ASRV
NEUTRAL
$3.89
Live
AmeriServ Financial, Inc. · NASDAQ
$2.23
52W Range
$4.04
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 21, 2026
Market cap
$65.99M
P/E
11.44
ROE
5.0%
Profit margin
10.2%
Debt/Equity
N/A
Dividend yield
3.04%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
ASRV presents a classic deep-value paradox: it is significantly undervalued relative to its Graham Number ($7.43) and Intrinsic Value ($10.03), trading at a low P/B of 0.54. However, the Piotroski F-Score of 3/9 indicates weak fundamental health, suggesting deteriorating operational efficiency or financial stability. While earnings growth is explosive at 74.8% YoY, the low ROE (4.95%) and bearish technical trend (10/100) offset the valuation appeal. The stock is a high-risk value play where the margin of safety is countered by poor health metrics.
Key Strengths
Significant undervaluation with P/B of 0.54
Strong earnings growth (74.8% YoY)
Price trades well below Graham Number ($7.43) and Intrinsic Value ($10.03)
Sustainable dividend payout ratio of 35.29%
Positive revenue growth (12.7% YoY)
Key Risks
Weak fundamental health indicated by Piotroski F-Score of 3/9
Very low Return on Equity (ROE) of 4.95%
Bearish technical trend (10/100)
Low Return on Assets (ROA) of 0.39%
Lack of analyst coverage and institutional guidance
AI Fair Value Estimate
Based on comprehensive analysis
$7.5
+92.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
90
70
60
20
65
AI Verdict
Speculative Value
Key drivers: Deep discount to book value, Poor Piotroski health score, Strong short-term earnings growth
Confidence
85%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- P/B 0.54
- P/E 11.44
- Price < Graham Number
Watchpoints
- Low ROE limits value realization
Future
70/100
Ref Growth rates
Positives
- 74.8% Earnings Growth
- 12.7% Revenue Growth
Watchpoints
- Regional bank sector volatility
Past
60/100
Ref Historical trends
Positives
- 1Y Change +78.7%
Watchpoints
- Historical earnings volatility in older data
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive profit margins
Watchpoints
- Piotroski F-Score 3/9 (Weak)
Dividend
65/100
Ref Yield, Payout
Positives
- 3.04% Yield
- Low payout ratio
Watchpoints
- Low absolute dividend rate
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$3.89
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ASRV and closest competitors.
Updated 2026-04-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ASRV
AmeriServ Financial, Inc.
Primary
|
+19.9% | +47.6% | +78.7% | +30.0% | +6.3% | +3.2% |
|
GEG
Great Elm Group, Inc.
Peer
|
-18.4% | -11.1% | +6.4% | -19.0% | -3.9% | +5.8% |
|
CCIF
Carlyle Credit Income Fund
Peer
|
-30.3% | -38.2% | -38.8% | -32.4% | +4.4% | -5.0% |
|
BYFC
Broadway Financial Corporation
Peer
|
-59.1% | -11.9% | +22.8% | -4.9% | -7.0% | -1.6% |
|
CXH
MFS Investment Grade Municipal Trust
Peer
|
+4.1% | +30.0% | +15.9% | +7.0% | +4.4% | -0.1% |
ASR
AmeriServ Financial, Inc.
Primary
5Y
+19.9%
3Y
+47.6%
1Y
+78.7%
6M
+30.0%
1M
+6.3%
1W
+3.2%
GEG
Great Elm Group, Inc.
Peer
5Y
-18.4%
3Y
-11.1%
1Y
+6.4%
6M
-19.0%
1M
-3.9%
1W
+5.8%
CCI
Carlyle Credit Income Fund
Peer
5Y
-30.3%
3Y
-38.2%
1Y
-38.8%
6M
-32.4%
1M
+4.4%
1W
-5.0%
BYF
Broadway Financial Corporation
Peer
5Y
-59.1%
3Y
-11.9%
1Y
+22.8%
6M
-4.9%
1M
-7.0%
1W
-1.6%
CXH
MFS Investment Grade Municipal Trust
Peer
5Y
+4.1%
3Y
+30.0%
1Y
+15.9%
6M
+7.0%
1M
+4.4%
1W
-0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.44
Forward P/E
N/A
PEG Ratio
0.95
P/B Ratio
0.54
P/S Ratio
1.2
EV/Revenue
1.51
EV/EBITDA
N/A
Market Cap
$65.99M
Profitability
Profit margins and return metrics
Profit Margin
10.18%
Operating Margin
13.21%
Gross Margin
N/A
ROE
4.95%
ROA
0.39%
Growth
Revenue and earnings growth rates
Revenue Growth
+12.7%
Earnings Growth
+74.8%
Q/Q Revenue Growth
+9.36%
Q/Q Earnings Growth
+62.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.58
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
9.4%
Total Assets
$1.5B
Liabilities
$1.3B
Equity
$0.1B
Debt/Equity
11.18x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
62%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-21
$N/A
2012-01-24
$0.07
+59.1% surprise
2011-10-18
$0.05
+38.9% surprise
2011-07-19
$0.08
+247.8% surprise
Financial Services Sector Comparison
Comparing ASRV against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
11.44
This Stock
vs
36.01
Sector Avg
-68.2%
(Discount)
Return on Equity (ROE)
4.95%
This Stock
vs
-0.73%
Sector Avg
-776.1%
(Below Avg)
Profit Margin
10.18%
This Stock
vs
91.62%
Sector Avg
-88.9%
(Weaker)
Revenue Growth
12.7%
This Stock
vs
35.27%
Sector Avg
-64.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ASRV
AmeriServ Financial, Inc.
