AmeriServ Financial Inc (ASRV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
AmeriServ Financial Inc stock (ASRV) is currently trading at $3.56. AmeriServ Financial Inc PE ratio is 10.30. AmeriServ Financial Inc PS ratio (Price-to-Sales) is 1.13. Analyst consensus price target for ASRV is $5.19. WallStSmart rates ASRV as Moderate Buy.
- ASRV PE ratio analysis and historical PE chart
- ASRV PS ratio (Price-to-Sales) history and trend
- ASRV intrinsic value — DCF, Graham Number, EPV models
- ASRV stock price prediction 2025 2026 2027 2028 2029 2030
- ASRV fair value vs current price
- ASRV insider transactions and insider buying
- Is ASRV undervalued or overvalued?
- AmeriServ Financial Inc financial analysis — revenue, earnings, cash flow
- ASRV Piotroski F-Score and Altman Z-Score
- ASRV analyst price target and Smart Rating
AmeriServ Financial Inc
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ASRV Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · AmeriServ Financial Inc (ASRV)
ASRV trades at a significant discount to its Graham intrinsic value of $14.04, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
AmeriServ Financial Inc (ASRV) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Concerns around market cap and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
AmeriServ Financial Inc (ASRV) Key Strengths (5)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 114.30% year-over-year
Strong operational efficiency: $22 kept per $100 revenue
Paying $1.13 for every $1 of annual revenue
Supporting Valuation Data
AmeriServ Financial Inc (ASRV) Areas to Watch (5)
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Thin profit margins with limited profitability
Solid revenue growth at 14.50% per year
Moderate institutional interest at 41.95%
AmeriServ Financial Inc (ASRV) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (0.95), Price/Sales (1.13), Price/Book (0.21) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 22.20%. Growth metrics are encouraging with EPS Growth at 114.30%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Profit Margin. Growth concerns include Revenue Growth at 14.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.54%, Profit Margin at 9.46%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.54% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Book) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ASRV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ASRV's Price-to-Sales ratio of 1.13x sits near its historical average of 1.15x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 5% below its historical high of 1.18x set in Mar 2026, and 2% above its historical low of 1.1x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for AmeriServ Financial Inc (ASRV) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
AmeriServ Financial Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 53M with 14% growth year-over-year. Profit margins are thin at 9.5%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 4.5% suggests the company isn't efficiently converting equity into profits.
Free cash flow is -4M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can AmeriServ Financial Inc push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 3.8%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 81M is significantly higher than cash (15M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact AmeriServ Financial Inc.
Bottom Line
AmeriServ Financial Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(9 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 2:28:49 PM
About AmeriServ Financial Inc(ASRV)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
AmeriServ Financial, Inc. is the banking holding company for AmeriServ Financial Bank offering a variety of consumer, mortgage and commercial financial products. The company is headquartered in Johnstown, Pennsylvania.