Symbols / ASRV Stock $3.83 -1.03% AmeriServ Financial, Inc.

Financial Services • Banks - Regional • United States • NGM
ASRV (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Jeffrey A. Stopko CPA
Exch · Country NGM · United States
Market Cap 64.97M
Enterprise Value 125.48M
Income 5.50M
Sales 55.56M
FCF (ttm) —
Book/sh 7.12
Cash/sh 0.42
Employees 299
Insider 10d —
IPO Jan 30, 1985
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 36.36%
P/E 11.61
Forward P/E —
PEG 0.95
P/S 1.17
P/B 0.54
P/C —
EV/EBITDA —
EV/Sales 2.26
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.33
EPS next Y —
EPS Growth -8.20%
Revenue Growth 3.00%
EPS Gr Q/Q -6.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2012-01-24
ROA 0.38%
ROE 4.75%
ROIC —
Gross Margin 0.00%
Oper. Margin 16.67%
Profit Margin 9.90%
Shs Outstand 16.96M
Shs Float 12.87M
Insider Own 26.33%
Instit Own 39.44%
Short Float 0.63%
Short Ratio 7.86
Short Interest 98.49K
52W High 4.04
vs 52W High -5.20%
52W Low 2.48
vs 52W Low 54.44%
Beta 0.46
Impl. Vol. 1.36%
Rel Volume 0.35
Avg Volume 12.43K
Volume 4.31K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $3.87
Price $3.83
Change -1.03%
About

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$3.83
Latest analyst target
3. DCF / Fair value
$4.95
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$3.83
Low
—
High
—
Mean
—
News
RSS: Latest ASRV news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-05 STOPKO JEFFREY A Officer — 3,000 $3.85 $11,550
2026-02-17 FINUI DAVID ALLEN Officer — 9 $3.84 $35
2026-02-17 KUNKLE KIM W Director — 1,314 $3.84 $5,040
2026-02-17 ONORATO DANIEL A. Director — 440 $3.84 $1,688
2026-02-17 HICKTON DAVID J. Director — 199 $3.84 $763
2026-02-17 BLOOMINGDALE RICHARD W. Director — 226 $3.84 $867
2026-01-23 LYNCH MICHAEL D Chief Financial Officer — 3,000 $2.96 $8,880
2025-12-31 STOPKO JEFFREY A Officer — 4,379 $3.19 $13,969
2025-11-17 FINUI DAVID ALLEN Officer — 10 $3.28 $33
2025-11-17 KUNKLE KIM W Director — 1,519 $3.28 $4,984
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
59.25
+9.68%
54.02
+3.08%
52.41
-8.46%
57.26
Operating Revenue
59.25
+9.68%
54.02
+3.08%
52.41
-8.46%
57.26
Selling General And Administration
29.93
+1.76%
29.41
-3.08%
30.34
+4.61%
29.01
General And Administrative Expense
29.93
+1.76%
29.41
-3.08%
30.34
+4.61%
29.01
Salaries And Wages
28.94
+1.94%
28.39
-4.19%
29.63
+3.99%
28.49
Other Gand A
—
—
—
0.65
Reconciled Depreciation
2.10
+0.72%
2.08
+0.43%
2.07
-1.05%
2.10
Total Unusual Items
—
—
0.00
0.00
Total Unusual Items Excluding Goodwill
—
—
0.00
0.00
Special Income Charges
—
—
0.00
0.00
Restructuring And Mergern Acquisition
—
—
0.00
0.00
Net Income
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Pretax Income
6.80
+54.49%
4.40
+200.25%
-4.39
-147.69%
9.20
Net Interest Income
42.26
+17.24%
36.05
+0.08%
36.02
-11.20%
40.56
Interest Expense
29.09
-4.49%
30.46
+22.61%
24.84
+192.41%
