Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
- About
ASRV 
AmeriServ Financial Inc (ASRV)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/26/2025: ASRV (1-star) is a SELL. SELL since 4 days. Simulated Profits (-1.95%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.79% | Avg. Invested days 42 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 49.06M USD | Price to earnings Ratio 13.5 | 1Y Target Price 5.19 |
Price to earnings Ratio 13.5 | 1Y Target Price 5.19 | ||
Volume (30-day avg) - | Beta 0.47 | 52 Weeks Range 2.00 - 3.02 | Updated Date 06/29/2025 |
52 Weeks Range 2.00 - 3.02 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.04% | Basic EPS (TTM) 0.22 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.8% | Operating Margin (TTM) 18.56% |
Management Effectiveness
Return on Assets (TTM) 0.26% | Return on Equity (TTM) 3.36% |
Valuation
Trailing PE 13.5 | Forward PE - | Enterprise Value 119700224 | Price to Sales(TTM) 0.93 |
Enterprise Value 119700224 | Price to Sales(TTM) 0.93 | ||
Enterprise Value to Revenue 2.44 | Enterprise Value to EBITDA - | Shares Outstanding 16519300 | Shares Floating 13630047 |
Shares Outstanding 16519300 | Shares Floating 13630047 | ||
Percent Insiders 19.66 | Percent Institutions 40.73 |
Upturn AI SWOT
AmeriServ Financial Inc
Company Overview
History and Background
AmeriServ Financial Inc. was founded in 1900 as The Johnstown Bank. It evolved over time, eventually rebranding to AmeriServ Financial in the late 1990s to reflect its expanded service offerings and geographic reach. A significant milestone was its conversion from a mutual savings bank to a stock savings bank and its subsequent public offering. AmeriServ has a long history of serving the Johnstown, Pennsylvania region and has grown through organic expansion and a commitment to community banking.
Core Business Areas
- Community Banking: AmeriServ operates as a community-focused financial institution, providing a range of deposit and loan products to individuals, families, and small to medium-sized businesses. This includes checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), residential mortgages, commercial real estate loans, and consumer loans.
- Financial Services: Through its subsidiaries, AmeriServ offers a broader suite of financial services. This includes mortgage origination, title insurance, and wealth management services, aiming to provide comprehensive financial solutions to its customers.
Leadership and Structure
AmeriServ Financial Inc. is led by a Board of Directors and a management team responsible for overseeing its operations. Key leadership positions typically include a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various departments such as lending, operations, and retail banking. The organizational structure is designed to support its community banking model with a focus on customer service and local market penetration.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offering convenience and interest earnings for customers. Competitors include national banks, regional banks, and online-only banks.
- Residential Mortgages: Loans for home purchases and refinancing. Competitors include large national mortgage lenders, other community banks, and credit unions.
- Commercial Loans: Financing for businesses for working capital, real estate, and equipment. Competitors include other community banks, regional banks, and specialized commercial lenders.
- Wealth Management: Investment and financial planning services. Competitors include large brokerage firms, independent financial advisors, and trust companies.
Market Dynamics
Industry Overview
The community banking sector in the US operates in a highly competitive environment. It is characterized by a mix of local banks, regional banks, and large national institutions. The industry is influenced by interest rate movements, regulatory changes, technological advancements (fintech), and evolving customer preferences for digital banking services.
Positioning
AmeriServ Financial Inc. positions itself as a community-focused bank emphasizing personalized service and local market knowledge. Its competitive advantage lies in its strong ties to the Johnstown, Pennsylvania community, its long-standing reputation, and its ability to offer tailored solutions that larger institutions may not provide. However, it faces challenges in competing on scale and technological innovation with larger banks.
Total Addressable Market (TAM)
The TAM for community banking services is vast, encompassing all deposit and lending needs of individuals and businesses within its operating regions. AmeriServ's TAM is primarily defined by the geographic and demographic characteristics of its core markets in Southwestern Pennsylvania. Its positioning is that of a localized provider serving a specific segment within the broader financial services TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence and community ties in Johnstown, PA.
- Long-standing reputation and customer loyalty.
- Personalized customer service model.
- Diversified revenue streams through subsidiaries.
- Experienced management team with local knowledge.
Weaknesses
- Limited geographic diversification, making it susceptible to local economic downturns.
- Smaller scale compared to larger regional and national banks, potentially limiting investment in technology and marketing.
- Reliance on traditional banking channels, potentially slower adoption of cutting-edge digital solutions.
- Limited brand recognition outside of its primary service area.
Opportunities
- Expansion into adjacent geographic markets with similar demographic profiles.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Developing new product lines or services to meet evolving customer needs (e.g., specialized business lending, expanded wealth management).
- Strategic partnerships or acquisitions to expand reach or capabilities.
- Capitalizing on a potential 'buy local' sentiment.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Changes in interest rate environments affecting net interest margins.
- Increasing regulatory compliance burdens.
- Economic slowdowns or recessions impacting loan demand and credit quality.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- S&T Bancorp, Inc. (STBA)
- Citizens Financial Group, Inc. (CFG)
- KeyCorp (KEY)
- PNC Financial Services Group, Inc. (PNC)
- F.N.B. Corporation (FNB)
Competitive Landscape
AmeriServ's competitive advantages include its deep local market knowledge, strong customer relationships, and personalized service. Its disadvantages stem from its smaller scale, which can limit its ability to invest in cutting-edge technology and compete on price with larger institutions. Competitors like PNC and KeyCorp have broader geographic reach and significantly larger balance sheets, enabling them to offer a wider range of services and invest more heavily in innovation and marketing.
Growth Trajectory and Initiatives
Historical Growth: AmeriServ Financial Inc.'s historical growth has likely been characterized by steady, incremental expansion within its established markets. This would be reflected in the growth of its loan and deposit portfolios, as well as an increase in assets under management, driven by its community banking strategy.
Future Projections: Future projections for AmeriServ would typically depend on analyst expectations regarding economic conditions, interest rate outlook, and the company's ability to execute its strategic initiatives. These projections often focus on anticipated growth in loans, deposits, and profitability, considering competitive pressures and market opportunities.
Recent Initiatives: Recent initiatives may include investments in digital banking platforms, enhancements to existing product offerings, targeted marketing campaigns, or strategic collaborations aimed at attracting new customer segments or retaining existing ones. Exploration of potential for strategic mergers or acquisitions could also be a recent initiative.
Summary
AmeriServ Financial Inc. is a well-established community bank with deep roots in its local market. Its strengths lie in its customer relationships and personalized service. However, it faces significant competition from larger institutions and must continually adapt to evolving technological demands and economic shifts. Focusing on strategic digital enhancements and potential for targeted growth beyond its core region will be crucial for sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Official company filings (SEC EDGAR)
- Financial news outlets and market data providers (e.g., Yahoo Finance, Bloomberg)
- Industry reports and analysis
Disclaimers:
This JSON output is generated based on publicly available information and AI analysis. It is intended for informational purposes only and does not constitute financial advice. Investors should conduct their own due diligence before making any investment decisions. Market share data for smaller companies like AmeriServ is often estimated or not readily available in granular detail and may be generalized. Competitor market share is indicative and may vary based on specific metrics and timeframes.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About AmeriServ Financial Inc
Exchange NASDAQ | Headquaters Johnstown, PA, United States | ||
IPO Launch date 1990-03-27 | President, CEO & Director Mr. Jeffrey A. Stopko CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 298 | Website https://www.ameriserv.com |
Full time employees 298 | Website https://www.ameriserv.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.