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Ameriserv Financial Inc

ASRV

2.880USD

+0.020+0.70%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

47.58MMarket Cap

12.87P/E TTM



Ameriserv Financial Inc

2.880

+0.020+0.70%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

197 / 400

Overall Ranking

394 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

AmeriServ Financial, Inc. is the parent of AmeriServ Financial Bank (the Bank). The Bank provides full-service banking and wealth management services through 16 community offices in southwestern Pennsylvania and Hagerstown, Maryland. The Bank also operates loan production offices in Altoona and Monroeville, Pennsylvania. The Bank provides retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, and money orders; and lending, depository and related financial services to commercial, industrial, financial, and governmental customers, such as commercial real estate mortgage loans (CRE), short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, and others. AmeriServ Wealth & Capital Management is a division of the Bank.

Growing

The company is in a growing phase, with the latest annual income totaling USD 49.77M.

Turnaround to Profit

The company's performance has turned profitable, with the latest annual net income of USD 3.60M.%!(EXTRA int=2)

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 56.10%.

Fairly Valued

The company’s latest PB is 0.43, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 9.77M shares, decreasing 4.26% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 780.93K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.52.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 6.43, which is lower than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 13.48M, representing a year-over-year increase of 9.82%, while its net profit experienced a year-over-year increase of 24.80%.

Score

Industry at a Glance

Previous score

6.43

Change



Financials

6.01

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.54

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

4.48

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.13

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 12.81, which is -8.85% below the recent high of 11.68 and 202.75% above the recent low of -13.16.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 197/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 6.85, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 3.04 and the support level at 2.74, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.85

Change

0.12

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(5)

Neutral(2)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

-0.009

Sell

RSI(14)

45.433

Neutral

STOCH(KDJ)(9,3,3)

37.689

Sell

ATR(14)

0.127

Low Volatility

CCI(14)

-46.083

Neutral

Williams %R

73.324

Sell

TRIX(12,20)

-0.085

Sell

StochRSI(14)

11.782

Sell

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

2.950

Sell

MA10

2.908

Sell

MA20

2.961

Sell

MA50

2.971

Sell

MA100

2.873

Buy

MA200

2.722

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 59.13%, representing a quarter-over-quarter decrease of 0.57%. The largest institutional shareholder is The Vanguard, holding a total of 780.93K shares, representing 4.73% of shares outstanding, with 8.10% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Tontine Asset Management, LLC

1.64M

SB Value Partners LP

1.35M

+2.41%

Dimensional Fund Advisors, L.P.

1.16M

+0.86%

West Chester Capital Advisors Inc.

902.36K

+12.54%

The Vanguard Group, Inc.

Star Investors

722.38K

Renaissance Technologies LLC

Star Investors

570.17K

-1.28%

Pasquerilla (Mark E)

516.11K

+1.92%

O'Malley (Margaret A)

370.11K

+0.18%

Oppenheimer + Close, LLC

352.58K

Kunkle (Kim W)

242.93K

+4.16%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 5.12, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.56. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.