8.49
Interest Income
71.35
+7.29%
66.50
+9.28%
60.86
+24.06%
49.06
Gain On Sale Of Security
0.00
0.00
-100.00%
0.83
0.00
Tax Provision
1.18
+48.37%
0.80
+176.58%
-1.04
-159.44%
1.75
Tax Rate For Calcs
0.00
-3.96%
0.00
-23.46%
0.00
+24.08%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Net Income From Continuing Operation Net Minority Interest
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Net Income From Continuing And Discontinued Operation
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Net Income Continuous Operations
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Normalized Income
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Net Income Common Stockholders
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Diluted EPS
0.34
+61.90%
0.21
+205.00%
-0.20
-146.51%
0.43
Basic EPS
0.34
+61.90%
0.21
+205.00%
-0.20
-145.45%
0.44
Basic Average Shares
16.52
-1.68%
16.80
-1.99%
17.14
+0.21%
17.11
Diluted Average Shares
16.52
-1.68%
16.80
-1.99%
17.14
-0.01%
17.15
Diluted NI Availto Com Stockholders
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Insurance And Claims
0.99
-3.33%
1.02
+42.80%
0.71
+38.83%
0.52
Occupancy And Equipment
4.54
+0.80%
4.51
-0.73%
4.54
+0.46%
4.52
Other Non Interest Expense
10.11
+0.71%
10.04
+9.52%
9.17
-18.64%
11.27
Professional Expense And Contract Services Expense
3.75
-21.51%
4.78
-10.02%
5.32
+65.64%
3.21
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,453.81
+2.21%
1,422.36
+2.35%
1,389.64
+1.89%
1,363.87
Cash And Cash Equivalents
50.89
+186.77%
17.75
+26.51%
14.03
-38.91%
22.96
Cash Equivalents
—
—
—
0.00
Cash Financial
11.47
-17.41%
13.89
+43.53%
9.68
-48.60%
18.83
Other Short Term Investments
10.85
-93.03%
155.62
-6.09%
165.71
-7.69%
179.51
Receivables
5.56
+1.29%
5.49
-0.78%
5.53
+15.09%
4.80
Accounts Receivable
5.56
+1.29%
5.49
-0.78%
5.53
+15.09%
4.80
Net PPE
17.43
-3.75%
18.11
+5.41%
17.18
-1.85%
17.50
Gross PPE
42.36
-4.00%
44.13
-0.46%
44.33
+0.81%
43.98
Accumulated Depreciation
-24.93
+4.17%
-26.02
+4.18%
-27.15
-2.57%
-26.47
Land And Improvements
1.23
+0.00%
1.23
+0.00%
1.23
+0.00%
1.23
Buildings And Improvements
28.23
-4.95%
29.70
-3.03%
30.62
+1.81%
30.08
Machinery Furniture Equipment
8.18
+0.99%
8.10
-1.95%
8.26
-2.02%
8.43
Other Properties
3.50
-9.79%
3.88
+28.09%
3.03
-0.43%
3.04
Leases
1.24
+0.57%
1.23
+2.76%
1.20
-0.50%
1.20
Goodwill And Other Intangible Assets
13.67
-0.15%
13.69
-0.18%
13.71
-0.20%
13.74
Goodwill
13.61
+0.00%
13.61
+0.00%
13.61
+0.00%
13.61
Other Intangible Assets
0.06
-27.27%
0.08
-23.76%
0.10
-21.09%
0.13
Investments And Advances
255.74
+16.53%
219.46
-4.46%
229.69
-4.85%
241.39
Total Liabilities Net Minority Interest
1,334.50
+1.47%
1,315.11
+2.16%
1,287.36
+2.36%
1,257.70
Current Debt And Capital Lease Obligation
0.00
-100.00%
14.64
-64.25%
40.95
-53.80%
88.64
Current Debt
0.00
-100.00%
14.64
-64.25%
40.95
-53.80%
88.64
Other Current Borrowings
