ASRVNasdaqNational Commercial BanksFiscal year ends December 31
AMERISERV FINANCIAL INC /PA/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$4.38−0.16 (-3.52%)
Close on Oct 19, 2026
- Market cap
- $74.31M
- P/E (TTM)
- 8.6
- Dividend yield
- 2.74%
Ameriserv Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Market Cap | $74.37M | $679.86M |
| Enterprise Value | $46.32M | $408.94M |
| PE Ratio | 8.59 | 11.99 |
| PS Ratio | 4.94 | 3.59 |
| PB Ratio | 0.60 | 1.18 |
| P/TBV Ratio | 0.68 | 1.41 |
| P/OCF Ratio | 39.33 | 10.01 |
Enterprise value
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| EV / Sales | 3.08 | 2.76 |
Income (trailing twelve months)
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Revenue | $15.05M | $170.85M |
| Pretax Income | $10.38M | $70.12M |
| Net Income | $8.52M | $54.33M |
| EPS (Diluted) | $0.51 | $2.91 |
Margins
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Pretax Margin | 69.0% | 36.5% |
| Profit Margin | 56.6% | 29.1% |
Returns
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 7.28% | 10.6% |
| Return on Assets (ROA) | 0.59% | 1.12% |
Growth
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 1.93% | 11.8% |
| Net Income Growth (YoY) | 130.3% | 23.2% |
| EPS Growth (YoY) | 131.8% | 23.1% |
| Revenue Growth (3Y CAGR) | -0.23% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.68% | 6.17% |
| EPS Growth (3Y CAGR) | -7.53% | 1.31% |
| EPS Growth (5Y CAGR) | 4.72% | 8.24% |
Balance sheet
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $28.05M | $205.54M |
| Net Cash (Debt) | $28.05M | $164.40M |
| Net Cash Per Share | $1.65 | $8.13 |
| Equity (Book Value) | $123.08M | $563.88M |
| Book Value Per Share | $7.25 | $28.47 |
| Tangible Book Value | $109.43M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $1.89M | $61.52M |
Efficiency
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.01 | 0.04 |
| Revenue Per Employee | $48.38K | $353.78K |
| Profits Per Employee | $27.39K | $107.28K |
| Employee Count | 311 | 489 |
Dividends and yields
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Earnings Yield | 11.5% | 8.13% |
| Dividend Yield | 2.74% | 2.48% |
| Shareholder Yield | 2.74% | 3.13% |
| Dividend Per Share | $0.12 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 23.6% | 29.3% |
Shares
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Shares Outstanding | 16,979,300 | 18,839,100 |
| Shares Change (YoY) | 1.36% | 0.40% |
| Shares Change (QoQ) | 0.00% | 0.00% |
| Float | 12,498,400 | 17,061,900 |
| Shares Held by Insiders | 26.4% | 5.89% |
| Shares Held by Institutions | 39.2% | 61.9% |
Taxes
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Income Tax | $1.86M | $14.50M |
| Effective Tax Rate | 17.9% | 21.1% |
Scores
| Measure | Ameriserv Financial | Industry median |
|---|---|---|
| Graham Number | $9.12 | $45.31 |
| Graham Upside | 108.2% | 21.9% |
| Altman Z-Score | 0.11 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Ameriserv Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.