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AmeriServ Financial, Inc.(ASRV)Earnings, Financials & Key Ratios
ASRV•NASDAQ•Banking & Credit
$3.90
11.5× P/E·Price updated Jun 27, 2026
AboutAmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as 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. The company 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, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including 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 insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.Show more
- Net Interest Income$42M+17.2%
- Total Revenue$88M+4.6%
- Net Income$6M+55.8%
- Return on Equity4.95%+44.1%
- Net Interest Margin2.91%+14.7%
- Efficiency Ratio54.71%-5.2%
- ROA0.39%+52.4%
- Equity / Assets8.21%+8.8%
- Book Value per Share7.22+13.1%
ASRV Price & Volume
AmeriServ Financial, Inc. (ASRV) stock price & volume — 10-year historical chart
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Stagnant Margins Challenge AmeriServ's Capital Preservation Strategy
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial Position:Adequate
Cash Flow:Mixed
Primary Risk:Regional CRE concentration risk
"AmeriServ Financial faces a challenging outlook characterized by persistent net interest margin compression at 0.7% and significant earnings volatility driven by lumpy loan loss provisions. While the bank maintains a stable equity-to-assets ratio of 0.08, its heavy reliance on a $1.3 billion investment securities portfolio leaves it vulnerable to interest rate fluctuations. Investors should monitor the sustainability of the $0.5 million quarterly dividend payout, which appears increasingly strained by the bank's limited ability to generate meaningful operating leverage."
Verdict Logic
Negative: The bank's current P/B ratio of 0.54 and stagnant 0.7% net interest margin suggest limited upside potential given the persistent risks associated with its concentrated loan portfolio and high-cost branch footprint.
ASRV Growth Metrics
AmeriServ Financial, Inc. (ASRV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.45%
5 Years6.94%
3 Years10.35%
TTM-
Profit CAGR
10 Years-0.66%
5 Years4.07%
3 Years-9%
TTM52.51%
EPS CAGR
10 Years0.93%
5 Years4.72%
3 Years-7.53%
TTM47.72%
Return on Capital
10 Years3.2%
5 Years2.5%
3 Years1.02%
Last Year3.3%
Peers Comparison
Key metrics vs top competitors for AmeriServ Financial, Inc. (ASRV)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $3.90 | $66.16M | 11.47 | 4.57% | 6.35% | 4.95% | 3.07% | |
| $45.40 | $292.68M | 12.04 | 6.6% | 20.89% | 12.7% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $12.00 | $149.53M | 36.36 | 4.52% | 3.19% | 1.48% | — | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $30.54 | $276.11M | 15.58 | 27.11% | 18.05% | 11.51% | — |
Compare ASRV vs Peers
AmeriServ Financial, Inc. (ASRV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ASRV SEC Filings & Documents
AmeriServ Financial, Inc. (ASRV) SEC filings — annual & quarterly reports (10-K, 10-Q)
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ASRV Frequently Asked Questions
AmeriServ Financial, Inc. (ASRV) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is AmeriServ Financial, Inc. growing?
AmeriServ Financial, Inc. (ASRV) grew revenue by 4.6% over the past year. Growth has been modest.
Is ASRV profitable?
Yes, AmeriServ Financial, Inc. (ASRV) is profitable, generating $5.5M in net income for fiscal year 2025 (6.4% net margin).
Dividend & Returns
Does ASRV pay dividends?
Yes, AmeriServ Financial, Inc. (ASRV) pays a dividend with a yield of 3.07%. This makes it attractive for income-focused investors.
What is ASRV's return on equity?
AmeriServ Financial, Inc. (ASRV) has a return on equity (ROE) of 5.0%. This is below average, suggesting room for improvement.
Industry Metrics
What is AmeriServ Financial, Inc.'s net interest margin?
AmeriServ Financial, Inc. (ASRV) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is AmeriServ Financial, Inc.'s efficiency ratio?
AmeriServ Financial, Inc. (ASRV) has an efficiency ratio of 54.7%. This is excellent, indicating strong cost control.