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

AmeriServ Financial, Inc. (ASRV) has a MoatMap StockRank of 48/100 based on Quality (27/100), Value (48/100), and Momentum (60/100) factor scores. The current signal is HOLD. AmeriServ Financial is a micro-cap regional bank with weak quality metrics (Q: 27) and no structural competitive advantages or thematic tailwinds.

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$3.76
Market Cap$65M
P/E (TTM)11.45
Price/Book0.53
Return on Equity4.8%
Gross Margin0.0%
Operating Margin16.7%
Revenue Growth3.0%
Dividend Yield3.2%

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 48/100, with a Hold signal. It is a composite of Quality (27), Value (48), and Momentum (60) factor ranks across MoatMap’s 19,000+ stock universe.
Does AmeriServ Financial, Inc. have an economic moat?
AmeriServ Financial, Inc. (ASRV) has a Quality factor score of 27/100. 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 Hold, based on a StockRank of 48/100. 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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