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AmeriServ Financial Inc.

ASRV Financial Banks Regional

AmeriServ Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $88.3 million, up 4.57% from fiscal 2024.

Revenue
+4.04%
EPS
+900.0%
Free cash flow
−756.9%
Total debt
−16.5%

Quarter to June 2026, against a year earlier

4.89 0.12 +2.52%
Market cap
$82.9M
P/E
9.6×
Fwd P/E
0.0×
Dividend yield
2.45%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Sold, $m 0.05
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 1 — — — 1 — —
Sell — — — — — — — — 1 — — —
Insider Ownership 24.37%

Capital & Financial Ratios $m

Size
Market Cap 82.91
Revenue ttm 89.55
Net income ttm 8.52
Free cash flow ttm 0.13
Net debt Q 28.75
Valuation
P/E 9.59
Forward P/E 0.00
Price / sales 0.93
Forward P/S Powerpack
Price / FCF 658.36
Price / book 0.67
Financial health
Current ratio Q 0.83
Debt / equity Q 0.53
Interest coverage Q —
Growth
Revenue growth Q +4.04% (above 0%: growing)
Operating income growth Q +1,065.63% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A −100.00% (below 0%: weak)
EPS, past 5 yrs +4.72%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 27.42%
10-year low 10-year high
P/S against its own 10 years 40.74%
10-year low 10-year high
P/B against its own 10 years 67.29%
10-year low 10-year high

Dividends

Yield
2.45%
Annual rate
0.12
Payout ratio
23.5%
Growth, 2018–26
+6.05%/yr
  1. 0.08 ’18
  2. 0.10 ’19 +27
  3. 0.10 ’20 +5
  4. 0.10 ’21 +0
  5. 0.12 ’22 +15
  6. 0.12 ’23 +4
  7. 0.12 ’24 +0
  8. 0.12 ’25 +0
  9. 0.12 ’26 +0
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 14 18 58 37
Receivables — — — —
Inventory — — — —
Other — — — —
1,043 1,078 1,084 1,045
2023 2024 2025 Q'26
Payables 1,158 1,201 1,248 1,261
ST’ Debt — — — —
Other — — — —
1,199 1,216 1,248 1,261

Compound Annual Growth %

10y 5y 3y
Sales 4.45% 6.94% 10.35%
Cash Flow (10.65%) 0.00% (15.11%)
Earnings (0.31%) 4.07% (9.00%)
Book Value 0.03% 2.71% 3.96%

EPS $

Mar Jun Sep Dec Year
’26 0.11 0.16 — — —
’25 0.12 (0.02) 0.15 0.09 0.34
’24 0.11 (0.02) 0.07 0.05 0.21
’23 0.09 (0.01) 0.04 (0.31) (0.20)
’22 0.14 0.12 0.12 0.06 0.43
’21 0.12 0.10 0.08 0.11 0.41
’20 0.08 0.08 0.06 0.04 0.27
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 21 23 — — —
’25 21 22 23 23 88
’24 21 21 21 22 84
’23 20 19 20 19 77
’22 15 16 17 18 66
’21 16 16 16 16 64
’20 16 16 16 16 63
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 0 (1) — — —
’25 1 0 1 1 3
’24 (2) 2 0 3 3
’23 2 1 3 1 6
’22 2 (1) 1 3 5
’21 7 2 (2) 2 10
’20 (1) (1) (3) 3 (1)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 0 (2) — — —
’25 2 0 1 1 4
’24 (3) 1 (1) 4 1
’23 1 0 2 1 5
’22 1 (1) 0 3 3
’21 6 2 (2) 2 9
’20 (1) (1) (3) 3 (3)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 57 59 61 65 63 64 66 77 84 88 90 +5.1% — — — —
Gross margin, % 86.31 85.09 81.08 77.80 83.35 88.23 87.08 67.84 63.95 67.07 68.57 (19.2) pt
EBT 3 9 9 8 6 9 9 (4) 4 7 10 +8.7%
EBT margin, % 5.68 14.71 15.40 11.78 9.20 13.62 13.99 (5.68) 5.21 7.69 11.59 +2.0 pt
Net income 2 3 8 6 5 7 7 (3) 4 6 9 +10.4%
Per share, $
Per share, $ Revenue 2.99 3.19 3.42 3.72 3.70 3.77 3.84 4.51 5.03 5.35 5.28 +6.7%
Earnings 0.12 0.18 0.43 0.35 0.27 0.41 0.44 (0.20) 0.21 0.34 0.51 +12.3%
Cash flow 0.35 0.41 0.45 0.28 (0.08) 0.58 0.30 0.37 0.16 0.19 0.11 (6.4%)
Capex (0.06) (0.14) (0.12) (0.15) (0.07) (0.07) (0.12) (0.08) (0.09) 0.02 (0.10) n/m
Free cash flow 0.29 0.27 0.33 0.13 (0.15) 0.51 0.18 0.29 0.07 0.21 0.01 (3.3%)
Book value 5.05 5.14 5.46 5.68 6.12 6.83 6.21 5.97 6.38 7.22 7.26 +4.1%
Shares, m 19 18 18 17 17 17 17 17 17 17 17 (1.5%)
Valuation, ×
Valuation, × P/E 30.83 23.82 9.16 12.00 12.04 9.41 8.93 0.00 12.76 9.38 9.59 12.8
P/S 1.24 1.27 1.18 1.13 0.85 1.02 1.02 0.72 0.53 0.60 0.93 1.0
P/B 0.73 0.79 0.74 0.74 0.51 0.57 0.63 0.54 0.42 0.44 0.67 0.6
EV/Sales 1.80 1.82 1.70 1.98 1.75 1.50 1.42 1.49 1.33 0.77 — 1.6
EV/FCF 18.67 21.80 17.76 56.08 (41.93) 11.14 29.70 23.34 90.93 19.39 — 24.7
Cash, $m
Cash, $m Operating cash flow 7 8 8 5 (1) 10 5 6 3 3 2 (7.8%)
Capex (1) (3) (2) (3) (1) (1) (2) (1) (1) 0 (2) n/m
Free cash flow 5 5 6 2 (3) 9 3 5 1 4 0 (4.7%)
Balance, $m
Balance, $m Working capital (66) (77) (97) (79) (76) (121) (189) (156) (138) (165) (216) +10.6%
Net debt 32 32 32 55 57 31 26 60 68 16 29 (7.5%)
Shareholders’ equity 95 95 98 99 104 117 106 102 107 119 123 +2.5%
Returns, %
Returns, % ROA 0.20 0.28 0.67 0.52 0.37 0.54 0.55 (0.24) 0.26 0.39 0.59 +0.2 pt
ROIC 1.58 4.25 4.53 3.09 2.25 3.72 4.35 (1.69) 1.57 3.15 4.27 +1.6 pt
ROE 2.37 3.46 8.05 6.13 4.53 6.40 6.69 (3.21) 3.44 4.95 7.28 +2.6 pt
People
People Employees 326 321 321 328 314 319 329 323 313 311 — (0.5%)
Revenue/emp, $m 0.17 0.18 0.19 0.20 0.20 0.20 0.20 0.24 0.27 0.28 — +5.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

