NASDAQ · Banks - Regional

ASRV (ASRV) Stock

$4.92 +2.71% NASDAQ: ASRV Financial Services

Valuation

MetricValue
Price$4.92
Market Cap$83.46M
P/E Ratio11.56
P/B Ratio0.56
P/S Ratio0.75
EPS (TTM)$0.00
52-Week High$4.92
52-Week Low$2.64
Dividend Yield3.05%

Financials & Margins

MetricValue
ROE5.04%
ROA0.41%
ROCE5.88%
Gross Margin6.82%
Operating Margin7.95%
Net Margin6.20%
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 Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y24.19%
Return 3Y75.34%
Return 5Y21.69%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BYFC $11.13 +5.85% -2.99 $103.22M 0.00%
CASH $88.87 +0.26% 10.50 $1.88B 0.24%
CLST $17.34 +4.49% 28.41 $70.28M 0.00%
FSEA $16.95 +0.30% -72.52 $79.52M 0.00%
HFBL $23.31 +6.20% 15.48 $71.19M 2.77%

About ASRV

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

ASRV stock trades at $4.92 with a market capitalization of $83.46M. The stock is valued at a price-to-earnings (P/E) ratio of 11.56, price-to-book of 0.56, price-to-sales of 0.75. Over the past 52 weeks the stock has ranged between $2.64 and $4.92, and currently trades at its 52-week high. It pays a dividend yielding 3.05%.

On profitability, ASRV generates a return on equity (ROE) of 5.04%, return on capital employed of 5.88%, an operating margin of 7.95%, a net profit margin of 6.20%.

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