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Ameriserv financial, inc.ASRV.US Overview

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ASRV Recent Performance

0.26%

Ameriserv financial, inc.

1.79%

Avg of Sector

-0.31%

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ASRV Key Information

ASRV Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

ASRV Profile

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as 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. The company 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, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including 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 insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.

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ASRV FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

ASRV Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.34
PE Ratio (TTM)
10.30
Forward PE
-
PS Ratio (TTM)
1.17
PB Ratio
0.22
Price-to-FCF
48.65
METRIC
VALUE
vs. INDUSTRY
Gross Margin
87.39%
Net Margin
8.90%
Revenue Growth (YoY)
18.72%
Profit Growth (YoY)
3.75%
3-Year Revenue Growth
17.86%
3-Year Profit Growth
1.94%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.34
PE Ratio (TTM)
10.30
Forward PE
-
PS Ratio (TTM)
1.17
PB Ratio
0.22
Price-to-FCF
48.65
Gross Margin
87.39%
Net Margin
8.90%
Revenue Growth (YoY)
18.72%
Profit Growth (YoY)
3.75%
3-Year Revenue Growth
17.86%
3-Year Profit Growth
1.94%

  • When is ASRV's latest earnings report released?

    The most recent financial report for Ameriserv financial, inc. (ASRV) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ASRV's short-term business performance and financial health. For the latest updates on ASRV's earnings releases, visit this page regularly.

  • Where does ASRV fall in the P/E River chart?

    According to historical valuation range analysis, Ameriserv financial, inc. (ASRV)'s current price-to-earnings (P/E) ratio is 9.14, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of ASRV?

    According to the latest financial report, Ameriserv financial, inc. (ASRV) reported an Operating Profit of 1.68M with an Operating Margin of 7.45% this period, representing a growth of 55.95% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is ASRV's revenue growth?

    In the latest financial report, Ameriserv financial, inc. (ASRV) announced revenue of 22.53M, with a Year-Over-Year growth rate of 74.2%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does ASRV have?

    As of the end of the reporting period, Ameriserv financial, inc. (ASRV) had total debt of 80.68M, with a debt ratio of 0.06. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does ASRV have?

    At the end of the period, Ameriserv financial, inc. (ASRV) held Total Cash and Cash Equivalents of 14.53M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does ASRV go with three margins increasing?

    In the latest report, Ameriserv financial, inc. (ASRV) achieved the “three margins increasing” benchmark, with a gross margin of 64.7%%, operating margin of 7.45%%, and net margin of 6.4%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ASRV's profit trajectory and future growth potential.

  • Is ASRV's EPS continuing to grow?

    According to the past four quarterly reports, Ameriserv financial, inc. (ASRV)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.09. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of ASRV?

    Ameriserv financial, inc. (ASRV)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of ASRV?

    The latest valuation data shows Ameriserv financial, inc. (ASRV) has a Price-To-Earnings (PE) ratio of 9.14 and a Price/Earnings-To-Growth (PEG) ratio of -0.22. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.