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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
Value
90
Future
70
Past
60
Health
20
Dividend
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
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

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

FINUI DAVID ALLEN
Officer
Stock Award
2026-02-17
9 shares · $35
KUNKLE KIM W
Director
Stock Award
2026-02-17
1,314 shares · $5,040
ONORATO DANIEL A.
Director
Stock Award
2026-02-17
440 shares · $1,688
HICKTON DAVID J.
Director
Stock Award
2026-02-17
199 shares · $763
BLOOMINGDALE RICHARD W.
Director
Stock Award
2026-02-17
226 shares · $867
LYNCH MICHAEL D
Chief Financial Officer
Option Exercise
2026-01-23
3,000 shares · $8,880
STOPKO JEFFREY A
Officer
Stock Award
2025-12-31
4,379 shares · $13,969
FINUI DAVID ALLEN
Officer
Stock Award
2025-11-17
10 shares · $33
KUNKLE KIM W
Director
Stock Award
2025-11-17
1,519 shares · $4,984
ONORATO DANIEL A.
Director
Stock Award
2025-11-17
509 shares · $1,670
HICKTON DAVID J.
Director
Stock Award
2025-11-17
230 shares · $755
BLOOMINGDALE RICHARD W.
Director
Stock Award
2025-11-17
261 shares · $856
LYNCH MICHAEL D
Chief Financial Officer
Option Exercise
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
10-K
2026-03-18

ASRV filed its annual 10-K report on March 18, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures for analysis.

8-K
FORM 8-K
2026-03-04
8-K
8-K
2026-01-20
8-K
FORM 8-K
2026-01-07
10-Q
10-Q
2025-11-13
8-K
8-K
2025-10-21
8-K
8-K
2025-10-16
10-Q
10-Q
2025-08-11
8-K
FORM 8-K
2025-07-30
8-K
FORM 8-K
2025-07-29
8-K
8-K
2025-07-22
DEF 14A
DEF 14A
2025-06-16
10-Q
10-Q
2025-05-13
8-K
8-K
2025-04-22
8-K
FORM 8-K
2025-04-16
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning ASRV from our newsroom.

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