Back to Results

AmeriServ Financial Inc (ASRV)

Featured in High-Momentum Stocks Undervalued Banks/Financial Stocks

AmeriServ Financial, Inc. is a bank holding company for AmeriServ Financial Bank and its common stock is listed on NASDAQ under the ticker ASRV. Through its banking operations in the United States, the company provides a range of consumer, mortgage, and commercial financial products and services. Its retail banking activities include deposit accounts, consumer lending, mortgage lending, and services such as safe deposit boxes, holiday club accounts, and money orders. For commercial clients, AmeriServ Financial offers lending, depository, and related services including commercial real estate loans, revolving credit facilities, lines of credit, inventory and accounts receivable financing, construction lending, wire transfers, night depository, and lock box services. The company also provides wealth management, trust, mutual fund, annuity, and insurance-related services. Founded in 1983, AmeriServ Financial is based in Johnstown, Pennsylvania.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-ASRV
$4.79
-1.7% Downside
Fair
Not available
Not available
Fair
2.5%
October 20, 2026
9.7x
0.7x
1.4x
82.859 M
45.8%
75.6%
-2.0
23.6%
0.5%
Valuation • Fair Value

AmeriServ Financial Inc (NASDAQ-ASRV) Fair Value by Valuation Model

Review the available estimates for AmeriServ Financial Inc (NASDAQ-ASRV), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$4.79

Estimated downside of 1.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$5.57

Classic Ben Graham valuation formula reference.

DDM Fair Value

$6.25

Dividend discount model valuation reference.

Comps Fair Value

$4.30

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for AmeriServ Financial Inc (NASDAQ-ASRV) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for AmeriServ Financial Inc (NASDAQ-ASRV)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

60.401 M

Current operating scale indicator.

Revenue Forecast

56.235 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review AmeriServ Financial Inc (NASDAQ-ASRV) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for AmeriServ Financial Inc (NASDAQ-ASRV)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-2.0

Lower score that deserves closer risk review.

FCF / Net Income

0.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for AmeriServ Financial Inc (NASDAQ-ASRV). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for AmeriServ Financial Inc (NASDAQ-ASRV)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 20, 2026

Days to Earnings

33

Dividend Yield

2.5%

Current income yield reference.

Payout Ratio

23.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for AmeriServ Financial Inc (NASDAQ-ASRV), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for AmeriServ Financial Inc (NASDAQ-ASRV) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Sell

The 1-hour technical read for AmeriServ Financial Inc (NASDAQ-ASRV) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for AmeriServ Financial Inc (NASDAQ-ASRV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for AmeriServ Financial Inc (NASDAQ-ASRV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for AmeriServ Financial Inc (NASDAQ-ASRV) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ • Fast Investor Answers

AmeriServ Financial Inc (NASDAQ-ASRV) Stock FAQ

Data-supported answers about AmeriServ Financial Inc (NASDAQ-ASRV), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$4.79
Estimated downside 1.7%
Valuation Rating
Near Fair Value
Price is close to fair value
Financial Health
Fair
Current financial-health read

The current fair value estimate for AmeriServ Financial Inc (NASDAQ-ASRV) is $4.79. This implies an estimated downside of 1.7% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The current financial health read for AmeriServ Financial Inc (NASDAQ-ASRV) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for AmeriServ Financial Inc (NASDAQ-ASRV) is October 20, 2026.

Based on the current data, dividend yield is 2.5%.

The current P/E ratio listed for AmeriServ Financial Inc (NASDAQ-ASRV) is 9.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for AmeriServ Financial Inc is 82.859 M.

The ticker symbol for AmeriServ Financial Inc is NASDAQ-ASRV, and the stock is listed on NASDAQ.

AmeriServ Financial Inc (NASDAQ-ASRV) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for AmeriServ Financial Inc is 45.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for AmeriServ Financial Inc is 75.6%. Free float helps investors understand how much of the share base is available for public trading.

Similar Banks Stocks View more on NASDAQ

Comparable companies from the same industry, limited to one security per issuer.

JPM NYSE JPMorgan Chase & Co Fair Value Fair Market Cap 927.5 B
BAC NYSE Bank of America Corp Fair Value Undervalued Market Cap 404.9 B
HSBC NYSE HSBC Holdings PLC ADR Fair Value Fair Market Cap 346.2 B
RY NYSE Royal Bank of Canada Fair Value Fair Market Cap 280.1 B
MUFG NYSE Mitsubishi UFJ Financial Group Inc ADR Fair Value Overvalued Market Cap 264.1 B
WFC NYSE Wells Fargo & Company Fair Value Undervalued Market Cap 263.2 B
C NYSE Citigroup Inc Fair Value Fair Market Cap 223 B
SAN NYSE Banco Santander SA ADR Fair Value Fair Market Cap 210.5 B
TD NYSE Toronto Dominion Bank Fair Value Fair Market Cap 198.4 B
SMFG NYSE Sumitomo Mitsui Financial Group Inc Fair Value Fair Market Cap 166.2 B
BBVA NYSE Banco Bilbao Viscaya Argentaria SA ADR Fair Value Fair Market Cap 156.4 B
MFG NYSE Mizuho Financial Group Inc ADR Fair Value Fair Market Cap 133 B
BMO NYSE Bank Of Montreal Fair Value Fair Market Cap 120 B
HDB NYSE HDFC Bank Limited ADR Fair Value Undervalued Market Cap 114.6 B
BNS NYSE Bank of Nova Scotia Fair Value Undervalued Market Cap 113.2 B
ING NYSE ING Group NV ADR Fair Value Fair Market Cap 104.4 B
CM NYSE Canadian Imperial Bank of Commerce Fair Value Undervalued Market Cap 102.6 B
IBN NYSE Icici Bank Limited ADR Fair Value Fair Market Cap 100.8 B
ITUB NYSE Itau Unibanco Banco Holding SA Fair Value Fair Market Cap 95.569 B
USB NYSE U.S. Bancorp Fair Value Fair Market Cap 93.062 B