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AmeriServ Financial(NASDAQ) ASRV

Current Price$3.90
Market Cap$66.67MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1985)+283%
5 Year+21%
1 Year+31%
1 Month+1%
AmeriServ Financial last closing stock price
MetricPriceDate
Last closeUSD 3.932026-07-21
AmeriServ Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.61%USD 3.832026-07-14
1 month+1.03%USD 3.892026-06-18
3 month-0%USD 3.932026-04-22
Year to date+25.27%USD 3.142025-12-31
1 year+30.7%USD 3.012025-07-21
3 year+54.93%USD 2.542023-07-21
5 year+21.03%USD 3.252021-07-22
Since inception+283.18%USD 1.031985-06-04

AmeriServ Financial Financials at a Glance

Market Cap

$66.67MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$88.67M

Net Income (TTM)

$5.50M

EPS (TTM)

$0.51

P/E Ratio

11.91

Dividend

$0.12

Beta (Volatility)

0.18 (Low)

Price

$3.90

Volume

0

Open

$4.00

Previous Close

$3.90

Daily Range

$3.90 - $4.00

52-Week Range

$2.64 - $4.04

Estimated Earnings Date

Jul 21, 2026

ASRV News

No articles available.

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About AmeriServ Financial

AmeriServ helps people manage money, get loans, and plan for the future. Its services support families, businesses, and local governments. Customers use AmeriServ for everyday banking, mortgages, and retirement planning.

Money Moves: AmeriServ’s Main Offerings

  • Retail Banking: Checking, savings, and deposit accounts for individuals and families (no revenue split disclosed).
  • Consumer and Mortgage Loans: Home loans and personal loans for buying houses or covering expenses (no revenue split disclosed).
  • Commercial Banking: Loans, credit lines, and deposit services for businesses and local governments (no revenue split disclosed).
  • Wealth Management: Investment management, retirement plans, and trust services for individuals and institutions (68% of non-interest income in 2025).
  • Insurance and Investment Sales: Offers mutual funds, annuities, and insurance products to customers (no revenue split disclosed).

Branching Out: AmeriServ’s Growth Story

  • Expanded trading securities activity with a $7 million trading account in 2025.
  • Formed a partnership with SB Value Partners to boost wealth management profitability in 2025.
  • Modernized select branches to improve customer experience in 2025.
  • Continued focus on union partnerships, including preferred lender status for the Pennsylvania State Education Association.

What Makes AmeriServ Stand Out?

AmeriServ is one of the few unionized banks in the U.S, serving many union members and organizations. Its wealth management arm oversees $2.7 billion in assets, much larger than its own balance sheet. The company’s regional focus and strong risk controls help it manage local economic challenges.

Five Things You Need to Know

  • Total assets were $1.45 billion in 2025, up 2.2% from 2024.
  • Net income was $5.6 million in 2025, up 55.8% from 2024.
  • Wealth management fees were $11.6 million in 2025, down 6.2% from 2024.
  • CRE loans made up 50.4% of total loans at year-end 2025.
  • Allowance for credit losses was 1.27% of loans in 2025.

Bottom Line

AmeriServ has grown by focusing on local banking, union partnerships, and wealth management. Its steady evolution reflects adaptability to changing regional and industry conditions.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

297

CEO

Jeffrey A. Stopko, CPA

Website

www.ameriserv.com

Headquarters

Johnstown, PA 15901, US

ASRV Financials

Key Financial Metrics (TTM)

Gross Margin

62.66%

Operating Margin

7.48%

Net Income Margin

6.20%

Return on Equity

4.72%

Return on Capital

3.49%

Return on Assets

0.37%

Earnings Yield

8.40%

Dividend Yield

3.05%

Payout Ratio

36.27%

Stock Overview

Market Cap

$66.67MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

16.96M

Volume

0

Avg. Volume

11.43K

Financials (TTM)

Gross Profit

$55.56M

Operating Income

$6.63M

EBITDA

$8.76M

Operating Cash Flow

$2.94M

Capital Expenditure

-$1.52M

Free Cash Flow

$1.42M

Cash & ST Invst.

$13.06M

Total Debt

$71.50M

AmeriServ Financial Performance Analysis

AmeriServ Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 65,750,0002.0%
20232023-12-31USD 77,249,00017.5%
20242024-12-31USD 84,480,0009.4%
20252025-12-31USD 88,343,0004.6%
AmeriServ Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.0%
Q32025-09-305.0%
Q42025-12-31-1.5%
Q12026-03-31-4.7%
AmeriServ Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.435.1%
20232023-12-31USD -0.20N/A
20242024-12-31USD 0.21N/A
20252025-12-31USD 0.3458.4%
AmeriServ Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-114.3%
Q32025-09-30977.2%
Q42025-12-31-41.9%
Q12026-03-3126.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$21.47M

+1.5%

Gross Profit

$14.58M

+3.0%

Gross Margin

67.90%

N/A

Market Cap

$66.67MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$223.72K

N/A

Employees

298

N/A

Net Income

$1.79M

-6.0%

EBITDA

$2.78M

-4.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$13.06M

-93.0%

Total Debt

$71.50M

-24.0%

Accounts Receivable

$6.03M

+3.7%

Inventory

$0.00

N/A

Long Term Debt

$57.45M

-31.3%

Short Term Debt

$14.05M

+35.4%

Return on Assets

0.37%

N/A

Return on Invested Capital

0.45%

N/A

Free Cash Flow

-$44.00K

-107.3%

Operating Cash Flow

$356.00K

-40.6%

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Questions About ASRV

What is the current price of AmeriServ Financial?

AmeriServ Financial is trading at $3.90 per share.

What is the 52-week range for AmeriServ Financial?

Over the past 52 weeks, AmeriServ Financial has traded between $2.64 and $4.04.

How much debt does AmeriServ Financial have?

As of the most recent reporting period, AmeriServ Financial reported total debt of $62.98M.

How much cash does AmeriServ Financial have on hand?

AmeriServ Financial does not have cash on hand data available.

What is AmeriServ Financial’s dividend yield?

AmeriServ Financial currently has a dividend yield of 3.05%.

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