0.00
-100.00%
14.64
-64.25%
40.95
-53.80%
88.64
Long Term Debt And Capital Lease Obligation
75.31
-13.48%
87.05
+16.67%
74.61
+50.01%
49.73
Long Term Debt
71.38
-13.77%
82.78
+16.19%
71.25
+53.52%
46.41
Long Term Capital Lease Obligation
3.93
-7.84%
4.26
+26.89%
3.36
+1.05%
3.32
Non Current Deferred Liabilities
1.64
—
—
—
Non Current Deferred Taxes Liabilities
1.64
—
—
—
Stockholders Equity
119.31
+11.25%
107.25
+4.86%
102.28
-3.67%
106.18
Common Stock Equity
119.31
+11.25%
107.25
+4.86%
102.28
-3.67%
106.18
Capital Stock
0.27
+0.75%
0.27
+0.00%
0.27
+0.37%
0.27
Common Stock
0.27
+0.75%
0.27
+0.00%
0.27
+0.37%
0.27
Share Issued
26.78
+0.01%
26.78
+0.00%
26.78
+0.11%
26.75
Ordinary Shares Number
16.52
+0.02%
16.52
-3.66%
17.15
+0.17%
17.12
Treasury Shares Number
10.26
+0.00%
10.26
+6.52%
9.63
+0.00%
9.63
Additional Paid In Capital
147.07
+0.48%
146.37
+0.01%
146.36
+0.10%
146.22
Retained Earnings
64.11
+6.00%
60.48
+2.68%
58.90
-10.06%
65.49
Gains Losses Not Affecting Retained Earnings
-7.35
+51.28%
-15.08
+24.49%
-19.98
+11.30%
-22.52
Treasury Stock
84.79
+0.00%
84.79
+1.81%
83.28
+0.00%
83.28
Other Equity Adjustments
-7.35
+51.28%
-15.08
+24.49%
-19.98
+11.30%
-22.52
Total Equity Gross Minority Interest
119.31
+11.25%
107.25
+4.86%
102.28
-3.67%
106.18
Total Capitalization
190.69
+0.35%
190.03
+9.51%
173.52
+13.72%
152.59
Invested Capital
190.69
-6.83%
204.67
-4.57%
214.47
-11.09%
241.23
Total Debt
75.31
-25.94%
101.69
-12.00%
115.56
-16.49%
138.37
Net Debt
20.49
-74.28%
79.68
-18.84%
98.17
-12.42%
112.09
Capital Lease Obligations
3.93
-7.84%
4.26
+26.89%
3.36
+1.05%
3.32
Net Tangible Assets
105.64
+12.92%
93.56
+5.64%
88.56
-4.19%
92.44
Tangible Book Value
105.64
+12.92%
93.56
+5.64%
88.56
-4.19%
92.44
Available For Sale Securities
167.79
—
—
—
Cash Cash Equivalents And Federal Funds Sold
50.89
+186.77%
17.75
+26.51%
14.03
-38.91%
22.96
Held To Maturity Securities
69.85
+9.42%
63.84
-0.22%
63.98
+3.40%
61.88
Trading Securities
7.25
0.00
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
3.19
+18.61%
2.69
-57.27%
6.29
+20.71%
5.21
Cash Flow From Continuing Operating Activities
3.19
+18.61%
2.69
-57.27%
6.29
+20.71%
5.21
Net Income From Continuing Operations
5.61
+55.85%
3.60
+207.62%
-3.35
-144.92%
7.45
Depreciation Amortization Depletion
2.10
+0.72%
2.08
+0.43%
2.07
-1.05%
2.10
Depreciation
2.08
+0.87%
2.06
+0.59%
2.05
-0.92%
2.07
Amortization Cash Flow
0.02
-12.50%
0.02
-11.11%
0.03
-10.00%
0.03
Depreciation And Amortization
2.10
+0.72%
2.08
+0.43%
2.07
-1.05%
2.10
Amortization Of Intangibles
0.02
-12.50%
0.02
-11.11%
0.03
-10.00%
0.03
Other Non Cash Items
-2.24
+29.30%
-3.16
-36.32%
-2.32
+32.84%
-3.46
Stock Based Compensation
0.00
-100.00%
0.01
-82.22%
0.04
-10.00%
0.05
Deferred Tax
0.99
+3017.65%
-0.03
+93.98%
-0.56
-206.00%
0.53
Deferred Income Tax
0.99
+3017.65%
-0.03
+93.98%
-0.56
-206.00%
0.53
Operating Gains Losses
-0.12
+33.33%
