Wages | $28,939,000 | $28,387,000 | $29,628,000 | $28,492,000 |
| Occupancy And Equipment | $4,543,000 | $4,507,000 | $4,540,000 | $4,519,000 |
| Total Unusual Items | - | - | $0 | $0 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $0 |
| Restructuring And Mergern Acquisition | - | - | $0 | $0 |
| Other Gand A | - | - | - | $651,000 |
Fetched: 2026-06-13
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $105,645,000 | $93,560,000 | $88,565,000 | $92,439,000 |
| Total Assets | $1,453,813,000 | $1,422,362,000 | $1,389,638,000 | $1,363,874,000 |
| Goodwill And Other Intangible Assets | $13,667,000 | $13,688,000 | $13,712,000 | $13,739,000 |
| Other Intangible Assets | $56,000 | $77,000 | $101,000 | $128,000 |
| Receivables | $5,557,000 | $5,486,000 | $5,529,000 | $4,804,000 |
| Accounts Receivable | $5,557,000 | $5,486,000 | $5,529,000 | $4,804,000 |
| Cash And Cash Equivalents | $50,891,000 | $17,746,000 | $14,027,000 | $22,962,000 |
| Cash Financial | $11,473,000 | $13,891,000 | $9,678,000 | $18,830,000 |
| Cash Cash Equivalents And Federal Funds Sold | $50,891,000 | $17,746,000 | $14,027,000 | $22,962,000 |
| Cash Equivalents | - | - | - | $0 |
| Debt | ||||
| Net Debt | $20,491,000 | $79,680,000 | $98,171,000 | $112,088,000 |
| Total Debt | $75,309,000 | $101,687,000 | $115,556,000 | $138,373,000 |
| Long Term Debt And Capital Lease Obligation | $75,309,000 | $87,045,000 | $74,605,000 | $49,732,000 |
| Long Term Debt | $71,382,000 | $82,784,000 | $71,247,000 | $46,409,000 |
| Current Debt And Capital Lease Obligation | $0 | $14,642,000 | $40,951,000 | $88,641,000 |
| Current Debt | $0 | $14,642,000 | $40,951,000 | $88,641,000 |
| Other Current Borrowings | $0 | $14,642,000 | $40,951,000 | $88,641,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,334,501,000 | $1,315,114,000 | $1,287,361,000 | $1,257,696,000 |
| Non Current Deferred Liabilities | $1,636,000 | - | - | - |
| Non Current Deferred Taxes Liabilities | $1,636,000 | - | - | - |
| Equity | ||||
| Common Stock Equity | $119,312,000 | $107,248,000 | $102,277,000 | $106,178,000 |
| Total Equity Gross Minority Interest | $119,312,000 | $107,248,000 | $102,277,000 | $106,178,000 |
| Stockholders Equity | $119,312,000 | $107,248,000 | $102,277,000 | $106,178,000 |
| Gains Losses Not Affecting Retained Earnings | $-7,349,000 | $-15,083,000 | $-19,976,000 | $-22,520,000 |
| Other Equity Adjustments | $-7,349,000 | $-15,083,000 | $-19,976,000 | $-22,520,000 |
| Retained Earnings | $64,112,000 | $60,482,000 | $58,901,000 | $65,486,000 |
| Other | ||||
| Treasury Shares Number | $10,256,822 | $10,256,822 | $9,628,819 | $9,628,819 |
| Ordinary Shares Number | $16,522,267 | $16,519,267 | $17,147,270 | $17,117,617 |
| Share Issued | $26,779,089 | $26,776,089 | $26,776,089 | $26,746,436 |
| Tangible Book Value | $105,645,000 | $93,560,000 | $88,565,000 | $92,439,000 |
| Invested Capital | $190,694,000 | $204,674,000 | $214,475,000 | $241,228,000 |
| Capital Lease Obligations | $3,927,000 | $4,261,000 | $3,358,000 | $3,323,000 |
| Total Capitalization | $190,694,000 | $190,032,000 | $173,524,000 | $152,587,000 |
| Treasury Stock | $84,791,000 | $84,791,000 | $83,280,000 | $83,280,000 |
| Additional Paid In Capital | $147,070,000 | $146,372,000 | $146,364,000 | $146,225,000 |
| Capital Stock | $270,000 | $268,000 | $268,000 | $267,000 |
| Common Stock | $270,000 | $268,000 | $268,000 | $267,000 |
| Long Term Capital Lease Obligation | $3,927,000 | $4,261,000 | $3,358,000 | $3,323,000 |
| Investments And Advances | $255,737,000 | $219,457,000 | $229,690,000 | $241,386,000 |
| Held To Maturity Securities | $69,850,000 | $63,837,000 | $63,979,000 | $61,878,000 |
| Available For Sale Securities | $167,789,000 | - | - | - |
| Trading Securities | $7,253,000 | $0 | - | - |
| Goodwill | $13,611,000 | $13,611,000 | $13,611,000 | $13,611,000 |
| Net PPE | $17,430,000 | $18,109,000 | $17,179,000 | $17,503,000 |
| Accumulated Depreciation | $-24,934,000 | $-26,019,000 | $-27,154,000 | $-26,474,000 |
| Gross PPE | $42,364,000 | $44,128,000 | $44,333,000 | $43,977,000 |
| Leases | $1,236,000 | $1,229,000 | $1,196,000 | $1,202,000 |
| Other Properties | $3,501,000 | $3,881,000 | $3,030,000 | $3,043,000 |
| Machinery Furniture Equipment | $8,177,000 | $8,097,000 | $8,258,000 | $8,428,000 |
| Buildings And Improvements | $28,225,000 | $29,696,000 | $30,624,000 | $30,079,000 |
