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Home CompaniesAmeriServ Financial Inc

AmeriServ Financial Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
4.74 USD 0.00(0%)
Last update at 2026-11-11T21:00:00Z
VOLUME
126
Market Cap
66.50M
P/E
11.53

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
4.62
Low
4.78
High
52 Week Price Range
2.15
Low
4.04
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

AmeriServ Financial Inc is a regional bank holding company offering commercial and consumer banking, mortgage, wealth and trust services in Pennsylvania. Long-term growth may be driven by net interest margin expansion if rates persist, modest loan and deposit growth, and fee income from wealth and mortgage services, which may appeal to investors seeking a community banking franchise.

The company faces material risks from regional borrower concentration, credit sensitivity in commercial real estate and small-business loans, competitive pressure from larger banks and fintech, and regulatory and execution risks typical of small banks.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
4.74
Dividend Yield
-
Revenue TTM
55.13M
Revenue Per Share
3.34
Gross Profit TTM
55.13M
Debt / Equity
0.63
ROE
4.95%
Net Debt
60.78M
ROCE
0.47%
Diluted EPS TTM
0.34

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 6.80M 4.40M -4.39M 9.20M 8.77M
Net income 5.61M 3.60M -3.35M 7.45M 7.07M
Selling general administrative 33.48M 29.41M 30.34M 29.01M 28.50M
Selling and marketing expenses - 32.89M 34.17M - -
Gross profit 55.13M 53.14M 44.98M 8.20M 56.84M
Reconciled depreciation 2.10M 2.08M 2.07M 2.10M 2.04M
Ebit - 4.40M -4.39M 17.70M 8.77M
Ebitda 6.80M 6.48M -2.31M 19.79M 10.81M
Depreciation and amortization - 2.08M 2.07M 2.10M 2.04M
Operating income 6.80M 4.40M -4.39M 17.70M 8.77M
Other operating expenses 81.55M 80.08M 81.64M 3.21M -48.07M
Interest expense 29.09M 30.46M 24.84M 8.49M 7.59M
Tax provision 1.18M 0.80M -1.04M 1.75M 1.70M
Interest income 71.35M 66.50M 60.86M 49.06M 46.67M
Net interest income 42.26M 36.05M 36.02M 40.56M 39.08M
Income tax expense 1.18M 0.80M -1.04M 1.75M 1.70M
Total revenue 88.34M 84.48M 77.25M 8.20M 56.84M
Total operating expenses 48.34M 48.74M 49.37M 3.21M -48.07M
Cost of revenue 33.21M 31.34M 32.27M - -
Total other income expense net - 41.34M -4.39M -8.49M -7.59M
Net income from continuing ops 5.61M 3.60M -3.35M 7.45M 7.07M
Net income applicable to common shares - - - 7.45M 7.07M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1454.13M 1422.36M 1389.64M 1361.74M 1335.56M
Intangible assets 0.06M 0.08M 0.10M 0.13M 0.16M
Other current assets - - 20.41M 4.86M 4.97M
Total liab 1338.89M 1315.11M 1287.36M 1257.70M 1219.01M
Total stockholder equity 119.31M 107.25M 102.28M 104.04M 116.55M
Other current liab -14.37M 1200.99M 976.06M -16.44M -42.65M
Common stock 0.27M 0.27M 0.27M 0.27M 0.27M
Capital stock 0.27M 0.27M 0.27M 0.27M 0.27M
Retained earnings 64.11M 60.48M 58.90M 65.49M 60.01M
Other liab - - - 3.79M 10.38M
Good will 13.67M 13.61M 13.61M 13.61M 13.61M
Other assets - 1369.78M - 1304.07M 879.18M
Cash 14.53M 17.75M 14.03M 22.96M 41.10M
Total current liabilities 3.93M 1215.64M 1025.38M 91.96M 42.65M
Net debt 60.78M 83.94M 101.53M 135.18M 1.55M
Short term debt 18.30M 14.64M 49.33M 108.41M 42.65M
Short long term debt 0.00M 14.64M 40.95M 108.41M 42.65M
Short long term debt total 75.31M 101.69M 115.56M 158.14M 42.65M
Other stockholder equity 62.28M 61.58M 63.08M 60.81M 62.79M
