AmeriServ Financial Inc.

ASRV | NASDAQ

Price Alert Chart Builder DCF Calculator

$4.76

-$0.03 (-0.63%)

At close: Sep 21, 2026, 3:59 PM ET

$4.65

-$0.11 (-2.31%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $81.26M

Enterprise Value $139.19M

Beta 0.42

Average Volume 16.23K

Shares Outstanding (Diluted) 16.97M

Shares Change YoY 2.71%

Institutional Ownership 39.34%

Exchange NASDAQ

ISIN US03074A1025

Price Performance

Price Change 1M -5.2%

Price Change 3M 24.6%

Price Change 6M 31.9%

Price Change YTD 45.1%

Price Change 1Y 66.4%

Price Change 3Y 77.6%

Price Change 5Y 22.7%

1M CAGR (ann.) 0.0%

1Y CAGR (ann.) 64.6%

5Y CAGR (ann.) 9.1%

All-Time CAGR 1.9%

Valuation

PE Ratio 9.33

Forward PE N/A

PEG Ratio 0.08

Forward PEG 0.08

PS Ratio 0.90

Forward PS N/A

PB Ratio 0.67

P/FCF Ratio 56.87

P/Adj. FCF Ratio 56.87

P/OCF Ratio 43.27

EV/Sales 1.55

EV/EBIT 13.41

EV/EBITDA 11.63

EV/FCF 98.02

Earnings Yield 10.7%

FCF Yield 1.8%

Adj. FCF Yield 1.8%

Financial Health

Net Debt $54.61M

Total Debt $71.5M

Cash & Short-Term Investments $13.06M

Total Assets $1.47B

Current Ratio 5.31

Quick Ratio 5.31

Debt / Equity Ratio 0.54

Debt / EBITDA 5.97

Debt / FCF 50.35

OCF / Debt 0.04

Interest Coverage 0.37

Altman Z-Score 0.20

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 67.5%

Operating Profit Margin 11.6%

EBITDA Margin 13.4%

Net Profit Margin 9.5%

FCF Margin 1.6%

Adj. FCF Margin 1.6%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 0.6%

Return on Equity 7.1%

Return on Invested Capital 15.1%

Return on Capital Employed 0.7%

Return on Tangible Assets 0.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 6.8%

Revenue CAGR 5Y 6.9%

Revenue CAGR 10Y 4.7%

EPS CAGR 3Y 25.2%

EPS CAGR 5Y 9.8%

EPS CAGR 10Y 12.3%

FCF CAGR 3Y -23.0%

FCF CAGR 5Y -21.7%

FCF CAGR 10Y -14.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 19, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $9.13

Graham Upside 91.8%

Lynch Fair Value $4.98

Lynch Upside 4.6%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $2.94M

Free Cash Flow $1.42M

Adj. Free Cash Flow $1.42M

FCF Per Share $0.05

OCF Per Share $0.11

OCF/S Ratio 2.1%

Income Statement

Revenue $89.55M

Gross Profit $60.4M

Operating Income $10.38M

EBITDA $11.97M

Net Income $8.52M

EPS (Diluted) $0.51

Revenue / Employee $300.5K

Profit / Employee $28.58K

Employees 298

Dividends

Annual Dividend $0.12

Dividend Yield 2.52%

Payout Ratio 23.5%

FCF Payout Ratio 140.4%

Adj. FCF Payout Ratio 140.4%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 2, 2026