AmeriServ Financial, Inc.
AmeriServ Financial, Inc.
Your view on ASRV
Overview
What the company does, where it operates, and who runs it.
About AmeriServ Financial, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Jeffrey A. Stopko CPA
- Headquarters
- 216 Franklin Street, Johnstown, PA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Jeffrey A. Stopko CPA
- Headquarters
- 216 Franklin Street, Johnstown, PA, US
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products.
It offers retail banking services, such as 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.
The company 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, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers.
In addition, the company offers personal trust products and services, including 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.
Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines.
AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for AmeriServ Financial, Inc., and the rating behind it. ASRV last traded at $4.65, 8.9× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for AmeriServ Financial, Inc.. Starting points for AmeriServ Financial, Inc.: P/E 8.9, EPS $0.53, beta 0.43 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for AmeriServ Financial, Inc.. AmeriServ Financial, Inc. paid $0.12 per share over the last year — a 2.6% yield at the current $4.65 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for AmeriServ Financial, Inc.. Trailing twelve-month EPS for AmeriServ Financial, Inc. stands at $0.53. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for AmeriServ Financial, Inc.. AmeriServ Financial, Inc. has reported as a listed company since 1985. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
AmeriServ Financial, Inc. valued side by side against its closest peers. AmeriServ Financial, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold AmeriServ Financial, Inc., and how their positions are changing. At a $79.0M market value, institutional positions materially move AmeriServ Financial, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by AmeriServ Financial, Inc. executives and directors. Shares of AmeriServ Financial, Inc. have traded between $2.03 and $3.42 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming AmeriServ Financial, Inc.. AmeriServ Financial, Inc. is a $79.0M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming AmeriServ Financial, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for AmeriServ Financial, Inc.. Coverage tracks AmeriServ Financial, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.