-0.17
-123.11%
0.75
+462.02%
-0.21
Gain Loss On Investment Securities
—
0.00
-100.00%
0.92
0.00
Unrealized Gain Loss On Investment Securities
-7.25
0.00
—
—
Change In Working Capital
0.30
+165.73%
-0.46
-120.27%
2.27
+364.73%
-0.86
Change In Receivables
-0.07
-265.12%
0.04
+105.93%
-0.72
+11.59%
-0.82
Changes In Account Receivables
-0.07
-265.12%
0.04
+105.93%
-0.72
+11.59%
-0.82
Change In Payables And Accrued Expense
0.55
+264.78%
-0.34
-110.92%
3.07
+6720.00%
0.04
Change In Payable
0.55
+264.78%
-0.34
-110.92%
3.07
+6720.00%
0.04
Change In Account Payable
0.55
+264.78%
-0.34
-110.92%
3.07
+6720.00%
0.04
Change In Other Working Capital
-0.18
-5.33%
-0.17
-141.43%
-0.07
+16.67%
-0.08
Investing Cash Flow
11.07
+147.92%
-23.10
+42.24%
-39.99
+28.94%
-56.28
Cash Flow From Continuing Investing Activities
11.07
+147.92%
-23.10
+42.24%
-39.99
+28.94%
-56.28
Net PPE Purchase And Sale
-1.12
+34.31%
-1.71
-23.90%
-1.38
+33.61%
-2.08
Purchase Of PPE
-1.12
+34.31%
-1.71
-23.90%
-1.38
+33.61%
-2.08
Capital Expenditure
-1.12
+34.31%
-1.71
-23.90%
-1.38
+33.61%
-2.08
Net Investment Purchase And Sale
-22.64
-311.85%
10.69
-5.36%
11.29
+124.96%
-45.24
Purchase Of Investment
-70.39
-208.71%
-22.80
+21.98%
-29.23
+57.83%
-69.31
Sale Of Investment
47.76
+42.61%
33.49
-17.35%
40.52
+68.29%
24.07
Net Business Purchase And Sale
—
—
0.00
0.00
Net Other Investing Changes
4.32
+202.59%
1.43
+47.01%
0.97
+147.36%
-2.05
Financing Cash Flow
18.89
-21.73%
24.13
-2.58%
24.77
-24.78%
32.93
Cash Flow From Continuing Financing Activities
18.89
-21.73%
24.13
-2.58%
24.77
-24.78%
32.93
Net Issuance Payments Of Debt
-26.27
-75.38%
-14.98
+35.21%
-23.12
-135.28%
65.53
Issuance Of Debt
1.91
-93.35%
28.70
-32.25%
42.37
0.00
Repayment Of Debt
-13.54
+22.08%
-17.38
+2.37%
-17.80
+22.98%
-23.11
Long Term Debt Issuance
1.91
-93.35%
28.70
-32.25%
42.37
0.00
Long Term Debt Payments
-13.54
+22.08%
-17.38
+2.37%
-17.80
+22.98%
-23.11
Net Long Term Debt Issuance
-11.63
-202.67%
11.33
-53.89%
24.57
+206.33%
-23.11
Net Short Term Debt Issuance
-14.64
+44.35%
-26.31
+44.83%
-47.69
-153.80%
88.64
Net Common Stock Issuance
0.00
+100.00%
-1.51
0.00
0.00
Common Stock Payments
0.00
+100.00%
-1.51
0.00
0.00
Common Stock Dividend Paid
-1.98
+1.88%
-2.02
+1.85%
-2.06
-4.63%
-1.97
Cash Dividends Paid
-1.98
+1.88%
-2.02
+1.85%
-2.06
-4.63%
-1.97
Repurchase Of Capital Stock
0.00
+100.00%
-1.51
0.00
0.00
Proceeds From Stock Option Exercised
0.01
0.00
-100.00%
0.09
-11.32%
0.11
Changes In Cash
33.15
+791.23%
3.72
+141.62%
-8.94
+50.74%
-18.14
Beginning Cash Position
17.75
+26.51%
14.03
-38.91%
22.96
-44.13%
41.10
End Cash Position
50.89
+186.77%
17.75
+26.51%
14.03
-38.91%
22.96
Free Cash Flow
2.06
+111.37%
0.98
-80.11%
4.91
+56.82%
3.13
Amortization Of Securities
-0.10
-228.95%
0.08
+55.10%
0.05
-54.63%
0.11
Sale Of Business
—
—
0.00
0.00
SEC Filings

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