_id

690db202ccc777a4e85d0c36

Ticker

ASRV

Name

AmeriServ Financial Inc

Exchange

NASDAQ

Address

Main and Franklin Street, Johnstown, PA, United States, 15907-0430

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.ameriserv.com

Description

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 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.

Last Close

3.11

Volume

33506

Current Price

3.11

Change

0

Last Updated

2025-11-28T12:28:05.530Z

Image

-

Ipo Date

1990-03-27T00:00:00.000Z

Market Cap

51044532

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

1

Sentiment Sources

1

Current Quarter

2025-09-30

Revenue

22884000

Cost Of Revenue

-

Gross Profit

-

Operating Expenses

-

Operating Income

3084000

Interest Expense

7476000

Pretax Income

3084000

Net Income

2544000

Eps

0.15400448901292385

Dividends Per Share

495000

Shares Outstanding

16519267

Income Tax Expense

540000

EBITDA

3084000

Operating Margin

13.476664918720505

Total Other Income Expense Net

-

Cash

53764000

Short Term Investments

11324000

Receivables

6021000

Inventories

-

Total Current Assets

-

Property Plant Equipment

17489000

Total Assets

1461494000

Payables

-

Short Term Debt

-

Long Term Debt

74780000

Total Liabilities

1346919000

Equity

114575000

Depreciation

505000

Change In Working Capital

-958000

Cash From Operations

1404000

Capital Expenditures

506000

Cash From Investing

-

Cash From Financing

9925000

Net Change In Cash

28731000

PE

10.3

PB

0.44838827746017895

ROE

2.220379663975562

ROA

0.17406845324031436

FCF

898000

Fcf Percent

0.039241391365145956

Piotroski FScore

3

Health Score

35

Deep Value Investing Score

9

Defensive Investing Score

3.5

Dividend Investing Score

3.5

Economic Moat Investing Score

6.3

Garp Investing Score

3

Growth Investing Score

3

Momentum Investing Score

6

Net Net Investing Score

4.5

Quality Investing Score

4

Value Investing Score

6

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

22884000

Quarters > 0 > income Statement > cost Of Revenue

-

Quarters > 0 > income Statement > gross Profit

-

Quarters > 0 > income Statement > operating Expenses

-

Quarters > 0 > income Statement > operating Income

3084000

Quarters > 0 > income Statement > interest Expense

7476000

Quarters > 0 > income Statement > pretax Income

3084000

Quarters > 0 > income Statement > net Income

2544000

Quarters > 0 > income Statement > eps

0.15400448901292385

Quarters > 0 > income Statement > dividends Per Share

495000

Quarters > 0 > income Statement > shares Outstanding

16518999

Quarters > 0 > income Statement > income Tax Expense

540000

Quarters > 0 > income Statement > EBITDA

3084000

Quarters > 0 > income Statement > operating Margin

13.476664918720505

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

53764000

Quarters > 0 > balance Sheet > short Term Investments

11324000

Quarters > 0 > balance Sheet > receivables

6021000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

-

Quarters > 0 > balance Sheet > property Plant Equipment

17489000

Quarters > 0 > balance Sheet > total Assets

1461494000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

74780000

Quarters > 0 > balance Sheet > total Liabilities

1346919000

Quarters > 0 > balance Sheet > equity

114575000

Quarters > 0 > cash Flow > net Income

2544000

Quarters > 0 > cash Flow > depreciation

505000

Quarters > 0 > cash Flow > change In Working Capital

-958000

Quarters > 0 > cash Flow > cash From Operations

1404000

Quarters > 0 > cash Flow > capital Expenditures

506000

Quarters > 0 > cash Flow > cash From Investing

-

Quarters > 0 > cash Flow > cash From Financing

9925000

Quarters > 0 > cash Flow > net Change In Cash

28731000

Quarters > 0 > ratios > PE

0.15400448901292385

Quarters > 0 > ratios > PB

0.44838827746017895

Quarters > 0 > ratios > ROE

