NASDAQ · Banks - Regional

AmeriServ Financial Inc. (ASRV) Stock

$4.39 -1.35% NASDAQ: ASRV Financial Services

Valuation

MetricValue
Price$4.39
Market Cap$74.47M
P/E Ratio9.16
P/B Ratio0.64
P/S Ratio0.88
EPS (TTM)$0.00
52-Week High$5.38
52-Week Low$2.86
Dividend Yield2.59%

Financials & Margins

MetricValue
ROE7.13%
ROA0.58%
ROCE0.71%
Gross Margin6.82%
Operating Margin7.95%
Net Margin9.51%
Debt/Equity0.59
Current Ratio0.06

Annual Financials (USD)

Metric20212022202320242025
Revenue$64.0M$66.0M$77.0M$84.0M$88.0M
Operating Profit$9.0M$9.0M$-4.0M$4.0M$7.0M
Net Profit$7.0M$7.0M$-3.0M$4.0M$6.0M
EPS$0.41$0.43$-0.20$0.21$0.34
Op Margin13.6%14.0%-5.7%5.2%7.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.3B$1.4B$1.4B$1.4B$1.5B
Total Liabilities$1.2B$1.3B$1.3B$1.3B$1.3B
Cash$41.0M$23.0M$14.0M$18.0M$51.0M
Borrowings$73.0M$138.0M$116.0M$102.0M$75.0M

Latest News

The Zacks Analyst Blog Highlights Alphabet, Apple, Micron Technology, Cumberland Pharmaceuticals and AmeriServ Financial Zacks · May 28, 2026 Top Analyst Reports for Alphabet, Apple & Micron Technology Zacks · May 27, 2026 AmeriServ's Q1 Earnings Down Y/Y Due to Escalating Professional Fees Zacks · Apr 27, 2026 AMERISERV FINANCIAL REPORTS EARNINGS FOR THE FIRST QUARTER OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND PR Newswire · Apr 21, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$10.0M$5.0M$6.0M$3.0M$3.0M
Investing Cash Flow$-2.0M$-58.0M$-41.0M$-25.0M$10.0M
Financing Cash Flow$42.0M$-31.0M$50.0M$41.0M$47.0M
Net Cash Flow$10.0M$-18.0M$-9.0M$4.0M$33.0M
Free Cash Flow$9.0M$3.0M$5.0M$1.0M$2.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.08
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y24.19%
Return 3Y75.34%
Return 5Y21.69%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BYFCBroadway Financial Corporation $11.44 -1.80% -4.22 $106.09M 0.00%
CASHPathward Financial, Inc. $71.87 -0.31% 9.22 $1.52B 0.27%
CLSTCatalyst Bancorp, Inc. $16.80 -0.88% 28.60 $68.07M 0.00%
FSEA $17.25 +0.00% 1796.88 $80.93M 0.00%
HFBLHome Federal Bancorp, Inc. of Louisiana $24.24 +0.33% 12.44 $74.03M 2.36%

About AmeriServ Financial Inc.

AmeriServ Financial Inc. is led by CEO Jeffrey A. Stopko, employs 298 people, headquartered in US, publicly traded since 1985.

AmeriServ Financial Inc. (ASRV) stock trades at $4.39 with a market capitalization of $74.47M. The stock is valued at a price-to-earnings (P/E) ratio of 9.16, price-to-book of 0.64, price-to-sales of 0.88. Over the past 52 weeks the stock has ranged between $2.86 and $5.38, and currently trades 18.4% below its 52-week high. It pays a dividend yielding 2.59%.

On profitability, AmeriServ Financial Inc. generates a return on equity (ROE) of 7.13%, return on capital employed of 0.71%, an operating margin of 7.95%, a net profit margin of 9.51%.

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