AMERISERV FINANCIAL INC (ASRV) Stock Fundamental Analysis

NASDAQ:ASRV • US03074A1025

3.52 USD
-0.03 (-0.85%)
Last: Feb 12, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

ASRV gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. ASRV may be in some trouble as it scores bad on both profitability and health. ASRV has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • ASRV had positive earnings in the past year.
  • In the past year ASRV had a positive cash flow from operations.
  • ASRV had positive earnings in 4 of the past 5 years.
  • Of the past 5 years ASRV 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2M -2M 4M 6M 8M

1.2 Ratios

  • ASRV's Return On Assets of 0.35% is on the low side compared to the rest of the industry. ASRV is outperformed by 84.51% of its industry peers.
  • With a Return On Equity value of 4.42%, ASRV is not doing good in the industry: 80.05% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.35%
ROE 4.42%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ASRV Yearly ROA, ROE, ROICASRV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 -2 4 6

1.3 Margins

  • ASRV has a Profit Margin of 8.73%. This is amonst the worse of the industry: ASRV underperforms 85.30% of its industry peers.
  • ASRV's Profit Margin has improved in the last couple of years.
  • ASRV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 8.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.05%
PM growth 5Y1.63%
GM growth 3YN/A
GM growth 5YN/A
ASRV Yearly Profit, Operating, Gross MarginsASRV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • ASRV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for ASRV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ASRV Yearly Shares OutstandingASRV Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

  • ASRV has a debt to FCF ratio of 5.98. This is a neutral value as ASRV would need 5.98 years to pay back of all of its debts.
  • ASRV has a worse Debt to FCF ratio (5.98) than 74.80% of its industry peers.
  • A Debt/Equity ratio of 0.26 indicates that ASRV is not too dependend on debt financing.
  • ASRV has a Debt to Equity ratio of 0.26. This is in the lower half of the industry: ASRV underperforms 62.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 5.98
Altman-Z N/A
ROIC/WACCN/A
WACC7%
ASRV Yearly LT Debt VS Equity VS FCFASRV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.35% over the past year.
  • ASRV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.69% yearly.
  • Looking at the last year, ASRV shows a quite strong growth in Revenue. The Revenue has grown by 9.68% in the last year.
  • ASRV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.39% yearly.
EPS 1Y (TTM)58.35%
EPS 3Y-7.57%
EPS 5Y4.69%
EPS Q2Q%61.9%
Revenue 1Y (TTM)9.68%
Revenue growth 3Y1.15%
Revenue growth 5Y2.39%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.35, the valuation of ASRV can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ASRV indicates a rather cheap valuation: ASRV is cheaper than 80.05% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of ASRV to the average of the S&P500 Index (27.67), we can say ASRV is valued rather cheaply.
Industry RankSector Rank
PE 10.35
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as ASRV.
Industry RankSector Rank
P/FCF 11.86
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)2.21
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • ASRV has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.53, 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 1.80.
Industry RankSector Rank
Dividend Yield 3.37%

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.
  • ASRV has decreased its dividend 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1

5.3 Sustainability

  • 39.18% of the earnings are spent on dividend by ASRV. This is a low number and sustainable payout ratio.
  • The dividend of ASRV is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.18%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/12/2026, 8:00:00 PM)

3.52

-0.03 (-0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners41.98%
Inst Owner Change-0.12%
Ins Owners12.75%
Ins Owner Change0.36%
Market Cap58.15M
Revenue(TTM)59.25M
Net Income(TTM)5.06M
Analysts0
Price TargetN/A
Short Float %0.55%
Short Ratio3.88
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend0.12
Dividend Growth(5Y)4.89%
DP39.18%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-02
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 10.35
Fwd PE N/A
P/S 1
P/FCF 11.86
P/OCF 10.94
P/B 0.51
P/tB 0.58
EV/EBITDA N/A
EPS(TTM)0.34
EY9.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.3
FCFY8.43%
OCF(TTM)0.32
OCFY9.14%
SpS3.51
BVpS6.94
TBVpS6.11
PEG (NY)N/A
PEG (5Y)2.21
Graham Number7.28
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 4.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.73%
GM N/A
FCFM 8.46%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-10.05%
PM growth 5Y1.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 5.98
Debt/EBITDA N/A
Cap/Depr 19.23%
Cap/Sales 0.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)58.35%
EPS 3Y-7.57%
EPS 5Y4.69%
EPS Q2Q%61.9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.68%
Revenue growth 3Y1.15%
Revenue growth 5Y2.39%
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 1Y358.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1156.03%
OCF growth 3YN/A
OCF growth 5YN/A

AMERISERV FINANCIAL INC / ASRV FAQ

What is the fundamental rating for ASRV stock?

ChartMill assigns a fundamental rating of 2 / 10 to ASRV.


Can you provide the valuation status for AMERISERV FINANCIAL INC?

ChartMill assigns a valuation rating of 3 / 10 to AMERISERV FINANCIAL INC (ASRV). This can be considered as Overvalued.


What is the profitability of ASRV stock?

AMERISERV FINANCIAL INC (ASRV) has a profitability rating of 2 / 10.


How sustainable is the dividend of AMERISERV FINANCIAL INC (ASRV) stock?

The dividend rating of AMERISERV FINANCIAL INC (ASRV) is 5 / 10 and the dividend payout ratio is 39.18%.