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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. In the quarter to June 2026, revenue grew 4.04%, EPS grew 900.0%, free cash flow fell 756.9% and total debt fell 16.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

4.54 0.08 +1.79%
Market cap
$75.7M
P/E
8.9×
Fwd P/E
0.0×
Dividend yield
2.64%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02
Total sells 0.05
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — 1 — — — 1 —
Sell — — — — — — — — — 1 — —
Insider Ownership 24.43%

Capital & Financial Ratios $m

Market Cap 75.73
Revenue 89.55
Net Income 8.52
Free Cash Flow 0.13
Net Debt 28.75
Current Ratio 0.83
Debt/Equity 0.53
P/E ratio 8.90
Fwd P/E 0.00
P/S ratio 0.86
P/B ratio 0.63
Past 5Y EPS Growth 4.72%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth (100.00%) (below 0%: weak)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 11.21%
10-year low 10-year high
P/S against its own 10 years 37.97%
10-year low 10-year high
P/B against its own 10 years 57.65%
10-year low 10-year high

Dividends

Payout Ratio 0.24
Annual Dividend Rate 0.12
Annual Dividend Yield 2.64%
total individual payouts
2026 0.09
0.03
0.03
0.03
2025 0.12
0.03
0.03
0.03
0.03
2024 0.12
0.03
0.03
0.03
0.03
2023 0.12
0.03
0.03
0.03
0.03
2022 0.12
0.03
0.03
0.03
0.03
2021 0.10
0.03
0.03
0.03
0.03
2020 0.10
0.03
0.03
0.03
0.03
2019 0.10
0.02
0.03
0.03
0.03
2018 0.08
0.02
0.02
0.02
0.02
2017 0.06
0.02
0.02
0.02
0.02
2016 0.05
0.01
0.01
0.02
0.02
special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 2.90 3.48 3.93 3.92 2.36 3.05 3.66 2.41 2.20 2.03

Analyst estimates 2026–2028

Powerpack
High 3.85 4.40 4.55 4.30 4.28 5.34 4.52 4.12 3.40 3.42
People
People Employees 326 321 321 328 314 319 329 323 313 311
Revenue/emp, $m 0.17 0.18 0.19 0.20 0.20 0.20 0.20 0.24 0.27 0.28
Income, $m
Income, $m Revenue 57 59 61 65 63 64 66 77 84 88
Gross margin, % 86.31 85.09 81.08 77.80 83.35 88.23 87.08 67.84 63.95 67.07
EBT 3 9 9 8 6 9 9 (4) 4 7
EBT margin, % 5.68 14.71 15.40 11.78 9.20 13.62 13.99 (5.68) 5.21 7.69
Net income 2 3 8 6 5 7 7 (3) 4 6
Depreciation 2 2 2 2 2 1 2 2 2 2
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
Earnings 0.12 0.18 0.43 0.35 0.27 0.41 0.44 (0.20) 0.21 0.34
Cash flow 0.35 0.41 0.45 0.28 (0.08) 0.58 0.30 0.37 0.16 0.19
Capex (0.06) (0.14) (0.12) (0.15) (0.07) (0.07) (0.12) (0.08) (0.09) 0.02
Free cash flow 0.29 0.27 0.33 0.13 (0.15) 0.51 0.18 0.29 0.07 0.21
Book value 5.05 5.14 5.46 5.68 6.12 6.83 6.21 5.97 6.38 7.22
Shares, m 19 18 18 17 17 17 17 17 17 17
Valuation, ×
Valuation, × P/E 30.83 23.82 9.16 12.00 12.04 9.41 8.93 0.00 12.76 9.38
P/S 1.24 1.27 1.18 1.13 0.85 1.02 1.02 0.72 0.53 0.60
P/B 0.73 0.79 0.74 0.74 0.51 0.57 0.63 0.54 0.42 0.44
EV/Sales 1.80 1.82 1.70 1.98 1.75 1.50 1.42 1.49 1.33 0.77
EV/FCF 18.67 21.80 17.76 56.08 (41.93) 11.14 29.70 23.34 90.93 19.39
Cash, $m
Cash, $m Operating cash flow 7 8 8 5 (1) 10 5 6 3 3
Capex (1) (3) (2) (3) (1) (1) (2) (1) (1) 0
Free cash flow 5 5 6 2 (3) 9 3 5 1 4
Balance, $m
Balance, $m Working capital (66) (77) (97) (79) (76) (121) (189) (156) (138) (165)
Total debt 66 67 67 77 89 72 49 74 85 74
Net debt 32 32 32 55 57 31 26 60 68 16
Shareholders’ equity 95 95 98 99 104 117 106 102 107 119
Returns, %
Returns, % ROA 0.20 0.28 0.67 0.52 0.37 0.54 0.55 (0.24) 0.26 0.39
ROIC 1.58 4.25 4.53 3.09 2.25 3.72 4.35 (1.69) 1.57 3.15
ROE 2.37 3.46 8.05 6.13 4.53 6.40 6.69 (3.21) 3.44 4.95
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FUSB FIRST US BANCSH $90.6M 12.2× — +1.73% (above 0%: growing) +933.33% (above 0%: growing) −118.35% (below 0%: shrinking) 67.72% 0.00% Compare
FDSB Fifth District Bancorp, Inc. $88.4M 49.7× — −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. $82.6M 16.8× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
SSBI Summit State Bank $81.7M 36.5× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
UBCP United Bancorp, Inc. $77.6M 9.7× 11.8× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $75.7M 8.9× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00%
HFBL Home Federal Bancorp, Inc. of Louisiana $73.1M 11.8× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00% Compare
CLST Catalyst Bancorp, Inc. $68.0M 29.8× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 0.00% Compare
CULL Cullman Bancorp, Inc. $65.2M 32.5× 19.5× +8.86% (above 0%: growing) −26.67% (below 0%: shrinking) −90.89% (below 0%: shrinking) 71.49% 0.00% Compare
Median of peers $79.6M 23.3× 11.8× +3.32% +9.09% −52.56% 70.95% 0.00%

All 323 Banks Regional stocks →

AmeriServ Financial Inc. (ASRV) key facts

  • Strength: AmeriServ Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $88.3 million, up 4.57% from fiscal 2024.
  • Strength: Net income was $5.6 million, or $0.34 per share (basic), a net margin of 6.35%.
  • AmeriServ Financial Inc. (ASRV) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, ASRV traded at $4.54, a market capitalization of $75.7 million.
  • At that price the stock trades at 8.9× trailing-twelve-month earnings and 0.9× sales; its P/E is higher than 11% of its own readings over the past ten years.
  • AmeriServ Financial Inc. pays an annual dividend of $0.12 per share, a yield of 2.64%, with a payout ratio of 23.5%.
  • Return on equity was 4.95% and debt-to-equity 0.53.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

AmeriServ Financial Inc. (ASRV) Latest News

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