AmeriServ Financial, Inc. (ASRV) Stock

AmeriServ Financial, Inc. (ASRV) is a Financials stock trading at $5.01 (as of 2026-08-21), with a market capitalization of $85.07M and a trailing P/E of 10.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

AmeriServ Financial, Inc. is the bank holding company for AmeriServ Financial Bank, providing consumer, mortgage, and commercial banking products. It offers deposit accounts and related services, consumer and mortgage lending, commercial real estate and other business lending, and personal and institutional trust services for individuals and employee benefit plans.

Understand AmeriServ Financial, Inc.: how it makes money

AmeriServ Financial, Inc. is a bank holding company that provides retail banking and lending products, including deposits, consumer and mortgage loans, and commercial real estate mortgage loans, and it makes money primarily through Net Interest Income from its lending and deposit activity.

For AmeriServ, the core profit engine is Net Interest Income, with performance shaped by asset quality (Non-Performing Assets and Net Charge-Offs) and operating discipline (Efficiency Ratio).

Revenue by segment (latest quarter)
PPNR$0.0B
Wealth$0.0B

Business quality (Solid): The quarter data provided shows total revenue of 0.0B, so understanding operating performance depends heavily on bank-specific KPIs like Net Interest Income, credit quality metrics (Non-Performing Assets, Net Charge-Offs), and Efficiency Ratio rather than headline revenue.

Valuation: At 12× earnings, ASRV trades 9% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit losses appear contained in the quarter: Net Loan Charge-Offs are 0.0 USD_B, and Net Charge-Offs as a Percentage of Average Loans is 0.74 percent.
  • Asset quality coverage looks relatively strong: Allowance for Loan Credit Losses Coverage of Non-Performing Loans is 165.0 percent.

Bear case

  • Operating costs are high relative to revenue: The Efficiency Ratio is 83.26 percent, which can pressure profitability even when interest income holds up.
  • Non-performing assets are present: Non-Performing Assets are 0.01 USD_B, which can signal underlying credit risk and can lead to higher provisions in future periods.
Valuation — source: SEC EDGAR (first-party)
Price$5.01
Market Cap$85.07M
P/E Ratio10.0
EV / EBITDA5.5
Price / Book0.69
Price / Sales5.65
DCF Value (model)$4.96
DCF Upside vs Price-1.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$14.63M
Net Margin38.3%
Revenue Growth (YoY)7.5%
EPS Growth (YoY)-900.0%
Valuation vs Sector & Industry
Stock P/E10.0
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-33.9%
vs Industry-23.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderGENDELL JEFFREY L ($5.92M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJeffrey A. Stopko
Employees298
CountryUS
IPO Date1985-01-30

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ASRV earnings history · ASRV institutional & insider holders · ASRV KPIs & operating metrics · ASRV financials · ASRV investor presentations & press releases · ASRV SEC filings · ASRV peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.