AmeriServ Financial, Inc.

AmeriServ Financial, Inc.

ASRV
AmeriServ Financial, Inc.US flagNASDAQ Global Market
3.93
USD
+0.06
- -
66.67MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.57
2.57
2.68
2.58
2.71
2.77
2.89
3.09
3.33
3.35
3.06
3.22
3.59
3.61
Basic EPS, GAAP
0.26
0.15
0.31
0.12
0.18
0.43
0.35
0.27
0.41
0.44
-0.2
0.21
0.34
0.33
Free Cash Flow per Basic Share
0.63
0.17
0.47
0.28
0.26
0.33
0.12
-0.16
0.51
0.18
0.29
0.06
0.12
0.12
Dividend per Share
0.04
0.05
0.05
0.05
0.06
0.08
0.09
0.1
0.1
0.11
0.12
0.12
0.12
0.12
Book Value per Share
1.47
1.59
1.85
1.92
2.19
2.62
3
3.22
3.53
3.84
3.45
3.62
3.9
3.95
Tangible Book Value per Share
4.21
4.33
4.56
4.42
4.5
4.8
4.99
5.42
6.02
5.4
5.17
5.57
6.39
6.44
Basic Weighted Avg Shares
19
19
19
19
18
18
17
17
17
17
17
17
17
17
Sales/Revenue/Turnover
49
48
51
49
50
50
50
53
57
57
52
54
59
60
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Net Income, GAAP
5
3
6
2
3
8
6
5
7
7
-3
4
6
5
Effective Tax Rate (%)
30.59
34.58
28.09
27.97
62.06
17.76
20.68
20.89
19.4
19.05
- -
18.14
17.42
17.07
Profit Margin (%)
10.68
6.25
11.85
4.74
6.56
15.62
12
8.73
12.44
13.01
-6.38
6.67
9.47
9.16
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
38
55
68
66
67
67
78
89
73
50
75
87
75
72
Total Equity
113
114
119
95
95
98
99
104
117
106
102
107
119
121
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
19.46
9.75
17.86
6.45
8.57
17.74
12.17
8.6
12.28
11.82
-5.36
6.01
8.97
8.6

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
75
71
68
LT Finance Leases
4
4
4
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
17
Market Capitalization
48
53
60

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
65
62
64
Accounts Receivable, Net
6
6
6
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.46%
3.04%
11.25%
Free Cash Flow
-72.14%
-79.67%
111.37%
Net Income, GAAP
-16.67%
-47.51%
55.85%
Sales/Revenue/Turnover
1.71%
2.6%
9.68%
Total Cash Common Dividend
10.61%
3.12%
-1.88%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14
13
13
14
54
2025
14
14
15
15
59
2026
15
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.11
-0.02
0.07
0.05
0.21
2025
0.12
-0.02
0.15
0.09
0.34
2026
0.11
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.03
0.03
0.03
0.03
0.12
2025
0.03
0.03
0.03
0.03
0.12
2026
0.03
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Jeffrey A. Stopko
Full Time Employees
298
Sector
Financial Services
Industry
Banks - Regional
Address
216 Franklin Street Johnstown PA United States of America 15901
IPO Date
Jan 30, 1985
Business
AmeriServ Financial, Inc. functions as a bank holding entity for AmeriServ Financial Bank, delivering a broad spectrum of consumer, mortgage, and commercial banking solutions. The institution provides comprehensive retail banking offerings, encompassing various deposit accounts such as demand, savings, and time deposits; checking and money market accounts; both secured and unsecured consumer loans, alongside residential mortgage financing; and supplementary services like safe deposit boxes, holiday savings programs, and money orders. Furthermore, the company extends lending, deposit, and associated financial services designed for commercial, industrial, financial, and governmental clientele. These include commercial real estate mortgage loans, flexible short- and medium-term financing, revolving credit lines, conventional lines of credit, inventory and accounts receivable funding, and construction loans for real estate projects. Business clients also benefit from specialized savings accounts, certificates of deposit, wire transfers, night depository, lock box services, and merchant services. Through its AmeriServ Wealth & Capital Management division, the company offers an extensive suite of trust and wealth management products. These include personal portfolio investment management, estate planning and administration, custodial arrangements, and pre-need and special needs trusts. Institutional clients can access solutions such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. The firm additionally provides financial services involving the sale of mutual funds, annuities, and various insurance products. AmeriServ also participates as a reinsurer in the underwriting of credit life and disability insurance via AmeriServ Life Insurance Company. The company conducts its operations through 16 banking centers situated across southwestern Pennsylvania in Cambria, Centre, Somerset, and Westmoreland counties, and in Washington County, Maryland. It also maintains loan production offices in Altoona and Monroeville, Pennsylvania, and operates 16 automated teller machines for customer convenience. AmeriServ Financial, Inc. maintains its corporate headquarters in Johnstown, Pennsylvania.

Company News

APIChatGPT
  • AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE SECOND QUARTER AND FIRST SIX MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • AmeriServ's Q1 Earnings Down Y/Y Due to Escalating Professional Fees

  • Contrasting FB Financial (NYSE:FBK) and AmeriServ Financial (NASDAQ:ASRV)

  • AMERISERV FINANCIAL REPORTS EARNINGS FOR THE FIRST QUARTER OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • Analyzing Oxford Bank (OTCMKTS:OXBC) & AmeriServ Financial (NASDAQ:ASRV)

  • 2 Microcap Regional Bank Valuation Plays

  • AmeriServ Financial Climbs 43% in a Year: Should You Buy the Stock?

  • AmeriServ Q4 Earnings Rise Y/Y on Higher Net Interest Income

  • AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE FOURTH QUARTER AND FULL YEAR OF 2025 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • AmeriServ Financial Strengthens Strategic Partnership with SB Value Partners

  • BRBS vs. ASRV: Which Bank Stock Deserves a Spot in Your Portfolio?

  • AmeriServ Financial Bank and Federated Hermes Announce Strategic Alliance to Expand Investment Opportunities in Western Pennsylvania

  • AmeriServ Q3 Earnings Surge Y/Y on Net Interest Income Growth

  • AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE THIRD QUARTER AND FIRST NINE MONTHS OF 2025 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • AmeriServ Financial Announces New Labor Contract

  • AmeriServ Incurs Q2 Loss Amid Credit Provision Surge, Stock Down 8%

  • AMERISERV FINANCIAL REPORTS EARNINGS FOR THE SECOND QUARTER AND FIRST SIX MONTHS OF 2025 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • Zacks Initiates Coverage of AmeriServ with Outperform Recommendation

  • AMERISERV FINANCIAL REPORTS EARNINGS FOR THE FIRST QUARTER OF 2025 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

  • AmeriServ Financial Announces Signing of New Advisory Agreement with Significant Shareholder SB Value Partners, L.P.