AmeriServ Financial, Inc. (ASRV) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
AmeriServ Financial, Inc. operates as the holding company for AmeriServ Financial Bank, providing a broad spectrum of financial products to individual consumers, mortgage borrowers, and commercial clients. Its retail banking services encompass various deposit accounts, including checking, money market, savings, and time deposits.
Analysis Summary
AmeriServ Financial, Inc. reported revenue of $88.3M in the most recent fiscal year, growing at a 5-year CAGR of 6.9%. Net income reached $5.6M, with a 4.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 67.4%, operating margin 11.6%, net margin 9.5%.
At the current price of $4.70, ASRV trades at a P/E of 9.25 and an ROE of 7.13%. Market capitalisation stands at $80M.
Balance sheet quality for ASRV: current ratio of 0.1, net debt of $6.3M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is below average: free cash flow of $2.1M represents 37% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $4.70 |
| Market Cap | $80M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 9.25 |
| Price / Book | 0.65 |
| EV / EBITDA | 11.00 |
| Dividend Yield | 2.56% |
Profitability
| Return on Equity | 7.13% |
| Return on Invested Capital | 15.13% |
| Return on Assets | 0.58% |
| Gross Margin | 67.45% |
| Operating Margin | 11.59% |
| Net Margin | 9.51% |
Financial Health
| Debt / Equity | 0.54 |
| Current Ratio | 5.31 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| ASRV | AmeriServ Financial, Inc. | $80M | 9.25 | 0.65 | 7.1% |
| 0O84.L | DNB Bank ASA | $485.9B | |||
| MFG | Mizuho Financial Group, Inc. | $134.9B | 15.66 | 1.86 | 12.3% |
| HDB | HDFC Bank Limited | $116.2B | 13.52 | 1.76 | |
| IBN | ICICI Bank Limited | $100.8B | 16.87 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.7B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $93.1B | 12.80 | 1.47 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.6B | 13.13 | 1.51 |
Price Performance
| 1 month | -5.05% |
| 3 months | +20.82% |
| Year-to-date | +47.34% |
| 1 year | +64.34% |
| 3 years | +67.26% |
52-Week Range
| 52-week High | $5.38 |
| 52-week Low | $2.83 |
| Avg Volume (90d) | 17K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-03 | $0.0300 | 2.55% |
| 2026-05-04 | $0.0300 | 2.55% |
| 2026-02-02 | $0.0300 | 2.55% |
| 2025-11-03 | $0.0300 | 2.55% |
| 2025-08-04 | $0.0300 | 2.55% |
| 2025-05-05 | $0.0300 | 2.55% |
| 2025-02-03 | $0.0300 | 2.55% |
| 2024-11-04 | $0.0300 | 2.55% |
| 2024-08-05 | $0.0300 | 2.55% |
| 2024-05-03 | $0.0300 | 2.55% |
Related companies: BYFC · CASH · CLST · FSEA · HFBL · OPHC · PBBK
Explore sector: Financial Services · Banks - Regional
More sections of ASRV: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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