AmeriServ Financial, Inc. (ASRV)

AmeriServ Financial Statistics

Total Valuation

ASRV has a market cap or net worth of $63.45 million. The enterprise value is $123.62 million.

Market Cap	63.45M
Enterprise Value	123.62M

Important Dates

The next estimated earnings date is Tuesday, July 21, 2026, before market open.

Earnings Date	Jul 21, 2026
Ex-Dividend Date	May 4, 2026

Share Statistics

ASRV has 16.96 million shares outstanding. The number of shares has decreased by -0.08% in one year.

Current Share Class	16.96M
Shares Outstanding	16.96M
Shares Change (YoY)	-0.08%
Shares Change (QoQ)	+2.21%
Owned by Insiders (%)	14.50%
Owned by Institutions (%)	37.43%
Float	12.87M

Valuation Ratios

The trailing PE ratio is 11.25.

PE Ratio	11.25
Forward PE	n/a
PS Ratio	1.14
Forward PS	n/a
PB Ratio	0.52
P/TBV Ratio	0.59
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	22.48
EV / Sales	2.22
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 4.75%.

Return on Equity (ROE)	4.75%
Return on Assets (ROA)	0.38%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.22%
Revenue Per Employee	$185,823
Profits Per Employee	$18,388
Employee Count	299
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ASRV has paid $1.13 million in taxes.

Income Tax	1.13M
Effective Tax Rate	17.07%

Stock Price Statistics

The stock price has increased by +27.40% 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	+27.40%
50-Day Moving Average	3.79
200-Day Moving Average	3.36
Relative Strength Index (RSI)	44.74
Average Volume (20 Days)	11,246

Short Selling Information

The latest short interest is 96,798, so 0.57% of the outstanding shares have been sold short.

Short Interest	96,798
Short Previous Month	98,491
Short % of Shares Out	0.57%
Short % of Float	0.75%
Short Ratio (days to cover)	8.00

Income Statement

In the last 12 months, ASRV had revenue of $55.56 million and earned $5.50 million in profits. Earnings per share was $0.33.

Revenue	55.56M
Gross Profit	55.56M
Operating Income	7.59M
Pretax Income	6.63M
Net Income	5.50M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.33

Balance Sheet

The company has $7.16 million in cash and $67.67 million in debt, with a net cash position of -$60.51 million or -$3.57 per share.

Cash & Cash Equivalents	7.16M
Total Debt	67.67M
Net Cash	-60.51M
Net Cash Per Share	-$3.57
Equity (Book Value)	120.70M
Book Value Per Share	7.12
Working Capital	-1.30B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	13.66%
Pretax Margin	11.93%
Profit Margin	9.90%
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 3.21%.

Dividend Per Share	$0.12
Dividend Yield	3.21%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	36.29%
Buyback Yield	0.08%
Shareholder Yield	3.30%
Earnings Yield	8.71%
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 (3Y)	n/a
EPS Growth Forecast (3Y)	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