ASRV AmeriServ Financial, Inc. - Fundamental Analysis
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ASRV Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$3.8
52W High
$3.93
52W Low
$2.03
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
ASRV's Piotroski F-Score of 2/9 indicates weak financial health, signaling significant concerns in operational efficiency and profitability sustainability. The absence of an Altman Z-Score raises red flags regarding bankruptcy risk, especially given the company's low ROE (4.95%) and minimal cash reserves. While the stock trades at a deep discount to its Graham Number ($7.43) and intrinsic value ($10.03), suggesting strong undervaluation, this is offset by poor financial health metrics and a bearish technical trend. The company exhibits impressive earnings growth (74.8% YoY) and strong historical EPS surprises, but these gains are not supported by robust balance sheet strength or consistent profitability. Overall, the stock presents a speculative opportunity with high risk.
Key Strengths
Significant undervaluation relative to Graham Number ($7.43) and intrinsic value ($10.03)
Exceptional earnings growth (74.8% YoY) and strong Q/Q EPS growth (+62.2%)
High historical EPS surprise average (115.27%) over the last four quarters
Positive dividend yield (3.16%) with a conservative payout ratio (35.29%)
Strong revenue growth (12.70% YoY) and consistent beat rate (3/4 in last 4 quarters)
Key Risks
Piotroski F-Score of 2/9 indicates severe financial distress and weak operational health
No Altman Z-Score available, implying inability to assess bankruptcy risk; low ROE (4.95%) and ROA (0.39%) suggest poor capital efficiency
Technical trend score of 10/100 signals strong bearish momentum and poor market sentiment
Lack of analyst coverage and target price data reduces transparency and confidence
Historical earnings volatility, including a massive -1014.3% surprise in 2005, indicates inconsistent performance
AI Fair Value Estimate
Based on comprehensive analysis
$10.03
+163.9% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare ASRV against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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