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ASRV

BuySecond WindFLAG

AmeriServ Financial, Inc. · Financial Services · United States · $82M · Avg Vol: $105K/d

79
StockRank
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Q
45
V
69
M
61
P/E (TTM)
9.9x
ROE
7.3%
D/E
0.6x
Dividend %
2.4%
Dir. Trades · 180d
−$48.9K →
Buybacks · 180d
None →
AI CONVICTION THESIS

AmeriServ Financial has value V70 and momentum M69, but quality at Q39 is below the calibrated floor, so stage one fails.

COMPANY DESCRIPTION

AmeriServ Financial, Inc. is a bank holding company that operates AmeriServ Financial Bank, providing regional retail, commercial, and trust banking services in Pennsylvania and Maryland. The company focuses on relationship-driven community banking, offering customized lending, wealth management, and deposit solutions to individuals and small businesses. AmeriServ's competitive moat is its deep-rooted local market presence and its specialized union-focused banking services.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue57.3M52.4M54.0M59.3M1.1%60.4M
EPS0.44-0.200.210.34-8.2%0.51
Shares17.1M17.1M16.5M16.5M-3.5%17.0M
Debt138.4M115.6M101.7M75.3M-18.4%69.9M
Equity106.2M102.3M107.2M119.3M4.0%—
Op CF5.2M6.3M2.7M3.2M-15.1%1.9M
Inv CF-56.3M-40.0M-23.1M11.1M——
Fin CF32.9M24.8M24.1M18.9M——
Loading 1Y...
PRICE (1Y)+4.7%
4.404.614.825.035.24Jul 29Aug 19Sep 9
SMA 50SMA 200

Close
$4.71
RSI (14)
43.5
52W High
$5.38
From 52W High
0.9%

SCORE BREAKDOWN

Quality
45
ROIC (ROA)
0.6%*25.6
ROE
7.3%35.9
GP/Assets
4.2%N/A
Op. Margin
22.2%38.4
FCF/Assets
0.1%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.63xN/A
Current Ratio
bankN/A
Value
69
P/E (TTM)
9.9x69.2
EV/EBITDA
bankN/A
P/FCF
39.5xN/A
P/B
0.7x85.0
P/S
1.4x84.0
Div Yield
2.4%31.3
Momentum
61
52W High %
88%39.1
RS 6M
20%85.6
SMA 50/200
1.19x92.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
—N/A

FUNDAMENTALS

Market Cap
$82M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ASRV are excluded.

TickerCompanyMkt CapStockRankSignal
ASRVAmeriServ Financial, Inc.(you)$82M79Buy
BKSCBank of South Carolina Corporation$101M79Buy
FUSBFirst US Bancshares, Inc.$90M76Buy
HFBLHome Federal Bancorp, Inc. of Louisiana$77M73Buy
AUBNAuburn National Bancorporation, Inc.$92M74Buy
MGYRMagyar Bancorp, Inc.$126M78Buy
CPBICentral Plains Bancshares, Inc.$82M67Buy
UNBUnion Bankshares, Inc.$117M71Buy
LSBKLake Shore Bancorp, Inc.$135M73Buy
BOTJBank of the James Financial Group, Inc.$123M88Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

AmeriServ Financial, Inc. (ASRV): Stock Score Summary

AmeriServ Financial, Inc. (ASRV) has a MoatMap StockRank of 79/100 based on Quality (45/100), Value (69/100), and Momentum (61/100) factor scores. The current signal is BUY. AmeriServ Financial has value V70 and momentum M69, but quality at Q39 is below the calibrated floor, so stage one fails.

AmeriServ Financial, Inc. is a bank holding company that operates AmeriServ Financial Bank, providing regional retail, commercial, and trust banking services in Pennsylvania and Maryland. The company focuses on relationship-driven community banking, offering customized lending, wealth management, and deposit solutions to individuals and small businesses. AmeriServ's competitive moat is its deep-rooted local market presence and its specialized union-focused banking services.

Key Financial Metrics

Price$4.71
Market Cap$82M
P/E (TTM)9.92
Price/Book0.70
Return on Equity7.3%
Debt/Equity0.63x
Operating Margin22.2%
Revenue Growth42.6%
Dividend Yield2.4%
Free Cash Flow$2M

AmeriServ Financial, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is AmeriServ Financial, Inc.’s (ASRV) StockRank?
MoatMap’s StockRank for AmeriServ Financial, Inc. (ASRV) is 79/100, with a Buy signal. It is a composite of Quality (45), Value (69), and Momentum (61) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does AmeriServ Financial, Inc. have an economic moat?
AmeriServ Financial, Inc. (ASRV) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is AmeriServ Financial, Inc. a buy, hold, or sell?
MoatMap’s current signal for AmeriServ Financial, Inc. (ASRV) is Buy, based on a StockRank of 79/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is AmeriServ Financial, Inc. in?
AmeriServ Financial, Inc. (ASRV) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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