AmeriServ Financial, Inc. (ASRV)
NASDAQ: ASRV · Real-Time Price · USD
5.02
+0.02 (0.40%)
At close: Aug 21, 2026, 4:00 PM EDT
5.00
-0.02 (-0.40%)
After-hours: Aug 21, 2026, 7:30 PM EDT

AmeriServ Financial Statistics

Total Valuation

ASRV has a market cap or net worth of $85.24 million. The enterprise value is $115.36 million.

Market Cap85.24M
Enterprise Value 115.36M

Important Dates

The last earnings date was Tuesday, July 21, 2026, before market open.

Earnings Date Jul 21, 2026
Ex-Dividend Date Aug 3, 2026

Share Statistics

ASRV has 16.98 million shares outstanding. The number of shares has increased by 1.37% in one year.

Current Share Class 16.98M
Shares Outstanding 16.98M
Shares Change (YoY) +1.37%
Shares Change (QoQ) +0.22%
Owned by Insiders (%) 14.79%
Owned by Institutions (%) 37.41%
Float 12.83M

Valuation Ratios

The trailing PE ratio is 9.86.

PE Ratio 9.86
Forward PE n/a
PS Ratio 1.41
Forward PS n/a
PB Ratio 0.69
P/TBV Ratio 0.78
P/FCF Ratio 2,078.92
P/OCF Ratio 45.07
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 13.54
EV / Sales 1.91
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 2,813.66

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 1,705.32
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 7.28%.

Return on Equity (ROE) 7.28%
Return on Assets (ROA) 0.59%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 3.59%
Revenue Per Employee $194,215
Profits Per Employee $27,389
Employee Count311
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, ASRV has paid $1.86 million in taxes.

Income Tax 1.86M
Effective Tax Rate 17.95%

Stock Price Statistics

The stock price has increased by +65.13% in the last 52 weeks. The beta is 0.42, so ASRV's price volatility has been lower than the market average.

Beta (5Y) 0.42
52-Week Price Change +65.13%
50-Day Moving Average 4.24
200-Day Moving Average 3.70
Relative Strength Index (RSI) 62.44
Average Volume (20 Days) 28,709

Short Selling Information

The latest short interest is 206,424, so 1.22% of the outstanding shares have been sold short.

Short Interest 206,424
Short Previous Month 80,806
Short % of Shares Out 1.22%
Short % of Float 1.61%
Short Ratio (days to cover) 12.35

Income Statement

In the last 12 months, ASRV had revenue of $60.40 million and earned $8.52 million in profits. Earnings per share was $0.51.

Revenue60.40M
Gross Profit 60.40M
Operating Income 11.29M
Pretax Income 10.38M
Net Income 8.52M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $0.51
Full Income Statement

Balance Sheet

The company has $39.79 million in cash and $69.92 million in debt, with a net cash position of -$30.12 million or -$1.77 per share.

Cash & Cash Equivalents 39.79M
Total Debt 69.92M
Net Cash -30.12M
Net Cash Per Share -$1.77
Equity (Book Value) 123.08M
Book Value Per Share 7.26
Working Capital -1.23B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.89 million and capital expenditures -$1.85 million, giving a free cash flow of $41,000.

Operating Cash Flow 1.89M
Capital Expenditures -1.85M
Depreciation & Amortization n/a
Net Borrowing -15.61M
Free Cash Flow 41,000
FCF Per Share $0.00
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 18.70%
Pretax Margin 17.19%
Profit Margin 14.10%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 0.07%

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 2.39%.

Dividend Per Share $0.12
Dividend Yield 2.39%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 23.57%
Buyback Yield -1.37%
Shareholder Yield 1.02%
Earnings Yield 9.99%
FCF Yield 0.05%
Dividend Details

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 3