AmeriServ Financial, Inc. (ASRV)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 53 | 57 | 57 | 52 | 54 | 59 | 61 | - |
| Operating profit | $m | 7 | 10 | ||||||
| Net profit | $m | 5 | 7 | 7 | -3 | 4 | 6 | 9 | - |
| EPS reported | $ | 0.34 | 0.51 | ||||||
| Operating cashflow per share | $ | 0.19 | 0.11 | ||||||
| Capex per share | $ | 0.07 | 0.06 | ||||||
| FCF per share | $ | 0.12 | 0.05 | ||||||
| Free cash flow | $m | 2 | 1 | ||||||
| Net debt | $m | 2 | 49 | ||||||
| Book value equity | $m | 119 | 123 | ||||||
| Book value per share | $ | 7.22 | 7.25 | ||||||
| Number of shares | m | 16.53 | 16.97 | ||||||
| DPS (TTM paid) | $ | 0.12 | 0.12 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.38 | 9.07 | ||||||
| P/B LTM | x | 0.44 | 0.43 | ||||||
| P/S LTM | x | 0.89 | 0.86 | ||||||
| P/FCF LTM | x | 25.54 | 58.04 | ||||||
| EV/EBITDA LTM | x | 8.67 | 6.44 | ||||||
| EV/Sales LTM | x | 0.87 | 1.55 | ||||||
| Earnings Yield LTM | % | +10.66% | +11.03% | ||||||
| FCF Yield | % | +3.91% | +1.72% | ||||||
| Quality | |||||||||
| ROE | % | +4.70% | +7.13% | ||||||
| ROIC | % | +2.73% | +15.13% | ||||||
| Operating margin | % | +7.69% | +11.59% | ||||||
| Gross margin | % | +62.41% | +67.45% | ||||||
| FCF/Sales | % | +2.34% | +1.01% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +61.90% | +142.86% | ||||||
| Sales Growth YoY | % | +9.68% | +13.67% | ||||||
| Net Income Growth YoY | % | +55.85% | +136.55% | ||||||
| FCF Growth | % | +111.37% | -6.97% | ||||||
| Operating Profit Growth | % | +54.49% | +135.99% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.76% | +2.37% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +35.27% | +17.65% | ||||||
| FCF/Debt | x | 0.03 | 0.01 | ||||||
| Net Debt/EBITDA | x | 2.75 | 4.42 | ||||||
| EBIT/Net interest | x | 0.23 | 0.37 | ||||||
| Net debt/market cap | % | +1.35% | +73.37% | ||||||
| Net debt/Equity | x | 0.02 | 0.40 | ||||||
| Gross debt/equity | x | 0.63 | 0.54 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
AmeriServ Financial, Inc. (ASRV)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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