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AmeriServ Financial Inc (ASRV)

Upturn stock ratingUpturn stock rating
$3.04
Last Close (24-hour delay)
Profit since last BUY21.12%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/30/2025: ASRV (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $0

1 Year Target Price $0

Analysts Price Target For last 52 week
$0Target price
Low$
Current$3.04
high$

Analysis of Past Performance

Type Stock
Historic Profit 4.77%
Avg. Invested days 46
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

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

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

AmeriServ Financial Inc

stock logo

Company Overview

overview logo History and Background

AmeriServ Financial Inc. was founded in 1889 as a building and loan association in Johnstown, Pennsylvania. Over time, it evolved into a full-service financial institution, expanding its services and geographic reach through acquisitions and organic growth.

business area logo Core Business Areas

  • Banking: Provides a range of commercial and retail banking services, including checking and savings accounts, loans, and other financial products.
  • Wealth Management: Offers wealth management services, including investment advice, trust services, and retirement planning.
  • Insurance: Provides Insurance Services

leadership logo Leadership and Structure

AmeriServ Financial Inc. is led by a board of directors and a management team. The organizational structure includes various departments responsible for different aspects of the business, such as banking, wealth management, and operations.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial lending to businesses within its geographic area. Market share information is difficult to obtain as this is geographically concentrated, but competes with national and regional banks operating in Pennsylvania. Competitors include PNC Financial Services (PNC), Citizens Financial Group (CFG).
  • Residential Mortgages: Mortgage lending to individuals and families. Market share information not publicly available. Competitors include Rocket Companies (RKT), UWM Holdings Corporation (UWMC).
  • Wealth Management Services: Offers financial planning and investment advice to individuals and families. Information on revenue from Wealth Management is not reported.

Market Dynamics

industry overview logo Industry Overview

The banking industry is undergoing changes due to technology, regulatory changes, and economic factors. Community banks face pressure from larger institutions and fintech companies.

Positioning

AmeriServ is a community bank focusing on serving the financial needs of individuals and businesses in its local markets. It aims to differentiate itself through personalized service and local expertise.

Total Addressable Market (TAM)

The total addressable market is substantial, encompassing the banking, wealth management, and insurance needs of individuals and businesses in Pennsylvania. AmeriServ's TAM is influenced by regional economic activity and population demographics. The TAM is in the billions.

Upturn SWOT Analysis

Strengths

  • Strong local presence and brand recognition
  • Established customer relationships
  • Diversified business lines (banking, wealth management)
  • Experienced management team

Weaknesses

  • Limited geographic reach compared to larger banks
  • Smaller scale and resources
  • Susceptibility to regional economic downturns
  • Dependence on net interest income

Opportunities

  • Expand into new markets within Pennsylvania
  • Increase digital banking capabilities
  • Cross-selling opportunities between business lines
  • Acquire smaller community banks

Threats

  • Competition from larger banks and fintech companies
  • Rising interest rates
  • Economic recession
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • PNC
  • CFG
  • FHB

Competitive Landscape

AmeriServ faces strong competition from larger regional and national banks with greater resources and broader service offerings. To compete effectively, AmeriServ must focus on its local expertise, customer service, and digital capabilities.

Growth Trajectory and Initiatives

Historical Growth: Historical growth information not available without detailed financial data.

Future Projections: Future growth projections not available without analyst estimates.

Recent Initiatives: Recent initiatives need sourcing from company press releases or financial reports which are not present here

Summary

AmeriServ Financial Inc. is a community bank with a strong local presence in Pennsylvania. Its strengths lie in established customer relationships and diversified business lines. The company faces challenges from larger competitors and economic conditions. Strategic initiatives like digital banking enhancements and targeted acquisitions can strengthen the company's market position.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company website
  • SEC filings
  • Industry reports

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available resources. Real-time financial data may differ.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 298

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.