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Upturn AI SWOT - About
ASRV 
AmeriServ Financial Inc (ASRV)
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Upturn Advisory Summary
08/28/2025: 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 -3.15% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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. Over time, it evolved through mergers and acquisitions into AmeriServ Financial, a diversified financial services company.
Core Business Areas
- Banking: Offers a range of commercial and retail banking services, including deposit accounts, loans, and other financial products.
- Wealth Management: Provides investment advisory services, trust administration, and financial planning to individuals and institutions.
- Insurance: Offers property and casualty insurance, as well as life and health insurance products through its insurance division.
Leadership and Structure
AmeriServ Financial Inc. is led by a board of directors and executive management team. The company is structured into various divisions to manage its banking, wealth management, and insurance operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, equipment purchases, and expansion. Market share data unavailable. Competitors: PNC, FNB Corporation, S&T Bancorp.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data unavailable. Competitors: PNC, FNB Corporation, S&T Bancorp, national mortgage lenders.
- Wealth Management Services: Provides investment advice and financial planning. Revenue data unavailable. Competitors: Large national brokerages, regional wealth managers.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Banks are facing increased competition from fintech companies.
Positioning
AmeriServ Financial Inc. is a community-focused financial institution operating primarily in Western Pennsylvania. It differentiates itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for financial services in AmeriServ's geographic area is substantial. Exact figures are unavailable. AmeriServ captures a portion of this TAM via its banking and wealth management services, focusing on community-based relationships.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified revenue streams
- Good local market knowledge
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher operating costs than larger banks
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Adoption of digital banking technologies
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC (PNC)
- FNB Corporation (FNB)
- S&T Bancorp (STBA)
Competitive Landscape
AmeriServ Financial Inc. faces stiff competition from larger regional and national banks. Its competitive advantages stem from its local market expertise and personalized customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns will emerge from financial statement trend analysis.
Future Projections: Analyst estimates are needed to gauge the potential growth for future years.
Recent Initiatives: Information about recent projects would require access to the latest company communications, 10Q, 10K and annual reports.
Summary
AmeriServ Financial Inc. is a community bank with strengths in its local market knowledge and diversified services. Its size and limited geographic reach present challenges. Growth depends on expanding its services and managing competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (historical)
- Industry Reports (limited access)
Disclaimers:
This analysis is based on limited publicly available information. Financial data may be outdated. Consult with a financial professional before making investment decisions.
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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