Property plant equipment - - - 14.46M 17.43M
Total current assets 54.07M 178.85M 20.41M 23.63M 208.26M
Long term investments 255.74M 219.46M 229.69M 1221.47M 216.92M
Net tangible assets - - - 92.57M 102.78M
Short term investments 38.51M 155.62M 165.71M 179.51M 163.17M
Net receivables 1.03M 5.49M 5.53M 4.80M 3.98M
Long term debt 71.38M 82.78M 71.25M 26.64M 69.26M
Inventory - - 106.67M 0.30M 0.12M
Accounts payable - - - 1108.54M 1139.38M
Accumulated other comprehensive income -7.35M -15.08M -19.98M -22.52M -6.51M
Common stock total equity - - - 0.27M -
Retained earnings total equity - - - 65.49M -
Non currrent assets other 100.41M 91.97M 1319.27M -241.39M -248.12M
Non current assets total 1400.07M 1243.51M 1369.23M 34.03M 248.12M
Capital lease obligations 3.93M 4.26M 3.36M 3.32M 3.58M
Long term debt total - - - 26.64M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -22.64M -23.10M -39.99M -55.22M -31.40M
Change to liabilities - - - 0.04M 0.00M
Total cashflows from investing activities 11.07M -23.10M - -56.28M -0.49M
Net borrowings -26.27M -14.98M - 65.75M -40.33M
Total cash from financing activities 18.89M 24.13M 24.77M 32.93M 0.15M
Change to operating activities - - - -0.04M -0.58M
Net income 5.61M 3.60M -3.35M 7.45M 7.07M
Change in cash 33.15M 3.72M -8.94M -18.14M 9.60M
Begin period cash flow 17.75M 14.03M 22.96M 41.10M 31.50M
End period cash flow 50.89M 17.75M 14.03M 22.96M 41.10M
Total cash from operating activities 3.19M 2.69M 6.19M 5.21M 9.94M
Depreciation 2.10M 2.08M 2.07M 2.10M 2.04M
Other cashflows from investing activities 11.07M -32.07M - 1.01M 3.34M
Dividends paid 1.98M 2.02M 2.06M 1.97M 1.71M
Change to account receivables -0.07M 0.04M -0.72M -0.82M 1.08M
Sale purchase of stock 0.00M -1.51M 43.01M 0.11M -3.93M
Other cashflows from financing activities 47.13M 42.64M 6.84M 49.93M 46.07M
Change to netincome - - - 0.47M 0.33M
Capital expenditures 1.12M 1.71M 1.38M 2.08M 1.24M
Change receivables - - - -0.82M -
Cash flows other operating - - - -3.58M -
Cash and cash equivalents changes - - - -18.14M -
Change in working capital 0.30M -0.46M 2.27M -0.86M 0.50M
Stock based compensation 0.00M 0.01M 0.04M 0.05M 0.04M
Other non cash items -2.73M -2.51M 5.71M -4.06M -0.44M
Free cash flow 2.06M 0.98M 4.81M 3.13M 8.70M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
ASRV
AmeriServ Financial Inc		 -
-%		 4.74 11.53 12.25 1.21 0.55 1.79
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

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.

Main and Franklin Street, Johnstown, PA, United States, 15907-0430

814 533 5300

https://www.ameriserv.com

311

Name Title Year Born
Mr. Jeffrey A. Stopko CPA Pres, CEO & Director 1963
Mr. Michael D. Lynch Exec. VP, CFO, Chief Risk Officer & Chief Investment Officer 1961
Mr. James T. Huerth Pres & CEO of Ameriserv Trust and Financial Services Company 1962
Mr. Robert E. Werner III Sr. VP & Chief Information Officer NA
Ms. Catherine M. Torok Sr. VP & Chief Information Officer NA
Ms. Susan Tomera Angeletti Sr. VP and Director of Corp. Marketing & Alternative Delivery Systems NA
Ms. Michele M. Scanlan Sr. VP & Chief HR Officer NA
Mr. Gary M. McKeown Exec. VP & Special Assistant to the Pres of AmeriServ Financial Bank 1945
Mr. Michael R. Baylor Chief Commercial Banking Officer & Exec. VP 1963
Ms. Bettina D. Fochler SVP & Chief Credit Officer of AmeriServ Financial Bank NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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