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Upturn AI SWOT - About
ASRV 
AmeriServ Financial Inc (ASRV)
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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
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
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 Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| 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 - |
Upturn AI SWOT
AmeriServ Financial Inc
Company Overview
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.
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 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
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
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
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.
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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