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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 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. more
| Time Frame | ASRV | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -7.85% | -4.74% | -1.38% |
| 1-Month Return | 10% | -4.68% | -1.81% |
| 3-Month Return | 13.92% | -2.43% | 1.38% |
| 6-Month Return | 20.96% | -2.03% | 5.68% |
| 1-Year Return | 33.84% | -0.02% | 11.74% |
| 3-Year Return | -12% | 40.04% | 65.15% |
| 5-Year Return | -11.11% | 61.23% | 73.68% |
| 10-Year Return | 15.03% | 205.62% | 260.03% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 64.43M | 65.75M | 77.25M | 84.48M | 88.34M | [{"date":"2021-12-31","value":72.93,"profit":true},{"date":"2022-12-31","value":74.43,"profit":true},{"date":"2023-12-31","value":87.44,"profit":true},{"date":"2024-12-31","value":95.63,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | 8.69M | 8.54M | 32.27M | 31.34M | 33.21M | [{"date":"2021-12-31","value":26.15,"profit":true},{"date":"2022-12-31","value":25.73,"profit":true},{"date":"2023-12-31","value":97.16,"profit":true},{"date":"2024-12-31","value":94.37,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Profit | 55.74M | 57.20M | 44.98M | 53.14M | 55.13M | [{"date":"2021-12-31","value":97.45,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":78.63,"profit":true},{"date":"2024-12-31","value":92.89,"profit":true},{"date":"2025-12-31","value":96.38,"profit":true}] |
| Gross Margin | 86.52% | 87.00% | 58.23% | 62.90% | 62.41% | [{"date":"2021-12-31","value":99.44,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":66.92,"profit":true},{"date":"2024-12-31","value":72.3,"profit":true},{"date":"2025-12-31","value":71.73,"profit":true}] |
| Operating Expenses | 46.97M | 48.00M | 49.37M | 48.74M | 48.34M | [{"date":"2021-12-31","value":95.14,"profit":true},{"date":"2022-12-31","value":97.24,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":98.73,"profit":true},{"date":"2025-12-31","value":97.91,"profit":true}] |
| Operating Income | 8.77M | 9.20M | (4.39M) | 4.40M | 6.80M | [{"date":"2021-12-31","value":95.36,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-47.69,"profit":false},{"date":"2024-12-31","value":47.81,"profit":true},{"date":"2025-12-31","value":73.86,"profit":true}] |
| Total Non-Operating Income/Expense | 31.37M | 33.38M | 31.63M | 77.39M | - | [{"date":"2021-12-31","value":40.53,"profit":true},{"date":"2022-12-31","value":43.13,"profit":true},{"date":"2023-12-31","value":40.88,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 8.77M | 9.20M | (4.39M) | 4.40M | 6.80M | [{"date":"2021-12-31","value":95.36,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-47.69,"profit":false},{"date":"2024-12-31","value":47.81,"profit":true},{"date":"2025-12-31","value":73.86,"profit":true}] |
| Income Taxes | 1.70M | 1.75M | (1.04M) | 798.00K | 1.18M | [{"date":"2021-12-31","value":97.09,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-59.44,"profit":false},{"date":"2024-12-31","value":45.52,"profit":true},{"date":"2025-12-31","value":67.54,"profit":true}] |
| Income After Taxes | 7.07M | 7.45M | (3.35M) | 3.60M | - | [{"date":"2021-12-31","value":94.95,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-44.92,"profit":false},{"date":"2024-12-31","value":48.35,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 7.07M | 7.45M | (3.35M) | 3.60M | - | [{"date":"2021-12-31","value":94.95,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-44.92,"profit":false},{"date":"2024-12-31","value":48.35,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 7.07M | 7.45M | (3.35M) | 3.60M | 5.61M | [{"date":"2021-12-31","value":94.95,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-44.92,"profit":false},{"date":"2024-12-31","value":48.35,"profit":true},{"date":"2025-12-31","value":75.35,"profit":true}] |
| EPS (Diluted) | 0.41 | 0.44 | (0.20) | 0.21 | 0.34 | [{"date":"2021-12-31","value":94.21,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-44.85,"profit":false},{"date":"2024-12-31","value":48.02,"profit":true},{"date":"2025-12-31","value":79.04,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| ASRV | |
|---|---|
| Cash Ratio | 0.04 |
| Current Ratio | 0.04 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| ASRV | |
|---|---|
| ROA (LTM) | 0.35% |
| ROE (LTM) | 4.54% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| ASRV | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.92 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.08 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| ASRV | |
|---|---|
| Trailing PE | 10.30 |
| Forward PE | NM |
| P/S (TTM) | 1.08 |
| P/B | 0.20 |
| EV/R | 1.74 |
| EV/Ebitda | NM |
| PEG | NM |
AmeriServ Financial Inc (ASRV) share price today is $3.51
Yes, Indians can buy shares of AmeriServ Financial Inc (ASRV) on Vested. To buy
Yes, you can purchase fractional shares of AmeriServ Financial Inc (ASRV) via the Vested app. You can start investing in AmeriServ Financial Inc (ASRV) with a minimum investment of $1.
You can invest in shares of AmeriServ Financial Inc (ASRV) via Vested in three simple steps:
The 52-week high price of AmeriServ Financial Inc (ASRV) is $3.88. The 52-week low price of AmeriServ Financial Inc (ASRV) is $1.95.
The price-to-earnings (P/E) ratio of AmeriServ Financial Inc (ASRV) is 10.3
The price-to-book (P/B) ratio of AmeriServ Financial Inc (ASRV) is 0.20
The dividend yield of AmeriServ Financial Inc (ASRV) is 3.83%
The market capitalization of AmeriServ Financial Inc (ASRV) is $59.68M
The stock symbol (or ticker) of AmeriServ Financial Inc is ASRV
Consider the share price of AmeriServ Financial Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether AmeriServ Financial Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in AmeriServ Financial Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the AmeriServ Financial Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of AmeriServ Financial Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that AmeriServ Financial Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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