AmeriServ Financial, Inc.
General ticker "ASRV" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $54.7M (TTM average)
AmeriServ Financial, Inc. follows the US Stock Market performance with the rate: 42.2%.
Estimated limits based on current volatility of 2.7%: low 4.74$, high 5.00$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-03, amount 0.03$ (Y2.48%)
- Total employees count: 323 (-1.8%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate market risks, Interest rate risk, Liquidity and credit risks, Regulatory and compliance, Operational and conduct risks
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [3.17$, 4.53$]
- 2026-12-31 to 2027-12-31 estimated range: [3.42$, 4.89$]
Financial Metrics affecting the ASRV estimates:
- Positive: with PPE of 11.3 at the end of fiscal year the price was very low
- Positive: -4.23 < Operating profit margin, % of 7.69
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.38
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: 0.28 < Operating cash flow per share per price, % of 6.17
- Negative: Interest expense per share per price, % of 56.31 > 3.34
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Shareholder equity ratio, % of 8.21 <= 18.97
Short-term ASRV quotes
Long-term ASRV plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $77.25MM | $84.48MM | $88.34MM |
| Operating Expenses | $81.64MM | $80.08MM | $81.55MM |
| Operating Income | $-4.39MM | $4.40MM | $6.80MM |
| Interest Expense | $24.84MM | $30.46MM | $29.09MM |
| Income(Loss) | $-4.39MM | $4.40MM | $6.80MM |
| Taxes | $-1.04MM | $0.80MM | $1.18MM |
| Net Income(Loss)* | $-3.35MM | $3.60MM | $5.61MM |
| Stockholders Equity | $102.28MM | $107.25MM | $119.31MM |
| Assets | $1,389.64MM | $1,422.36MM | $1,453.81MM |
| Operating Cash Flow | $6.29MM | $2.69MM | $3.19MM |
| Capital expenditure | $1.38MM | $1.71MM | $1.12MM |
| Investing Cash Flow | $-39.99MM | $-23.10MM | $11.07MM |
| Financing Cash Flow | $24.77MM | $24.13MM | $18.89MM |
| Earnings Per Share** | $-0.20 | $0.21 | $0.34 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.