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AmeriServ Financial

ASRV

AmeriServ Financial Inc is a regional bank holding company that provides a comprehensive suite of consumer, commercial, and wealth management services.

Market cap
$75.56M+52.5%
Revenue$15.0M+1.9%
Net income$8.5M+130%
Free cash flow$41.0K-98.7%
EPS (diluted)$0.51+132%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 20, 2026 (In 2 weeks)

Financials

Q2 2026

Income statement

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Revenue$3.9M+7.5%
Net income$2.7M+1,071%
EPS (diluted)$0.16+900%

Balance sheet

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Cash & equivalents$28.0M+12.0%
Total debt$3.7M-45.1%
Total equity$123.1M+11.0%
Total assets$1.5B+0.9%

Cash flow

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Operating cash flow-$1.1M—
CapEx$467.0K+127%
Free cash flow-$1.6M—

Valuation & ratios

Valuation

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Market cap$75.56M+52.5%
Enterprise value$51.25M-2,296%
P/E8.9×-0.5×
P/S5×+1.8×

Profitability

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Net margin56.6%+31.6pp
FCF margin0.3%-20.9pp

Returns & leverage

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Return on equity7.3%+3.8pp
Debt / equity0×0.0×

Segments

By product

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Asset Management1$3.1M+11.2%
Financial Service Other$502.0K-3.1%
Deposit Account$275.0K-8.6%

Competitors

Profile

AmeriServ Financial Inc is a regional bank holding company that provides a comprehensive suite of consumer, commercial, and wealth management services. The company operates primarily through its subsidiary bank, focusing on traditional depository activities and specialized lending solutions for businesses and individuals. Its core value proposition centers on relationship-based community banking and sophisticated trust and investment advisory services for institutional and private clients.

Competitive position

A community-focused regional player with a specialized niche in union-related investment funds and a significant presence in the Western Pennsylvania market.

GeographiesPennsylvania, Maryland, United States
Customer segmentsRetail, SME, Institutional, Public Sector
Business modelInterest Income, Fee-based Advisory, Fiduciary Services
SuppliersFederal Reserve Bank, Depositors, Financial Technology Providers, Credit Rating Agencies
CustomersSmall and Medium Enterprises, Residential Mortgage Borrowers, Pension Fund Trustees, Local Municipalities
Listed1985
Employees323.0
CEOJeffrey A. Stopko
FilingsSEC EDGAR

FAQ

What is AmeriServ Financial's market cap?
AmeriServ Financial (ASRV) has a market capitalization of $75.6M and trades on NASDAQ.
What is AmeriServ Financial's revenue and profitability?
AmeriServ Financial generated $15.0M in trailing twelve-month revenue with net income of $8.5M, representing a net margin of 56.6%, with free cash flow of $41.0K. The latest reported period is Q2 2026.
Who are AmeriServ Financial's competitors?
AmeriServ Financial's key competitors include PNC Financial Services Group Inc, F.N.B. Corporation, S&T Bancorp Inc, and others. These companies compete in similar markets and product categories.
Who does AmeriServ Financial partner with?
AmeriServ Financial's notable partners include NYCE, CIRRUS, NASDAQ.
What subsidiaries does AmeriServ Financial have?
AmeriServ Financial's subsidiaries include AmeriServ Financial Bank, AmeriServ Wealth Advisors, Inc..
Where is AmeriServ Financial headquartered?
AmeriServ Financial is headquartered in United States of America and employs approximately 323 people. It has been publicly traded since 1985.