AmeriServ Financial, Inc. (ASRV)

AmeriServ Financial Statistics

Total Valuation

ASRV has a market cap or net worth of $51.81 million. The enterprise value is $72.58 million.

Market Cap	51.81M
Enterprise Value	72.58M

Important Dates

The next estimated earnings date is Tuesday, January 20, 2026, before market open.

Earnings Date	Jan 20, 2026
Ex-Dividend Date	Nov 3, 2025

Share Statistics

ASRV has 16.52 million shares outstanding. The number of shares has decreased by -2.60% in one year.

Current Share Class	16.52M
Shares Outstanding	16.52M
Shares Change (YoY)	-2.60%
Shares Change (QoQ)	+0.00%
Owned by Insiders (%)	13.79%
Owned by Institutions (%)	39.65%
Float	12.61M

Valuation Ratios

The trailing PE ratio is 10.54.

PE Ratio	10.54
Forward PE	n/a
PS Ratio	0.98
Forward PS	n/a
PB Ratio	0.46
P/TBV Ratio	0.51
P/FCF Ratio	10.56
P/OCF Ratio	9.75
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.35
EV / Sales	1.36
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	14.80

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	16.64
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 4.54%.

Return on Equity (ROE)	4.54%
Return on Assets (ROA)	0.35%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$170,888
Profits Per Employee	$16,163
Employee Count	313
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ASRV has paid $1.14 million in taxes.

Income Tax	1.14M
Effective Tax Rate	18.32%

Stock Price Statistics

The stock price has increased by +11.59% in the last 52 weeks. The beta is 0.44, so ASRV's price volatility has been lower than the market average.

Beta (5Y)	0.44
52-Week Price Change	+11.59%
50-Day Moving Average	3.06
200-Day Moving Average	2.81
Relative Strength Index (RSI)	53.79
Average Volume (20 Days)	21,653

Short Selling Information

The latest short interest is 79,475, so 0.48% of the outstanding shares have been sold short.

Short Interest	79,475
Short Previous Month	79,718
Short % of Shares Out	0.48%
Short % of Float	0.63%
Short Ratio (days to cover)	2.53

Income Statement

In the last 12 months, ASRV had revenue of $53.49 million and earned $5.06 million in profits. Earnings per share was $0.30.

Revenue	53.49M
Gross Profit	53.49M
Operating Income	7.20M
Pretax Income	6.19M
Net Income	5.06M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.30

Balance Sheet

The company has $60.83 million in cash and $81.60 million in debt, giving a net cash position of -$20.77 million or -$1.26 per share.

Cash & Cash Equivalents	60.83M
Total Debt	81.60M
Net Cash	-20.77M
Net Cash Per Share	-$1.26
Equity (Book Value)	114.58M
Book Value Per Share	6.94
Working Capital	-1.20B

Cash Flow

In the last 12 months, operating cash flow was $5.31 million and capital expenditures -$409,000, giving a free cash flow of $4.90 million.

Operating Cash Flow	5.31M
Capital Expenditures	-409,000
Free Cash Flow	4.90M
FCF Per Share	$0.30

Margins

Gross Margin	n/a
Operating Margin	13.45%
Pretax Margin	11.58%
Profit Margin	9.46%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	9.17%

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 3.83%.

Dividend Per Share	$0.12
Dividend Yield	3.83%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	40.01%
Buyback Yield	2.60%
Shareholder Yield	6.49%
Earnings Yield	9.77%
FCF Yield	9.47%

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	4