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AMERISERV FINANCIAL INC (ASRV) Stock Fundamental Analysis

USA - NASDAQ:ASRV - US03074A1025 - Common Stock

3.16 USD
-0.03 (-0.94%)
Last: 10/23/2025, 8:00:01 PM
Fundamental Rating

2

ASRV gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. ASRV has a bad profitability rating. Also its financial health evaluation is rather negative. ASRV is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ASRV had positive earnings in the past year.
ASRV had a positive operating cash flow in the past year.
ASRV had positive earnings in 4 of the past 5 years.
ASRV had a positive operating cash flow in 4 of the past 5 years.
ASRV Yearly Net Income VS EBIT VS OCF VS FCFASRV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M 8M

1.2 Ratios

ASRV has a worse Return On Assets (0.26%) than 84.65% of its industry peers.
ASRV has a Return On Equity of 3.33%. This is amonst the worse of the industry: ASRV underperforms 81.07% of its industry peers.
Industry RankSector Rank
ROA 0.26%
ROE 3.33%
ROIC N/A
ROA(3y)0.19%
ROA(5y)0.29%
ROE(3y)2.37%
ROE(5y)3.52%
ROIC(3y)N/A
ROIC(5y)N/A
ASRV Yearly ROA, ROE, ROICASRV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6

1.3 Margins

Looking at the Profit Margin, with a value of 6.65%, ASRV is doing worse than 86.70% of the companies in the same industry.
In the last couple of years the Profit Margin of ASRV has declined.
The Operating Margin and Gross Margin are not available for ASRV so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 6.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.77%
PM growth 5Y-11.11%
GM growth 3YN/A
GM growth 5YN/A
ASRV Yearly Profit, Operating, Gross MarginsASRV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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2

2. Health

2.1 Basic Checks

ASRV does not have a ROIC to compare to the WACC, probably because it is not profitable.
ASRV has less shares outstanding than it did 1 year ago.
ASRV has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ASRV has an improved debt to assets ratio.
ASRV Yearly Shares OutstandingASRV Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
ASRV Yearly Total Debt VS Total AssetsASRV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

The Debt to FCF ratio of ASRV is 10.75, which is on the high side as it means it would take ASRV, 10.75 years of fcf income to pay off all of its debts.
ASRV has a worse Debt to FCF ratio (10.75) than 78.77% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that ASRV is not too dependend on debt financing.
The Debt to Equity ratio of ASRV (0.29) is worse than 67.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 10.75
Altman-Z N/A
ROIC/WACCN/A
WACC7.11%
ASRV Yearly LT Debt VS Equity VS FCFASRV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASRV Yearly Current Assets VS Current LiabilitesASRV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

3. Growth

3.1 Past

ASRV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 223.43%, which is quite impressive.
The Earnings Per Share has been decreasing by -9.35% on average over the past years.
Looking at the last year, ASRV shows a quite strong growth in Revenue. The Revenue has grown by 8.31% in the last year.
ASRV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.47% yearly.
EPS 1Y (TTM)223.43%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%0%
Revenue 1Y (TTM)8.31%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%9.36%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
ASRV Yearly Revenue VS EstimatesASRV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
ASRV Yearly EPS VS EstimatesASRV Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 -0.05 -0.1 -0.15

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1

4. Valuation

4.1 Price/Earnings Ratio

ASRV is valuated correctly with a Price/Earnings ratio of 14.36.
68.29% of the companies in the same industry are cheaper than ASRV, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.67, ASRV is valued a bit cheaper.
Industry RankSector Rank
PE 14.36
Fwd PE N/A
ASRV Price Earnings VS Forward Price EarningsASRV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ASRV is valued a bit more expensive than the industry average as 65.73% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.52
EV/EBITDA N/A
ASRV Per share dataASRV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

ASRV has a Yearly Dividend Yield of 3.93%.
Compared to an average industry Dividend Yield of 3.55, ASRV pays a bit more dividend than its industry peers.
ASRV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 3.93%

5.2 History

The dividend of ASRV has a limited annual growth rate of 4.89%.
ASRV has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of ASRV decreased in the last 3 years.
Dividend Growth(5Y)4.89%
Div Incr Years0
Div Non Decr Years2
ASRV Yearly Dividends per shareASRV Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1

5.3 Sustainability

ASRV pays out 53.60% of its income as dividend. This is a bit on the high side, but may be sustainable.
ASRV's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP53.6%
EPS Next 2YN/A
EPS Next 3YN/A
ASRV Yearly Income VS Free CF VS DividendASRV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M 8M
ASRV Dividend Payout.ASRV Dividend Payout, showing the Payout Ratio.ASRV Dividend Payout.PayoutRetained Earnings

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AMERISERV FINANCIAL INC

NASDAQ:ASRV (10/23/2025, 8:00:01 PM)

3.16

-0.03 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/bmo
Earnings (Next)10-28 2025-10-28
Inst Owners41.9%
Inst Owner Change0.02%
Ins Owners6.61%
Ins Owner Change3.47%
Market Cap52.20M
Revenue(TTM)55.62M
Net Income(TTM)3.70M
Analysts0
Price TargetN/A
Short Float %0.42%
Short Ratio4.05
Dividend
Industry RankSector Rank
Dividend Yield 3.93%
Yearly Dividend0.12
Dividend Growth(5Y)4.89%
DP53.6%
Div Incr Years0
Div Non Decr Years2
Ex-Date08-04 2025-08-04 (0.03)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.36
Fwd PE N/A
P/S 0.94
P/FCF 17.52
P/OCF 14.21
P/B 0.47
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)0.22
EY6.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.18
FCFY5.71%
OCF(TTM)0.22
OCFY7.04%
SpS3.37
BVpS6.71
TBVpS5.89
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.77
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 3.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.65%
GM N/A
FCFM 5.36%
ROA(3y)0.19%
ROA(5y)0.29%
ROE(3y)2.37%
ROE(5y)3.52%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.77%
PM growth 5Y-11.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 10.75
Debt/EBITDA N/A
Cap/Depr 32.88%
Cap/Sales 1.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 80.58%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.11%
ROIC/WACCN/A
Cap/Depr(3y)82.59%
Cap/Depr(5y)75.01%
Cap/Sales(3y)3.15%
Cap/Sales(5y)2.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)223.43%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%0%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.31%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%9.36%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.16%
FCF growth 3Y-51.77%
FCF growth 5Y-13.96%
OCF growth 1Y-44.75%
OCF growth 3Y-35.34%
OCF growth 5Y-11.29%