AmeriServ Financial, Inc. (ASRV)

Exscientia Statistics

Total Valuation

ASRV has a market cap or net worth of $48.40 million. The enterprise value is $119.04 million.

Market Cap	48.40M
Enterprise Value	119.04M

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 (%)	39.12%
Float	13.63M

Valuation Ratios

The trailing PE ratio is 13.29.

PE Ratio	13.29
Forward PE	n/a
PS Ratio	0.94
Forward PS	n/a
PB Ratio	0.44
P/TBV Ratio	0.50
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	32.19
EV / Sales	2.31
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)	n/a
Return on Assets (ROA)	n/a
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 +10.36% in the last 52 weeks. The beta is 0.49, so ASRV's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+10.36%
50-Day Moving Average	2.95
200-Day Moving Average	2.70
Relative Strength Index (RSI)	47.13
Average Volume (20 Days)	28,513

Short Selling Information

The latest short interest is 53,156, so 0.32% of the outstanding shares have been sold short.

Short Interest	53,156
Short Previous Month	62,414
Short % of Shares Out	0.32%
Short % of Float	0.39%
Short Ratio (days to cover)	1.55

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 $27.20 million in cash and $97.84 million in debt, giving a net cash position of -$70.64 million or -$4.28 per share.

Cash & Cash Equivalents	27.20M
Total Debt	97.84M
Net Cash	-70.64M
Net Cash Per Share	-$4.28
Equity (Book Value)	110.76M
Book Value Per Share	6.70
Working Capital	n/a

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	10.71%
Pretax Margin	8.78%
Profit Margin	7.17%
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 4.27%.

Dividend Per Share	$0.12
Dividend Yield	4.27%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	54.42%
Buyback Yield	3.51%
Shareholder Yield	7.84%
Earnings Yield	7.64%
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	1