ASRV$3.94
$3.94
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Powered by LiveAIOverall Analysis
BuyAmeriServ Financial, Inc. presents a mixed but generally positive investment profile. Fundamentally, it demonstrates stability and a reasonable dividend yield, though growth metrics are modest. Thematic exposure is limited. Technical indicators suggest a bearish short-term trend but potential for long-term recovery. The P/E ratio indicates it's trading at a fair valuation relative to its earnings.
Thematic
AmeriServ Financial, Inc. operates in the banking sector, which is subject to regulatory changes and interest rate sensitivity. Its core business does not align strongly with high-growth technological or emerging themes. Thematic impact is considered moderate.
Fundamental
AmeriServ Financial, Inc. exhibits a strong balance sheet with manageable debt levels and a healthy cash position. Profitability has been inconsistent over the past few years, with a loss in 2023 but a recovery in 2024. The dividend yield is attractive for income-seeking investors.
Technical
The stock has experienced a significant price decline over the past 6 months and year-to-date, indicating a bearish trend. While some short-term indicators show oversold conditions, the longer-term moving averages suggest downward pressure.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 50 |
| Interest Rate Sensitivity | 30 |
| ESG & Sustainability Focus | 40 |
| Regional Economic Exposure | 50 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 65 |
| Growth | 50 |
| Balance Sheet Health | 80 |
| Cash Flow | 60 |
| Dividend Yield | 95 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Price Action | 40 |
| Support & Resistance | 60 |
| Volume | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Strong Balance Sheet
The company exhibits a strong balance sheet with increasing assets year-over-year (2021: $1,335,560,000 to 2024: $1,422,362,000) and a manageable increase in liabilities, suggesting a stable financial foundation.
Improving Profitability
The company has transitioned from a net loss in 2023 (-$3,346,000) to a net profit in 2024 ($3,601,000) with a healthy net margin of 6.7%, indicating a positive turnaround in operational efficiency and profitability.
Bearish Points (7)
Slowing Revenue Growth
While the company is profitable, annual revenue growth has shown a slight decline from 2022 ($57.255M) to 2024 ($54.023M), which warrants monitoring for future expansion capabilities.
High Debt-to-Equity Ratio
The capital structure indicates a significant amount of debt ($101,687,000 in 2024Q4) relative to its market capitalization, which could pose a risk if earnings decline or interest rates increase.
Calendar
May 2025
19
Next Dividend Date
August 2025
4
Ex-Dividend Date
October 2025
21
Next Earnings Date
H: $
A: $
L: $
Profile
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.
Seasonals
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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