Logo image of ASRV

AMERISERV FINANCIAL INC (ASRV) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ASRV - US03074A1025 - Common Stock

3.02 USD
-0.08 (-2.58%)
Last: 12/19/2025, 8:00:00 PM
Fundamental Rating

3

ASRV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of ASRV have multiple concerns. ASRV has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M 6M 8M

1.2 Ratios

The Return On Assets of ASRV (0.35%) is worse than 84.79% of its industry peers.
The Return On Equity of ASRV (4.42%) is worse than 80.41% of its industry peers.
Industry RankSector Rank
ROA 0.35%
ROE 4.42%
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

With a Profit Margin value of 8.73%, ASRV is not doing good in the industry: 85.82% of the companies in the same industry are doing better.
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) 8.73%
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

More info and screens

2

2. Health

2.1 Basic Checks

ASRV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ASRV has been reduced compared to 1 year ago.
The number of shares outstanding for ASRV has been reduced compared to 5 years ago.
The debt/assets ratio for ASRV has been reduced compared to a year ago.
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 5.98, which is a neutral value as it means it would take ASRV, 5.98 years of fcf income to pay off all of its debts.
ASRV's Debt to FCF ratio of 5.98 is on the low side compared to the rest of the industry. ASRV is outperformed by 74.23% of its industry peers.
ASRV has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
ASRV has a Debt to Equity ratio of 0.26. This is in the lower half of the industry: ASRV underperforms 64.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 5.98
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

More info and screens

3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 304.52% over the past year.
ASRV shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.35% yearly.
The Revenue has grown by 12.76% in the past year. This is quite good.
ASRV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.47% yearly.
EPS 1Y (TTM)304.52%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%115.08%
Revenue 1Y (TTM)12.76%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%17.71%

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

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.74, the valuation of ASRV can be described as very reasonable.
Based on the Price/Earnings ratio, ASRV is valued cheaper than 84.79% of the companies in the same industry.
ASRV is valuated cheaply when we compare the Price/Earnings ratio to 26.38, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.74
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 cheaper than the industry average as 67.27% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.17
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

More info and screens

6

5. Dividend

5.1 Amount

ASRV has a Yearly Dividend Yield of 3.87%.
ASRV's Dividend Yield is rather good when compared to the industry average which is at 2.73. ASRV pays more dividend than 81.19% of the companies in the same industry.
ASRV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
Industry RankSector Rank
Dividend Yield 3.87%

5.2 History

The dividend of ASRV has a limited annual growth rate of 4.89%.
ASRV has paid a dividend for at least 10 years, which is 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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.
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 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

More info and screens

AMERISERV FINANCIAL INC

NASDAQ:ASRV (12/19/2025, 8:00:00 PM)

3.02

-0.08 (-2.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28
Earnings (Next)01-19 2026-01-19
Inst Owners41.74%
Inst Owner Change-0.37%
Ins Owners12.75%
Ins Owner Change0.52%
Market Cap49.89M
Revenue(TTM)57.94M
Net Income(TTM)5.06M
Analysts0
Price TargetN/A
Short Float %0.71%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend0.12
Dividend Growth(5Y)4.89%
DP39.18%
Div Incr Years0
Div Non Decr Years2
Ex-Date11-03 2025-11-03 (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 9.74
Fwd PE N/A
P/S 0.86
P/FCF 10.17
P/OCF 9.39
P/B 0.44
P/tB 0.49
EV/EBITDA N/A
EPS(TTM)0.31
EY10.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.3
FCFY9.83%
OCF(TTM)0.32
OCFY10.65%
SpS3.51
BVpS6.94
TBVpS6.11
PEG (NY)N/A
PEG (5Y)N/A
Graham Number6.96
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)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-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
WACC7.11%
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)304.52%
EPS 3Y-19.45%
EPS 5Y-9.35%
EPS Q2Q%115.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.76%
Revenue growth 3Y-1.68%
Revenue growth 5Y1.47%
Sales Q2Q%17.71%
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-30.64%
FCF growth 3Y-51.77%
FCF growth 5Y-13.96%
OCF growth 1Y-37.79%
OCF growth 3Y-35.34%
OCF growth 5Y-11.29%

AMERISERV FINANCIAL INC / ASRV FAQ

What is the fundamental rating for ASRV stock?

ChartMill assigns a fundamental rating of 3 / 10 to ASRV.


What is the valuation status of AMERISERV FINANCIAL INC (ASRV) stock?

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.


What is the valuation of AMERISERV FINANCIAL INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AMERISERV FINANCIAL INC (ASRV) is 9.74 and the Price/Book (PB) ratio is 0.44.


Is the dividend of AMERISERV FINANCIAL INC sustainable?

The dividend rating of AMERISERV FINANCIAL INC (ASRV) is 6 / 10 and the dividend payout ratio is 39.18%.