| Land And Improvements | $1,225,000 | $1,225,000 | $1,225,000 | $1,225,000 |
| Other Short Term Investments | $10,845,000 | $155,620,000 | $165,711,000 | $179,508,000 |
Fetched: 2026-06-13
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $2,063,000 | $976,000 | $4,907,000 | $3,129,000 |
| Operating Activities | ||||
| Operating Cash Flow | $3,187,000 | $2,687,000 | $6,288,000 | $5,209,000 |
| Cash Flow From Continuing Operating Activities | $3,187,000 | $2,687,000 | $6,288,000 | $5,209,000 |
| Operating Gains Losses | $-116,000 | $-174,000 | $753,000 | $-208,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,124,000 | $-1,711,000 | $-1,381,000 | $-2,080,000 |
| Investing Cash Flow | $11,070,000 | $-23,099,000 | $-39,994,000 | $-56,281,000 |
| Cash Flow From Continuing Investing Activities | $11,070,000 | $-23,099,000 | $-39,994,000 | $-56,281,000 |
| Net Other Investing Changes | $4,315,000 | $1,426,000 | $970,000 | $-2,048,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-1,511,000 | $0 | $0 |
| Financing Cash Flow | $18,888,000 | $24,131,000 | $24,771,000 | $32,933,000 |
| Cash Flow From Continuing Financing Activities | $18,888,000 | $24,131,000 | $24,771,000 | $32,933,000 |
| Cash Dividends Paid | $-1,982,000 | $-2,020,000 | $-2,058,000 | $-1,967,000 |
| Common Stock Dividend Paid | $-1,982,000 | $-2,020,000 | $-2,058,000 | $-1,967,000 |
| Net Common Stock Issuance | $0 | $-1,511,000 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-13,539,000 | $-17,375,000 | $-17,796,000 | $-23,107,000 |
| Issuance Of Debt | $1,908,000 | $28,703,000 | $42,365,000 | $0 |
| End Cash Position | $50,891,000 | $17,746,000 | $14,027,000 | $22,962,000 |
| Beginning Cash Position | $17,746,000 | $14,027,000 | $22,962,000 | $41,101,000 |
| Changes In Cash | $33,145,000 | $3,719,000 | $-8,935,000 | $-18,139,000 |
| Proceeds From Stock Option Exercised | $9,000 | $0 | $94,000 | $106,000 |
| Common Stock Payments | $0 | $-1,511,000 | $0 | $0 |
| Net Issuance Payments Of Debt | $-26,273,000 | $-14,981,000 | $-23,121,000 | $65,534,000 |
| Net Short Term Debt Issuance | $-14,642,000 | $-26,309,000 | $-47,690,000 | $88,641,000 |
| Net Long Term Debt Issuance | $-11,631,000 | $11,328,000 | $24,569,000 | $-23,107,000 |
| Long Term Debt Payments | $-13,539,000 | $-17,375,000 | $-17,796,000 | $-23,107,000 |
| Long Term Debt Issuance | $1,908,000 | $28,703,000 | $42,365,000 | $0 |
| Net Investment Purchase And Sale | $-22,636,000 | $10,685,000 | $11,290,000 | $-45,236,000 |
| Sale Of Investment | $47,756,000 | $33,487,000 | $40,515,000 | $24,075,000 |
| Purchase Of Investment | $-70,392,000 | $-22,802,000 | $-29,225,000 | $-69,311,000 |
| Net PPE Purchase And Sale | $-1,124,000 | $-1,711,000 | $-1,381,000 | $-2,080,000 |
| Purchase Of PPE | $-1,124,000 | $-1,711,000 | $-1,381,000 | $-2,080,000 |
| Change In Working Capital | $303,000 | $-461,000 | $2,274,000 | $-859,000 |
| Change In Other Working Capital | $-178,000 | $-169,000 | $-70,000 | $-84,000 |
| Change In Payables And Accrued Expense | $552,000 | $-335,000 | $3,069,000 | $45,000 |
| Change In Payable | $552,000 | $-335,000 | $3,069,000 | $45,000 |
| Change In Account Payable | $552,000 | $-335,000 | $3,069,000 | $45,000 |
| Change In Receivables | $-71,000 | $43,000 | $-725,000 | $-820,000 |
| Changes In Account Receivables | $-71,000 | $43,000 | $-725,000 | $-820,000 |
| Other Non Cash Items | $-2,237,000 | $-3,164,000 | $-2,321,000 | $-3,456,000 |
| Stock Based Compensation | $0 | $8,000 | $45,000 | $50,000 |
| Unrealized Gain Loss On Investment Securities | $-7,253,000 | $0 | - | - |
| Amortization Of Securities | $-98,000 | $76,000 | $49,000 | $108,000 |
| Deferred Tax | $992,000 | $-34,000 | $-565,000 | $533,000 |
| Deferred Income Tax | $992,000 | $-34,000 | $-565,000 | $533,000 |
| Depreciation Amortization Depletion | $2,098,000 | $2,083,000 | $2,074,000 | $2,096,000 |
| Depreciation And Amortization | $2,098,000 | $2,083,000 | $2,074,000 | $2,096,000 |
| Amortization Cash Flow | $21,000 | $24,000 | $27,000 | $30,000 |
| Amortization Of Intangibles | $21,000 | $24,000 | $27,000 | $30,000 |
| Depreciation | $2,077,000 | $2,059,000 | $2,047,000 | $2,066,000 |
| Net Income From Continuing Operations | $5,612,000 | $3,601,000 | $-3,346,000 | $7,448,000 |
| Gain Loss On Investment Securities | - | $0 | $922,000 | $0 |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Sale Of Business | - | - | $0 | $0 |
Fetched: 2026-06-13