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ASRV
Ameriserv Financial Inc
NASDAQ· Financial Services· Banks - Regional· CUSIP 03074A102
$4.80-1.03%Price as of Aug 29, 18:33 UTC · updated once a day, after the close
Key metrics
- Market cap
- $81.5M
- P/E
- 9.4x
- Forward P/E
- —
- P/B
- 0.7x
- Dividend yield
- 2.50%
- Payout
- 23.53%
- EPS
- $0.51
- ROE
- 7.28%
- Profit margin
- 14.10%
- Revenue growth
- +42.60%
- Beta
- 0.42
- 52-week high
- $5.38
- 52-week low
- $2.80
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +17.3% over 5Y.
today you would have $1,452.66▲ +45.3%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 17 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $3.19 | $2.68 | $3.24 | $3.94 | $3.86 | $3.13 | $4.20 | $4.03 | $4.15 | $3.70 | $3.20 | $3.13 | $3.03 | $3.01 | $1.95 | $1.58 | $1.67 | |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$9.12
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$3.68
Earnings growing 4.7% a year plus a 2.5% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$6.83
Median P/E of 13.4 among peers in the sector.
Earnings
$5.94
Median P/E of 11.7 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
$4.95
Cash flow growing 4.7% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| CPBICentral Plains Bancshares, Inc. | $20.99 | 17.8x | 0.9x | — | 5.15% | $81.59M |
| IORIncome Opportunity Realty Investors Inc | $20.02 | 22.0x | 0.6x | — | 2.96% | $81.4M |
| FVNFuture Vision II Acquisition Corp. | $10.81 | 43.2x | — | — | 91.46% | $81.66M |
| BTCSBTCS Inc. |
About the company
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.
- 297
- Johnstown, United States
Company description provided by Yahoo Finance.