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AMERISERV FINANCIAL INC /PA/

Data quality: 100%
ASRV
Nasdaq Financial Services Depository Institutions
$3.75
▲ $0.02 (0.54%)
Mkt Cap: 63.62 M
Price
$3.75
Mkt Cap
63.62 M
Day Range
$3.66 — $3.80
52-Week Range
$2.07 — $3.93
Volume
6,255
Open $3.80
50D / 200D Avg
$3.64
2.96% above
50D / 200D Avg
$3.20
17.35% above

Quick Summary

Key Takeaways

Revenue declined -0.56% annually over 5 years
Earnings grew 55.85% over the past year
ROE of 4.98% is below average
Net margin of 38.35% shows strong profitability
Debt/Equity of 0.13 — conservative balance sheet
Generating 3.19 M in free cash flow

Growth

Revenue Growth (5Y)
-0.56%
Below sector avg (6.38%)
Revenue (1Y)-6.32%
Earnings (1Y)55.85%
FCF Growth (3Y)-28.81%

Quality

Return on Equity
4.98%
Below sector avg (10.70%)
ROICN/A
Net Margin38.35%
Op. MarginN/A

Safety

Debt / Equity
0.13
Below sector avg (0.50)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
11.34
Below sector avg (12.63)
P/B Ratio0.56
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 11.3 12.6
P/B 0.6 1.4
ROE % 5.0 10.7
Net Margin % 38.4 14.8
Rev Growth 5Y % -0.6 6.4
D/E 0.1 0.5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) -6.32% Revenue Growth (3Y) 0.49%
Earnings Growth (1Y) 55.85% Earnings Growth (3Y) N/A
Revenue Growth (5Y) -0.56% Earnings Growth (5Y) -5.62%
Profitability
Revenue (TTM) 14.63 M Net Income (TTM) 5.61 M
ROE 4.98% ROA 0.39%
Gross Margin N/A Operating Margin N/A
Net Margin 38.35% Free Cash Flow (TTM) 3.19 M
ROIC N/A FCF Growth (3Y) -28.81%
Safety
Debt / Equity 0.13 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.01
Working Capital N/A Tangible Book Value 100.90 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 11.34 Forward P/E N/A
P/B Ratio 0.56 P/S Ratio 4.35
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 5.01%
Market Cap 63.62 M Enterprise Value 78.26 M
Per Share
EPS (Diluted TTM) 0.34 Revenue / Share 0.86
FCF / Share 0.19 OCF / Share 0.19
EPS CAGR (1Y) 61.90% EPS CAGR (5Y) -4.57%
EPS CAGR (10Y) 12.27%
Efficiency
CapEx / Revenue N/A FCF Conversion 56.79%
SBC-Adj. FCF 3.18 M Growth Momentum -5.76

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 14.63 M 15.62 M 14.49 M 14.74 M 14.97 M
Net Income 5.61 M 3.60 M -3.35 M 7.45 M 7.07 M
EPS (Diluted) 0.34 0.21 -0.20 0.43 0.41
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1.70 M 1.70 M 1.70 M 1.70 M 1.70 M
Interest Expense 29.09 M 30.46 M 24.84 M 8.50 M 7.59 M
Income Tax 1.18 M 798,000.0 -1.04 M 1.75 M 1.70 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.45 B 1.42 B 1.39 B 1.36 B 1.34 B
Total Liabilities 1.33 B 1.32 B 1.29 B 1.26 B 1.22 B
Shareholders' Equity 119.31 M 107.25 M 102.28 M 106.18 M 116.55 M
Total Debt 14.64 M 14.64 M 40.95 M 88.64 M 24.70 M
Cash & Equivalents — — 14.03 M 22.96 M 41.10 M
Current Assets — — — — —
Current Liabilities — — — — —