AmeriServ Financial, Inc.
General ticker "ASRV" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $45.8M (TTM average)
AmeriServ Financial, Inc. follows the US Stock Market performance with the rate: 51.0%.
Estimated limits based on current volatility of 1.8%: low 3.07$, high 3.18$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-11-03, amount 0.03$ (Y3.90%)
- Total employees count: 323 (-1.8%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Regulatory and compliance, Interest rate fluctuations, Operational and conduct risks, Market risk
- Earnings for 9 months up through Q3 are close to 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [2.91$, 4.06$]
- 2025-12-31 to 2026-12-31 estimated range: [3.18$, 4.46$]
Financial Metrics affecting the ASRV estimates:
- Positive: with PPE of 12.7 at the end of fiscal year the price was very low
- Positive: -3.60 < Operating profit margin, % of 5.21
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: Shareholder equity ratio, % of 7.54 <= 18.93
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.25
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Negative: Interest expense per share per price, % of 68.17 > 3.41
Short-term ASRV quotes
Long-term ASRV plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $65.75MM | $77.25MM | $84.48MM |
| Operating Expenses | $56.55MM | $81.64MM | $80.08MM |
| Operating Income | $9.20MM | $-4.39MM | $4.40MM |
| Interest Expense | $8.49MM | $24.84MM | $30.46MM |
| Income(Loss) | $9.20MM | $-4.39MM | $4.40MM |
| Taxes | $1.75MM | $-1.04MM | $0.80MM |
| Profit(Loss)* | $7.45MM | $-3.35MM | $3.60MM |
| Stockholders Equity | $106.18MM | $102.28MM | $107.25MM |
| Assets | $1,363.87MM | $1,389.64MM | $1,422.36MM |
| Operating Cash Flow | $5.21MM | $6.29MM | $2.69MM |
| Capital expenditure | $2.08MM | $1.38MM | $1.71MM |
| Investing Cash Flow | $-56.28MM | $-39.99MM | $-23.10MM |
| Financing Cash Flow | $32.93MM | $24.77MM | $24.13MM |
| Earnings Per Share** | $0.44 | $-0.20 | $0.21 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.