Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
AmeriServ Financial Inc(ASRV)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ASRV
11/06/2026: ASRV (3-star) is currently NOT-A-BUY. Pass it for now.
AmeriServ Financial Inc is a regional bank holding company providing essential banking and wealth management services, primarily within Western Pennsylvania. Its core strengths include deep community roots and an established trust division that helps diversify revenue streams. The primary growth opportunity involves modernizing digital platforms and scaling fee-based wealth management. However, the company faces significant risks, including geographic concentration, competition from larger institutions, and sensitivity to interest rate fluctuations. It may appeal to value-oriented investors seeking income, provided they monitor the bank's ability to navigate competitive pressures and regional economic risks effectively.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a slow-growth regional bank focused on stability rather than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock lacks the high-volatility, high-volume growth patterns typical of momentum plays. |
| Value investor | Mixed fit | Investors may find value based on book value metrics, though growth prospects are limited. |
| Dividend investor | Mixed fit | The company provides dividend income, but investors should monitor payout sustainability closely. |
| Low-risk investor | Mixed fit | While established, the company faces risks associated with interest rate sensitivity and geographic concentration. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader banking sector fluctuations and localized economic risks. |
| Valuation risk | Medium | Valuation is tied closely to book value, which can be sensitive to asset quality changes. |
| Competition risk (banking) | High | Intense competition from larger banks and digital alternatives limits pricing power. |
| Business quality | Medium | The franchise has stable local roots but limited scale and growth drivers. |
| Dividend income | Medium | Dividends depend on bank profitability and capital requirements. |
| Execution risk | Medium | Effective management of interest rate risk and loan quality is essential for consistent returns. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 36.46% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 81.67M USD | Price to earnings Ratio 8.91 | 1Y Target Price 5.19 |
Price to earnings Ratio 8.91 | 1Y Target Price 5.19 | ||
Volume (30-day avg) 16.8K shares | Beta 0.42 | 52 Weeks Range 2.87 - 5.35 | Updated Date 11/08/2026 |
52 Weeks Range 2.87 - 5.35 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 0.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by earning more on loans than it pays out to depositors. |
| Fee-Based Services | Trust services, wealth management fees, and transaction service charges. | This provides a non-interest income stream that is less dependent on interest rate changes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-20 | When Before Market | Estimate - | Actual 0.18 |
Profitability
Profit Margin 14.8% | Operating Margin (TTM) 25.09% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) 7.67% |
Valuation
Trailing PE 8.91 | Forward PE 12.25 | Enterprise Value 133.48M | Price to Sales(TTM) 1.33 |
Enterprise Value 133.48M | Price to Sales(TTM) 1.33 | ||
Enterprise Value to Revenue 1.85 | Enterprise Value to EBITDA - | Shares Outstanding 16.98M | Shares Floating 12.84M |
Shares Outstanding 16.98M | Shares Floating 12.84M | ||
Percent Insiders 24.48 | Percent Institutions 39.62 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.