2.220379663975562

Quarters > 0 > ratios > ROA

0.17406845324031436

Quarters > 0 > ratios > FCF

898000

Quarters > 0 > ratios > Piotroski FScore

3

Quarters > 0 > ratios > fcf Percent

0.039241391365145956

Quarters > 0 > health Score

35

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

21785000

Quarters > 1 > income Statement > cost Of Revenue

10428000

Quarters > 1 > income Statement > gross Profit

11357000

Quarters > 1 > income Statement > operating Expenses

11709000

Quarters > 1 > income Statement > operating Income

-352000

Quarters > 1 > income Statement > interest Expense

7295000

Quarters > 1 > income Statement > pretax Income

-352000

Quarters > 1 > income Statement > net Income

-282000

Quarters > 1 > income Statement > eps

-0.01707125231982882

Quarters > 1 > income Statement > dividends Per Share

495000

Quarters > 1 > income Statement > shares Outstanding

16518999

Quarters > 1 > income Statement > income Tax Expense

-70000

Quarters > 1 > income Statement > EBITDA

182000

Quarters > 1 > income Statement > operating Margin

-1.6157906816616936

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

25033000

Quarters > 1 > balance Sheet > short Term Investments

45776000

Quarters > 1 > balance Sheet > receivables

5738000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

76547000

Quarters > 1 > balance Sheet > property Plant Equipment

17483000

Quarters > 1 > balance Sheet > total Assets

1448733000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

2688000

Quarters > 1 > balance Sheet > long Term Debt

75670000

Quarters > 1 > balance Sheet > total Liabilities

1337812000

Quarters > 1 > balance Sheet > equity

110921000

Quarters > 1 > cash Flow > net Income

-282000

Quarters > 1 > cash Flow > depreciation

534000

Quarters > 1 > cash Flow > change In Working Capital

1072000

Quarters > 1 > cash Flow > cash From Operations

-62000

Quarters > 1 > cash Flow > capital Expenditures

141000

Quarters > 1 > cash Flow > cash From Investing

-14178000

Quarters > 1 > cash Flow > cash From Financing

15643000

Quarters > 1 > cash Flow > net Change In Cash

1403000

Quarters > 1 > ratios > PE

-0.01707125231982882

Quarters > 1 > ratios > PB

0.4631592474824424

Quarters > 1 > ratios > ROE

-0.25423499607829

Quarters > 1 > ratios > ROA

-0.01946528449341597

Quarters > 1 > ratios > FCF

-203000

Quarters > 1 > ratios > Piotroski FScore

1

Quarters > 1 > ratios > fcf Percent

-0.009318338306173972

Quarters > 1 > health Score

16

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

21143000

Quarters > 2 > income Statement > cost Of Revenue

6994000

Quarters > 2 > income Statement > gross Profit

14149000

Quarters > 2 > income Statement > operating Expenses

11763000

Quarters > 2 > income Statement > operating Income

2386000

Quarters > 2 > income Statement > interest Expense

7091000

Quarters > 2 > income Statement > pretax Income

2386000

Quarters > 2 > income Statement > net Income

1908000

Quarters > 2 > income Statement > eps

0.1155033597675404

Quarters > 2 > income Statement > dividends Per Share

496000

Quarters > 2 > income Statement > shares Outstanding

16519000

Quarters > 2 > income Statement > income Tax Expense

478000

Quarters > 2 > income Statement > EBITDA

2916000

Quarters > 2 > income Statement > operating Margin

11.285058884737264

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

23630000

Quarters > 2 > balance Sheet > short Term Investments

164195000

Quarters > 2 > balance Sheet > receivables

5817000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

193642000

Quarters > 2 > balance Sheet > property Plant Equipment

17774000

Quarters > 2 > balance Sheet > total Assets

1431524000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

10373000

Quarters > 2 > balance Sheet > long Term Debt

79484000

Quarters > 2 > balance Sheet > total Liabilities

1320765000

