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ASRV 
AmeriServ Financial Inc (ASRV)
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Upturn Advisory Summary
11/05/2025: ASRV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -5.76% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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 1889 as The First National Bank of Johnstown. It evolved from a single-office bank to a diversified financial services company through strategic acquisitions and expansions.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers trust, investment management, and financial planning services to individuals and families.
- Insurance: Provides various insurance products through its insurance agency subsidiary.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as lending, operations, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment financing. Market share is regional, difficult to quantify precisely. Competitors include larger regional and national banks. Competitors: PNC, Northwest Bancshares.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share is regional, difficult to quantify precisely. Competitors include mortgage lenders and banks. Competitors: Rocket Mortgage, Wells Fargo.
- Wealth Management Services: Investment management and financial planning services for individuals and families. Market share is regional, difficult to quantify precisely. Competitors include national brokerage firms and investment advisors. Competitors: Fidelity, Schwab.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and pressure on interest rate margins. The wealth management sector is influenced by market performance and investor sentiment. Insurance sector relies on managing risk and sales efforts.
Positioning
AmeriServ Financial Inc. is a community-focused financial institution operating in a competitive market. Its competitive advantages lie in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM for financial services in AmeriServ's operating region is substantial, encompassing banking, wealth management, and insurance. AmeriServ captures a portion through local penetration.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Diversified financial services
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on regional economy
- Lower brand recognition
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Developing new digital banking solutions
- Increasing wealth management penetration
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- Northwest Bancshares
- Fidelity
- Schwab
- Citizens Financial Group
Competitive Landscape
AmeriServ's advantages lie in its local focus. Disadvantages are smaller scale and resources than larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Information is needed to fill this section
Future Projections: Information is needed to fill this section.
Recent Initiatives: Information is needed to fill this section.
Summary
AmeriServ Financial Inc. is a community bank with a diversified suite of services. Its local presence builds strong customer relationships. Challenges include competing with larger national banks. Strategic growth and adapting to digital trends are crucial for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
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.
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