AmeriServ Financial (ASRV) Stock Price, News & Analysis

Company Overview

AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. It operates through the following segments: Community Banking, Wealth Management, and Investment or Parent. The Community Banking segment includes both retail and commercial banking activities. The Wealth Management segment involves in the operations of a Trust Company, West Chester Capital Advisors an investment advisory firm, and Financial Services. The Investment or Parent segment offers investment securities, borrowing activities, and general corporate expenses. The company was founded in January 1983 and is headquartered in Johnstown, PA.

Key Stats

• Today's Range: $4.30 to $4.63
• 50-Day Range: $3.68 to $4.63
• 52-Week Range: $2.80 to $4.64
• Volume: 26,224 shs
• Average Volume: 14,731 shs
• Market Capitalization: $77.59 million
• P/E Ratio: 8.97
• Dividend Yield: 2.62%
• Price Target: N/A
• Consensus Rating: Buy

AmeriServ Financial Stock Analysis - MarketRank™

AmeriServ Financial scored higher than 56% of companies evaluated by MarketBeat, and ranked 560th out of 849 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

AmeriServ Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

AmeriServ Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of AmeriServ Financial is 8.97, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.46.

Price to Earnings Ratio vs. Sector

The P/E ratio of AmeriServ Financial is 8.97, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.83.

Price to Book Value per Share Ratio

AmeriServ Financial has a P/B Ratio of 0.63. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.52% of the float of AmeriServ Financial has been sold short.

Short Interest Ratio / Days to Cover

AmeriServ Financial has a short interest ratio ("days to cover") of 11.36, which indicates bearish sentiment.

Change versus previous month

Short interest in AmeriServ Financial has recently decreased by 7.67%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

AmeriServ Financial pays a meaningful dividend of 2.63%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

AmeriServ Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of AmeriServ Financial is 23.53%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 1.6 / 5
• News Sentiment: N/A

News Sentiment

AmeriServ Financial has a news sentiment score of 0.59. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.79 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for AmeriServ Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.5 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $11,550.00 in company stock, which represents 0.0149% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, AmeriServ Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $11,550.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

7.90% of the stock of AmeriServ Financial is held by insiders.

Percentage Held by Institutions

31.52% of the stock of AmeriServ Financial is held by institutions.

Company Calendar

• Record date for 5/18 Dividend: 5/04/2026
• Ex-Dividend for 5/18 Dividend: 5/04/2026
• Dividend Payable: 5/18/2026
• Last Earnings: 7/21/2026
• Record date for 8/17 Dividend: 8/03/2026
• Ex-Dividend for 8/17 Dividend: 8/03/2026
• Today: 8/04/2026
• Dividend Payable: 8/17/2026
• Next Earnings (Estimated): 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:ASRV
• CIK: 707605
• Web: www.ameriserv.com
• Phone: (814) 533-5300
• Fax: 814-533-5427
• Employees: 1,224
• Year Founded: 1901

Profitability

• EPS (Trailing Twelve Months): $0.51
• Trailing P/E Ratio: 8.97
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $5.61 million
• Net Margins: 9.51%
• Pretax Margin: 7.48%
• Return on Equity: 7.21%
• Return on Assets: 0.58%

Debt

• Debt-to-Equity Ratio: 0.58
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $88.34 million
• Price / Sales: 0.88
• Cash Flow: $0.45 per share
• Price / Cash Flow: 10.23
• Book Value: $7.22 per share
• Price / Book: 0.63

Miscellaneous

• Outstanding Shares: 16,960,000
• Free Float: 15,624,000
• Market Cap: $77.59 million
• Optionable: Optionable
• Beta: 0.43