AmeriServ Financial, Inc. (ASRV)

AmeriServ Financial Statistics

Total Valuation

ASRV has a market cap or net worth of $54.52 million. The enterprise value is $118.65 million.

Market Cap	54.52M
Enterprise Value	118.65M

Important Dates

The last earnings date was Tuesday, January 20, 2026, before market open.

Earnings Date	Jan 20, 2026
Ex-Dividend Date	Feb 2, 2026

Share Statistics

ASRV has 16.52 million shares outstanding. The number of shares has decreased by -1.62% in one year.

Current Share Class	16.52M
Shares Outstanding	16.52M
Shares Change (YoY)	-1.62%
Shares Change (QoQ)	+0.26%
Owned by Insiders (%)	14.80%
Owned by Institutions (%)	39.42%
Float	12.44M

Valuation Ratios

The trailing PE ratio is 9.71.

PE Ratio	9.71
Forward PE	n/a
PS Ratio	0.99
Forward PS	n/a
PB Ratio	0.46
P/TBV Ratio	0.52
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	21.14
EV / Sales	2.15
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 4.95%.

Return on Equity (ROE)	4.95%
Return on Assets (ROA)	0.39%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.91%
Revenue Per Employee	$176,141
Profits Per Employee	$17,930
Employee Count	313
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ASRV has paid $1.18 million in taxes.

Income Tax	1.18M
Effective Tax Rate	17.42%

Stock Price Statistics

The stock price has increased by +21.77% in the last 52 weeks. The beta is 0.45, so ASRV's price volatility has been lower than the market average.

Beta (5Y)	0.45
52-Week Price Change	+21.77%
50-Day Moving Average	3.15
200-Day Moving Average	2.94
Relative Strength Index (RSI)	59.06
Average Volume (20 Days)	17,034

Short Selling Information

The latest short interest is 68,414, so 0.41% of the outstanding shares have been sold short.

Short Interest	68,414
Short Previous Month	86,555
Short % of Shares Out	0.41%
Short % of Float	0.55%
Short Ratio (days to cover)	2.53

Income Statement

In the last 12 months, ASRV had revenue of $55.13 million and earned $5.61 million in profits. Earnings per share was $0.34.

Revenue	55.13M
Gross Profit	55.13M
Operating Income	7.78M
Pretax Income	6.80M
Net Income	5.61M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.34

Balance Sheet

The company has $7.25 million in cash and $71.38 million in debt, with a net cash position of -$64.13 million or -$3.88 per share.

Cash & Cash Equivalents	7.25M
Total Debt	71.38M
Net Cash	-64.13M
Net Cash Per Share	-$3.88
Equity (Book Value)	119.31M
Book Value Per Share	7.22
Working Capital	-1.29B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	14.12%
Pretax Margin	12.33%
Profit Margin	10.18%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 3.64%.

Dividend Per Share	$0.12
Dividend Yield	3.64%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	35.32%
Buyback Yield	1.62%
Shareholder Yield	5.26%
Earnings Yield	10.29%
FCF Yield	n/a

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	2