Quarters > 2 > balance Sheet > equity

110759000

Quarters > 2 > cash Flow > net Income

1908000

Quarters > 2 > cash Flow > depreciation

530000

Quarters > 2 > cash Flow > change In Working Capital

-743000

Quarters > 2 > cash Flow > cash From Operations

599000

Quarters > 2 > cash Flow > capital Expenditures

0

Quarters > 2 > cash Flow > cash From Investing

-2438000

Quarters > 2 > cash Flow > cash From Financing

7723000

Quarters > 2 > cash Flow > net Change In Cash

5884000

Quarters > 2 > ratios > PE

0.1155033597675404

Quarters > 2 > ratios > PB

0.4638367085293294

Quarters > 2 > ratios > ROE

1.7226591067091612

Quarters > 2 > ratios > ROA

0.13328452753848347

Quarters > 2 > ratios > FCF

599000

Quarters > 2 > ratios > Piotroski FScore

3

Quarters > 2 > ratios > fcf Percent

0.028330889656150972

Quarters > 2 > health Score

34

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

21516000

Quarters > 3 > income Statement > cost Of Revenue

8582000

Quarters > 3 > income Statement > gross Profit

12934000

Quarters > 3 > income Statement > operating Expenses

11858000

Quarters > 3 > income Statement > operating Income

1076000

Quarters > 3 > income Statement > interest Expense

7524000

Quarters > 3 > income Statement > pretax Income

1076000

Quarters > 3 > income Statement > net Income

889000

Quarters > 3 > income Statement > eps

0.053816816998607665

Quarters > 3 > income Statement > dividends Per Share

496000

Quarters > 3 > income Statement > shares Outstanding

16519000

Quarters > 3 > income Statement > income Tax Expense

187000

Quarters > 3 > income Statement > EBITDA

1634000

Quarters > 3 > income Statement > operating Margin

5.000929540806841

Quarters > 3 > income Statement > total Other Income Expense Net

-558000

Quarters > 3 > balance Sheet > cash

17746000

Quarters > 3 > balance Sheet > short Term Investments

155620000

Quarters > 3 > balance Sheet > receivables

5486000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

178852000

Quarters > 3 > balance Sheet > property Plant Equipment

18109000

Quarters > 3 > balance Sheet > total Assets

1422362000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

14642000

Quarters > 3 > balance Sheet > long Term Debt

82784000

Quarters > 3 > balance Sheet > total Liabilities

1315114000

Quarters > 3 > balance Sheet > equity

107248000

Quarters > 3 > cash Flow > net Income

889000

Quarters > 3 > cash Flow > depreciation

558000

Quarters > 3 > cash Flow > change In Working Capital

791000

Quarters > 3 > cash Flow > cash From Operations

3372000

Quarters > 3 > cash Flow > capital Expenditures

238000

Quarters > 3 > cash Flow > cash From Investing

-23254000

Quarters > 3 > cash Flow > cash From Financing

15512000

Quarters > 3 > cash Flow > net Change In Cash

-4370000

Quarters > 3 > ratios > PE

0.053816816998607665

Quarters > 3 > ratios > PB

0.4790214269729971

Quarters > 3 > ratios > ROE

0.8289198866179323

Quarters > 3 > ratios > ROA

0.06250166975776912

Quarters > 3 > ratios > FCF

3134000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.14565904443205058

Quarters > 3 > health Score

46

Valuation > metrics > PE

10.3

Valuation > metrics > PB

0.44838827746017895

Valuation > final Score

100

Valuation > verdict

27.6% Undervalued

Profitability > metrics > ROE

2.220379663975562

Profitability > metrics > Net Margin

0.11116937598321971

Profitability > final Score

36

Profitability > verdict

Weak

Risk > metrics > Debt Equity

11.75578442068514

Risk > metrics > Interest Coverage

0.41252006420545745

Risk > final Score

8

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

70

Prev Valuations > 1

90

Prev Valuations > 2

90

Prev Profitabilities > 0

0

Prev Profitabilities > 1

20

Prev Profitabilities > 2

9

Prev Risks > 0

6

Prev Risks > 1

7

Prev Risks > 2

7

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-12T14:02:23.408Z