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NASDAQ · Banks - Regional · USD

AmeriServ Financial, Inc. (ASRV) Stock Analysis

AmeriServ Financial, Inc. (ASRV) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

ASRV

$4.72

+$0.05 (+1.07%)

Oct 21, 2026 · Market close

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Price History

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ASRV Key Statistics

As of Oct 21, 2026
Trading
Open
$4.56
Previous Close
$4.67
Day's Range
4.56–4.77
52-Week Range
2.96–5.38
Volume
20.41K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.43
Valuation
Market Cap
$80.14M
P/E Ratio
8.74
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
0.95
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.33
EPS (ttm)Profit attributable to each share over the last twelve months.
0.54
Financials (FY)
Revenue (FY)
$59.25M+9.68%
Net Income (FY)
$5.61M+55.85%
Profit marginThe share of revenue left as profit after all costs and taxes.
14.10%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
16.98M
1-Year Return
+57.40%
Dividend and dates
Dividend
$0.12+2.66%
Ex-Dividend Date
August 3, 2026
Earnings Date
January 19, 2027estimated
Avg Volume
19.32K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, ASRV closed at $4.72, +57.40% over 1 year.

AmeriServ Financial, Inc. (ASRV) has a market capitalization of $80.14M.

In fiscal 2025, ASRV reported revenue of $59.25M.

ASRV Stock Return by Calendar Year

AmeriServ Financial, Inc. (ASRV) 10-year return: what $10,000 became

1 year
$10,000 $15,740
+57.40%
5 years
$10,000 $14,501
+45.01%
10 years
$10,000 $19,476
+94.76%

If you had invested $10,000 in AmeriServ Financial, Inc. (ASRV) 10 years ago, at the close on October 21, 2016, it would have been worth $19,476 at the close on October 21, 2026: +94.76% in total, +6.89% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+51.45%
2025+24.34%
2024−13.41%
2023−14.54%
2022+5.00%
2021+26.52%
2020−23.10%
2019+6.64%
2018−1.17%
2017+13.84%
2016 (partial year)+16.52%

As of October 21, 2026.

ASRV Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$59.25M$5.61M9.5%
2024$54.02M$3.60M6.7%
2023$52.41M−$3.35M−6.4%
2022$57.26M$7.45M13.0%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$59.25M——$5.61M9.5%
2024$54.02M——$3.60M6.7%
2023$52.41M——−$3.35M−6.4%
2022$57.26M——$7.45M13.0%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

ASRV Dividend History

$0.12+0.0% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.093—
2025$0.124+0.0%
2024$0.124+0.0%
2023$0.124+4.3%
YearDividends per sharePaymentsChange
2026 (partial year)$0.093—
2025$0.124+0.0%
2024$0.124+0.0%
2023$0.124+4.3%
2022$0.124+15.0%
2021$0.104+0.0%
2020$0.104+5.3%
2019$0.104+26.7%
2018$0.084+25.0%
2017$0.064+300.0%
2016$0.021—

Most recent payment: $0.03 per share, ex-dividend August 3, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

ASRV Valuation vs Banks - Regional Median

Median of 326 stocks
MetricASRVBanks - Regional medianvs median
P/E8.7412.0327% below
P/S ratio1.333.5863% below
Profit margin14.10%29.44%15.3 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values AmeriServ Financial, Inc. (ASRV) at $80.14M. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 297 employees.

ASRV last closed at $4.72 on October 21, 2026. That is +$0.05 (+1.07%) against the previous close. The 52-week range on file runs from $2.96 to $5.38. The latest close sits 59.46% above that 52-week low.

Financial Health

In fiscal 2025, AmeriServ Financial, Inc. reported revenue of $59.25M. That is +9.68% against the prior fiscal year, when revenue was $54.02M. The same year closed with net income of $5.61M. That is +55.85% against the prior fiscal year. Profit margin runs at 14.1%. That is 15.3 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 0.54.

Across the 4 fiscal years on file, revenue moves from $57.26M in 2022 to $59.25M in 2025. Of those 4 years, 3 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 8.74. That is 27.35% below the Banks - Regional median of 12.03. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.95. Measured against sales, the shares trade at 1.33 times revenue. On price-to-sales that is 62.92% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.43. Annualized volatility over the trailing 10 years is 34.57%. The trailing one-year total return is +57.40%. Measured over 10 years, that is +6.89% a year compounded.

Growth & Income

The trailing dividend yield is 2.66%. The indicated annual rate is $0.12 a share. The ex-dividend date on file is August 3, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.09 a share. The year before, 2025, totalled $0.12 a share.

So far in 2026 the total return is +51.45%. Across the complete calendar years on file, 2021 returned +26.52% and 2020 returned −23.10%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

AmeriServ Financial, Inc. (ASRV) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
AmeriServ Financial, Inc. ASRV $80.14M 8.7
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. AmeriServ Financial, Inc. trades at a P/E of 8.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About AmeriServ Financial, Inc.

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.

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