|
NEUTRAL | $65.99M | 11.44 | 5.0% | 10.2% | $3.89 | |
|
GEG
Great Elm Group, Inc.
|
BEARISH | $65.49M | - | -20.4% | -60.6% | $2.0 | Compare |
|
CCIF
Carlyle Credit Income Fund
|
BEARISH | $67.84M | - | -% | -% | $3.2 | Compare |
|
BYFC
Broadway Financial Corporation
|
BEARISH | $68.17M | - | -8.9% | -75.6% | $7.33 | Compare |
|
CXH
MFS Investment Grade...
|
BEARISH | $68.46M | 417.5 | 0.2% | 2.1% | $8.35 | Compare |
ASRV
AmeriServ Financial, Inc.
NEUTRAL
Mkt Cap
$66M
P/E
11.4
ROE
5.0%
Price
$3.89
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-17 | FINUI DAVID ALLEN | Officer | Stock Award | 9 | $35 |
| 2026-02-17 | KUNKLE KIM W | Director | Stock Award | 1,314 | $5,040 |
| 2026-02-17 | ONORATO DANIEL A. | Director | Stock Award | 440 | $1,688 |
| 2026-02-17 | HICKTON DAVID J. | Director | Stock Award | 199 | $763 |
| 2026-02-17 | BLOOMINGDALE RICHARD W. | Director | Stock Award | 226 | $867 |
| 2026-01-23 | LYNCH MICHAEL D | Chief Financial Officer | Option Exercise | 3,000 | $8,880 |
| 2025-12-31 | STOPKO JEFFREY A | Officer | Stock Award | 4,379 | $13,969 |
| 2025-11-17 | FINUI DAVID ALLEN | Officer | Stock Award | 10 | $33 |
| 2025-11-17 | KUNKLE KIM W | Director | Stock Award | 1,519 | $4,984 |
| 2025-11-17 | ONORATO DANIEL A. | Director | Stock Award | 509 | $1,670 |
| 2025-11-17 | HICKTON DAVID J. | Director | Stock Award | 230 | $755 |
| 2025-11-17 | BLOOMINGDALE RICHARD W. | Director | Stock Award | 261 | $856 |
| 2025-10-27 | LYNCH MICHAEL D | Chief Financial Officer | Option Exercise | 3,000 | $8,880 |
FINUI DAVID ALLEN
Officer
2026-02-17
9 shares
·
$35
KUNKLE KIM W
Director
2026-02-17
1,314 shares
·
$5,040
ONORATO DANIEL A.
Director
2026-02-17
440 shares
·
$1,688
HICKTON DAVID J.
Director
2026-02-17
199 shares
·
$763
BLOOMINGDALE RICHARD W.
Director
2026-02-17
226 shares
·
$867
LYNCH MICHAEL D
Chief Financial Officer
2026-01-23
3,000 shares
·
$8,880
STOPKO JEFFREY A
Officer
2025-12-31
4,379 shares
·
$13,969
FINUI DAVID ALLEN
Officer
2025-11-17
10 shares
·
$33
KUNKLE KIM W
Director
2025-11-17
1,519 shares
·
$4,984
ONORATO DANIEL A.
Director
2025-11-17
509 shares
·
$1,670
HICKTON DAVID J.
Director
2025-11-17
230 shares
·
$755
BLOOMINGDALE RICHARD W.
Director
2025-11-17
261 shares
·
$856
LYNCH MICHAEL D
Chief Financial Officer
2025-10-27
3,000 shares
·
$8,880
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning ASRV from our newsroom.
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No matching news yet.