AmeriServ Financial, Inc.

How big is AmeriServ Financial, Inc.?

As of Jun 18, AmeriServ Financial, Inc. has a market capitalization of 76.61 million and total assets of 1,422.36 million, with shareholder's funds at 107.25 million.

As of Jun 18, AmeriServ Financial, Inc. has a market capitalization of 76.61 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 67.30 million, while the net profit for the same period is 3.60 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 107.25 million and total assets amounting to 1,422.36 million.

What does AmeriServ Financial, Inc. do?

AmeriServ Financial, Inc. is a bank holding company that provides retail and commercial banking and wealth management services. As of March 2025, it reported net sales of $17 million and a net profit of $2 million, with a market cap of $76.61 million.

Overview:<BR>AmeriServ Financial, Inc. is a bank holding company operating in the regional banks industry, focusing on retail and commercial banking, as well as wealth management services.<BR><BR>Financial Snapshot:<BR>- Most recent Net Sales: 17 Million (Quarterly Results - Mar 2025)<BR>- Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025)<BR>- Market-cap: USD 76.61 Million (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 22.00<BR>- Dividend Yield: 269.47%<BR>- Debt Equity: 0.00<BR>- Return on Equity: 3.25%<BR>- Price to Book: 0.69<BR><BR>Contact Details:<BR>- Address: PO Box 430, JOHNSTOWN PA: 15907-0430<BR>- Tel: 1 814 5335300<BR>- Website: https://www.ameriserv.com/

Who are in the management team of AmeriServ Financial, Inc.?

As of March 2022, the management team of AmeriServ Financial, Inc. includes Craig Ford (Non-Executive Independent Chairman), Jeffrey Stopko (President and CEO), and several Independent Directors: Allan Dennison, J. Michael Adams, Daniel DeVos, and Bruce Duke. They oversee the company's strategic direction and management.

As of March 2022, the management team of AmeriServ Financial, Inc. includes the following individuals:<BR><BR>- Craig Ford, who serves as the Non-Executive Independent Chairman of the Board.<BR>- Jeffrey Stopko, who is the President, Chief Executive Officer, and a Director.<BR>- Allan Dennison, who is a Director.<BR>- Mr. J. Michael Adams, who is an Independent Director.<BR>- Daniel DeVos, who is also an Independent Director.<BR>- Bruce Duke, who serves as an Independent Director. <BR><BR>This team is responsible for overseeing the strategic direction and management of the company.

Should I buy, sell or hold AmeriServ Financial, Inc.?

Is AmeriServ Financial, Inc. technically bullish or bearish?

As of September 5, 2025, AmeriServ Financial, Inc. shows a mildly bullish technical trend despite some bearish indicators on the weekly timeframe, and it has underperformed the S&P 500 with returns of -5.30% over the past month and 12.16% over the past year.

As of 5 September 2025, the technical trend for AmeriServ Financial, Inc. has changed from bullish to mildly bullish. The weekly MACD and KST indicators are mildly bearish, while the monthly MACD and KST are mildly bullish. The daily moving averages indicate a mildly bullish stance. Bollinger Bands show a bearish signal on the weekly timeframe but a mildly bullish signal on the monthly. The RSI has no signal on both weekly and monthly timeframes. Overall, the technical stance is mildly bullish, albeit with some bearish indicators in the weekly timeframe.<BR><BR>In terms of performance, the stock has underperformed the S&P 500 over the past month and year, with returns of -5.30% and 12.16% respectively, compared to the S&P 500's returns of 2.33% and 17.14%.

Is AmeriServ Financial, Inc. overvalued or undervalued?

As of October 3, 2025, AmeriServ Financial, Inc. is considered very attractive due to its undervaluation, highlighted by a P/E ratio of 22, a Price to Book Value of 0.71, a PEG Ratio of 0.10, and an exceptional dividend yield of 264.06%, despite having a higher P/E compared to peers.

As of 3 October 2025, the valuation grade for AmeriServ Financial, Inc. has moved from attractive to very attractive. This indicates that the company is currently undervalued. Key valuation ratios include a P/E ratio of 22, a Price to Book Value of 0.71, and an impressive PEG Ratio of 0.10, suggesting strong growth potential relative to its price.<BR><BR>When compared to peers, AmeriServ's P/E ratio of 22 is higher than Village Bank & Trust Financial Corp.'s 17.15 and Auburn National Bancorporation, Inc.'s 16.35, indicating a premium valuation among its peers. Additionally, the company's dividend yield of 264.06% stands out significantly, further reinforcing its attractiveness. Although specific return data is not available, the overall valuation narrative suggests that AmeriServ Financial, Inc. is positioned favorably in the market.