AMERISERV FINANCIAL INC
ASRVNASDAQTrading Snapshot
- Day Range
- $4.69 – $4.77
- 52-Week Range
- $2.85 – $5.38
- Volume
- $2.88B
- Avg Volume
- $3.47B
- Shares Outstanding
- 17.0M
- Next Earnings
- Nov 1, 2026
Fundamentals Snapshot
- Annual Revenue
- $88M
- Last Q Revenue
- $23M
- P/E Ratio
- 9.3
- P/S Ratio
- 0.9x
- EPS (TTM)
- $0.51
- Dividend Yield
- 2.54%
- Dilution (1yr)
- +0.3%
Why Investors Own ASRV
- ✓High-growth profile — revenue up -7.5% YoY with expanding US Equity exposure.
- ✓Healthy economics — 37% gross margin and 15% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
AMERISERV FINANCIAL INC
ASRV
StockOtter · stockotter.spaceAbout AMERISERV FINANCIAL INC
AmeriServ Financial, Inc. operates as the holding company for AmeriServ Financial Bank, providing a broad spectrum of financial products to individual consumers, mortgage borrowers, and commercial clients. Its retail banking services encompass various deposit accounts, including checking, money market, savings, and time deposits. The bank also offers personal lending solutions such as secured and unsecured consumer loans, mortgage financing, and ancillary services like safe deposit boxes, holiday club accounts, and money orders. For its commercial, industrial, financial, and governmental customers, AmeriServ delivers extensive lending and treasury services. These include commercial real estate and construction loans, short and medium-term financing, revolving credit lines, and funding for inventory and accounts receivable. Additionally, it provides business savings accounts, certificates of deposit, wire transfers, and secure depository options like night drops and lockbox services. The company's trust department offers personal trust services, covering investment portfolio management, estate planning and administration, custodial services, and pre-need trusts. Institutional trust offerings include the management of 401(k)s, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. AmeriServ also provides financial advisory services through the sale of mutual funds, annuities, and insurance products. A notable offering is its union collective investment funds, which channel union pension capital into construction projects employing union labor. The firm also engages in underwriting credit life and disability insurance as a reinsurer. AmeriServ Financial operates through a network of 17 banking branches located in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties in Pennsylvania, as well as Washington County, Maryland, complemented by 18 automated teller machines. The company maintains its corporate headquarters in Johnstown, Pennsylvania.
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)Analyst Price Target
ⓘLatest News & Updates
AmeriServ Trades at a Discount: Should You Buy, Sell or Hold?
ASRV benefits from spread income growth, improving credit trends, higher fee revenue and a stronger funding profile, supporting earnings and balance-sheet flexibility.
AmeriServ Q2 Earnings Rise Y/Y on Margin and Credit Strength
ASRV returns to earnings per share in Q2 2026 as higher net interest income, stronger fee revenues and improved credit quality offset rising expenses.
AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE SECOND QUARTER AND FIRST SIX MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND
JOHNSTOWN, Pa., July 21, 2026 /PRNewswire/ -- AmeriServ Financial, Inc. (NASDAQ: ASRV) reported second quarter 2026 net income of $2,738,000, or $0.16 per diluted common share.