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Company Analysis

AmeriServ Financial Inc. ASRV

A comprehensive view of key metrics, scores, and financial health for AmeriServ Financial Inc.

Overview of AmeriServ Financial, Inc.

ASRV NGM
Financial Services Banks - Regional Micro Cap
AmeriServ Financial, Inc. (ASRV), is a Micro Cap company, in the Banks - Regional industry, last closed at $3.82, about 88.0% undervalued vs fair value, +57.2% 1Y return, ranked 763/1004 in sector.
$3.82
0.00%
As of March 13, 2026
Previous close • Vol 90d: 37.1%
52-Week Range
Market Cap
$64.77M
Enterprise Value
$130.92M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ameriserv.com
HQ Johnstown, PA
Employees 298
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $3.82 +88% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$66.5M
9.3%%
Interest Expense
$29.1M
Net Interest Income
$36.0M
0.1%%
Total Revenue
$88.3M
63.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.4%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.5M
98.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating AmeriServ Financial Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
27
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ASRV's balance between Growth (63.0%), Profitability (17.9%), and Safety (19.2%). Growth 63% Safety 19% Profitability 18%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
Rev Growth YoY 63.5% 57p Revenue CAGR 3Y 15.6% 37p Asset Growth YoY 2.2% 35p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

12th percentile vs peers
13
Key Signals
Strengths
Risks
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Safety

13th percentile vs peers
14
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for AmeriServ Financial Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$7.18
- - -
+88.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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