AmeriServ Financial Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AUBN Auburn National Bancorporation, Inc. $92.1M 10.7× — +5.12% (above 0%: growing) +26.92% (above 0%: growing) −25.23% (below 0%: shrinking) 76.51% 0.00% Compare
FDSB Fifth District Bancorp, Inc. $91.7M 52.0× — −34.40% (below 0%: shrinking) −86.89% (below 0%: shrinking) +457.01% (above 0%: growing) 65.53% 0.00% Compare
CPBI Central Plains Bancshares, Inc. $86.8M 17.5× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
FUSB FIRST US BANCSH $84.5M 11.9× — −0.42% (below 0%: shrinking) +9.09% (above 0%: growing) −0.33% (below 0%: shrinking) 67.30% 0.00% Compare
UBCP United Bancorp, Inc. $83.3M 10.4× 10.5× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $82.9M 9.6× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00%
SSBI Summit State Bank $77.1M 33.6× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
CLST Catalyst Bancorp, Inc. $72.4M 31.4× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 0.00% Compare
HFBL Home Federal Bancorp, Inc. of Louisiana $67.1M 10.9× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00% Compare
Median of peers $83.9M 14.7× — +3.32% +9.09% −7.28% 70.95% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 June 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 626.93k 637.53k 90.10
2024 503.96k 487.16k 78.83
2023 561.44k 519.38k 87.27

Ownership

Directors and executive officers, together 7.90%
SB Value Partners, L.P. 9.70%
Tontine Financial Partners, L.P. 9.60%
Brent D. Baird and Ann N. Bonte 6.90%
Dimensional Fund Advisors LP 6.80%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

AmeriServ Financial Inc. (ASRV) Latest News

26 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Zacks

22 Oct

Impact 4 · · PR Newswire
Impact 4 · · PR Newswire

20 Oct

Impact 4 · · PR Newswire

23 Sep

Impact 3 · · Zacks

21 Apr

Impact 3 ·

3 Feb

Impact 3 · · Simply Wall St.

30 Jan

Impact 3 · · Simply Wall St.

27 Jan

Impact 3 · · Simply Wall St.

26 Jan

Impact 3 · · Zacks

20 Jan

Impact 4 · · PR Newswire

7 Jan

Impact 3 ·

5 Jan

Impact 3 · · Zacks

20 Dec

Impact 3 · · Simply Wall St.

3 Dec

Impact 4 · · PR NewswireSimply Wall St.Simply Wall St.MT NewswiresMT NewswiresSimply Wall St.

27 Oct

Impact 4 · · Zacks

21 Oct

Impact 4 · · PR Newswire

16 Oct

Impact 3 · · PR Newswire

28 Jul

Impact 3 · · Zacks

22 Jul

Impact 3 · earnings

13 Jul

Impact 3 · · Simply Wall St.

8 Jul

Impact 4 ·

22 Apr

Impact 3 · · PR Newswire

16 Apr

Impact 4 · · Business Wire

22 Mar

Impact 3 · · Simply Wall St.

21 Jan

Impact 3 · · PR Newswire

18 Dec

Impact 4 · · Simply Wall St.

5 Nov

Impact 4 · · PR Newswire

23 Oct

Impact 3 · · Simply Wall St.
stockrow.com/ASRV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com