AmeriServ Financial, Inc. (ASRV)

AmeriServ Financial Statistics

Total Valuation

ASRV has a market cap or net worth of $49.56 million. The enterprise value is $102.98 million.

Market Cap	49.56M
Enterprise Value	102.98M

Important Dates

The last earnings date was Tuesday, July 22, 2025, before market open.

Earnings Date	Jul 22, 2025
Ex-Dividend Date	Aug 4, 2025

Share Statistics

ASRV has 16.52 million shares outstanding. The number of shares has decreased by -3.51% in one year.

Current Share Class	16.52M
Shares Outstanding	16.52M
Shares Change (YoY)	-3.51%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	7.60%
Owned by Institutions (%)	39.83%
Float	13.63M

Valuation Ratios

The trailing PE ratio is 13.60.

PE Ratio	13.60
Forward PE	n/a
PS Ratio	0.96
Forward PS	n/a
PB Ratio	0.45
P/TBV Ratio	0.51
P/FCF Ratio	16.63
P/OCF Ratio	13.49
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	27.85
EV / Sales	2.00
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	34.56

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	28.70
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 3.45%.

Return on Equity (ROE)	3.45%
Return on Assets (ROA)	0.26%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$164,796
Profits Per Employee	$11,815
Employee Count	313
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ASRV has paid $832,000 in taxes.

Income Tax	832,000
Effective Tax Rate	18.37%

Stock Price Statistics

The stock price has increased by +20.97% in the last 52 weeks. The beta is 0.51, so ASRV's price volatility has been lower than the market average.

Beta (5Y)	0.51
52-Week Price Change	+20.97%
50-Day Moving Average	2.99
200-Day Moving Average	2.71
Relative Strength Index (RSI)	53.39
Average Volume (20 Days)	13,272

Short Selling Information

The latest short interest is 69,874, so 0.42% of the outstanding shares have been sold short.

Short Interest	69,874
Short Previous Month	53,156
Short % of Shares Out	0.42%
Short % of Float	0.51%
Short Ratio (days to cover)	2.26

Income Statement

In the last 12 months, ASRV had revenue of $51.58 million and earned $3.70 million in profits. Earnings per share was $0.22.

Revenue	51.58M
Gross Profit	51.58M
Operating Income	5.53M
Pretax Income	-3.89M
Net Income	3.70M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.22

Balance Sheet

The company has $32.11 million in cash and $85.53 million in debt, giving a net cash position of -$53.42 million or -$3.23 per share.

Cash & Cash Equivalents	32.11M
Total Debt	85.53M
Net Cash	-53.42M
Net Cash Per Share	-$3.23
Equity (Book Value)	110.92M
Book Value Per Share	6.71
Working Capital	-1.22B

Cash Flow

In the last 12 months, operating cash flow was $3.67 million and capital expenditures -$694,000, giving a free cash flow of $2.98 million.

Operating Cash Flow	3.67M
Capital Expenditures	-694,000
Free Cash Flow	2.98M
FCF Per Share	$0.18

Margins

Gross Margin	n/a
Operating Margin	10.71%
Pretax Margin	8.78%
Profit Margin	7.17%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	5.78%

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 4.00%.

Dividend Per Share	$0.12
Dividend Yield	4.00%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	54.42%
Buyback Yield	3.51%
Shareholder Yield	7.51%
Earnings Yield	7.46%
FCF Yield	6.01%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on August 3, 1998. It was a forward split with a ratio of 3:1.

Last Split Date	Aug 3, 1998
Split Type	Forward
Split Ratio	3:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3