AmeriServ Financial, Inc. (ASRV)Financial Services | Banks - Regional | Johnstown, United States | NasdaqGM
3.82 USD
-0.01
(-0.261%) ⇩
(July 13, 2026, 4 p.m.
EDT)
After hours: 3.82 |
Hot Take ↕ | July 11, 2026, 3:21 a.m. EDT
AmeriServ Financial presents a classic value trap scenario where cheap valuation masks deteriorating operational reality. While the stock trades at an attractive 0.5x book value and offers a 3.1% dividend yield, the underlying business is struggling. Revenue growth is sluggish at just 3%, and profitability is eroding with an 8.2% decline in earnings and a return on equity of merely 4.75%. The price history confirms this distress, showing a brutal 34.6% drop last year followed by a weak recovery, leaving the stock flat over the last decade despite a recent uptick. The low beta suggests the stock is decoupling from broader market rallies, likely due to specific regional headwinds. The options market reflects this uncertainty, with heavy put buying at the lows providing a safety net while call buyers target a distant $5.00 level. Until the company demonstrates a sustained turnaround in earnings and revenue, the risk of further downside outweighs the appeal of the low price and dividend. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.016677 |
| AutoETS | 0.016871 |
| AutoARIMA | 0.016930 |
| MSTL | 0.017701 |
| MSTL_115 | 0.029290 |
| MSTL_90 | 0.029975 |
| MSTL_90_115 | 0.034396 |
Forecast horizon: 60 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 49% |
| H-stat | 0.15 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.842 |
| Excess Kurtosis | -0.26 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-05-03 |
| Last Dividend Date | 2026-05-03 |
| Revenue per Share | 3.343 |
| Market Cap | 64,803,504 |
| Trailing P/E | 11.58 |
| Beta | 0.43 |
| Profit Margins | 9.90% |
| Website | https://www.ameriserv.com |
As of July 11, 2026, 3:21 a.m. EDT: Speculators are positioning defensively with significant put open interest at the $2.50 strike, acting as a floor near the 52-week low. Conversely, there is notable call volume at the $5.00 strike, suggesting a speculative bet on a rebound toward the upper end of the trading range, though overall option activity remains sparse.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.77% | 3.61% | 4.22% | 3.72% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-05-04 | 0.030000 | 0.769231 |
| 2026-02-02 | 0.030000 | 0.845070 |
| 2025-11-03 | 0.030000 | 0.967742 |
| 2025-08-04 | 0.030000 | 1.030928 |
| 2025-05-05 | 0.030000 | 1.234568 |
| 2025-02-03 | 0.030000 | 1.127820 |
| 2024-11-04 | 0.030000 | 1.102941 |
| 2024-08-05 | 0.030000 | 1.304348 |
| 2024-05-03 | 0.030000 | 1.250000 |
| 2024-02-02 | 0.030000 | 0.958466 |
| 2023-11-03 | 0.030000 | 1.149425 |
| 2023-08-04 | 0.030000 | 0.914634 |
| 2023-05-05 | 0.030000 | 1.038062 |
| 2023-02-03 | 0.030000 | 0.738916 |
| 2022-11-04 | 0.030000 | 0.761421 |
| 2022-08-05 | 0.030000 | 0.761421 |
| 2022-05-06 | 0.030000 | 0.750000 |
| 2022-02-04 | 0.025000 | 0.574713 |
| 2021-11-05 | 0.025000 | 0.641026 |
| 2021-07-30 | 0.025000 | 0.659631 |
| 2021-04-30 | 0.025000 | 0.595238 |
| 2021-02-05 | 0.025000 | 0.642674 |
| 2020-10-30 | 0.025000 | 0.905797 |
| 2020-07-31 | 0.025000 | 0.871080 |
| 2020-05-01 | 0.025000 | 0.862069 |
| 2020-01-31 | 0.025000 | 0.609756 |
| 2019-11-01 | 0.025000 | 0.599520 |
| 2019-08-02 | 0.025000 | 0.603865 |
| 2019-05-03 | 0.025000 | 0.596659 |
| 2019-02-01 | 0.020000 | 0.487805 |
| 2018-11-02 | 0.020000 | 0.469484 |
| 2018-08-03 | 0.020000 | 0.449438 |
| 2018-05-04 | 0.020000 | 0.473934 |
| 2018-02-02 | 0.015000 | 0.365854 |
| 2017-11-03 | 0.015000 | 0.352941 |
| 2017-08-03 | 0.015000 | 0.375000 |
| 2017-05-04 | 0.015000 | 0.370370 |
| 2017-02-02 | 0.015000 | 0.379747 |
| 2016-11-03 | 0.015000 | 0.468750 |
| 2016-08-04 | 0.015000 | 0.479233 |
| 2016-05-05 | 0.010000 | 0.322581 |
| 2016-02-04 | 0.010000 | 0.317460 |
| 2015-10-29 | 0.010000 | 0.294985 |
| 2015-07-30 | 0.010000 | 0.295858 |
| 2015-04-30 | 0.010000 | 0.311526 |
| 2015-01-29 | 0.010000 | 0.333333 |
| 2014-10-30 | 0.010000 | 0.322581 |
| 2014-07-31 | 0.010000 | 0.314465 |
| 2014-05-01 | 0.010000 | 0.289017 |
| 2014-01-30 | 0.010000 | 0.303951 |
| 2013-10-31 | 0.010000 | 0.319489 |
| 2013-08-01 | 0.010000 | 0.325733 |
| 2013-05-02 | 0.010000 | 0.326797 |
| 2008-11-10 | 0.025000 | 0.957854 |
| 2002-12-02 | 0.030000 | 1.000000 |
| 2002-08-30 | 0.090000 | 3.488372 |
| 2002-06-03 | 0.090000 | 1.818182 |
| 2002-03-01 | 0.090000 | 1.965066 |
| 2001-11-26 | 0.090000 | 1.995565 |
| 2001-08-31 | 0.090000 | 1.682243 |
| 2001-06-04 | 0.090000 | 1.682243 |
| 2001-03-02 | 0.090000 | 2.117647 |
| 2000-11-27 | 0.090000 | 2.181818 |
| 2000-09-01 | 0.090000 | 2.057143 |
| 2000-06-05 | 0.090000 | 2.086957 |
| 2000-03-03 | 0.150000 | 1.702128 |
| 1999-11-24 | 0.150000 | 1.224490 |
| 1999-09-03 | 0.150000 | 1.016949 |
| 1999-06-07 | 0.150000 | 0.971660 |
| 1999-03-05 | 0.140000 | 0.805755 |
| 1998-12-28 | 0.140000 | 0.727273 |
| 1998-11-25 | 0.140000 | 0.695652 |
| 1998-09-04 | 0.140000 | 0.647399 |
| 1998-06-01 | 0.140000 | 0.526646 |
| 1998-03-06 | 0.116667 | 0.503599 |
| 1997-12-29 | 0.116667 | 0.493829 |
| 1997-12-01 | 0.116667 | 0.539501 |
| 1997-08-29 | 0.116667 | 0.570266 |
| 1997-06-02 | 0.116667 | 0.740743 |
| 1997-03-07 | 0.100000 | 0.609137 |
| 1996-12-30 | 0.100000 | 0.714286 |
| 1996-12-02 | 0.100000 | 0.740741 |
| 1996-08-30 | 0.100000 | 0.821918 |
| 1996-06-03 | 0.100000 | 0.924855 |
| 1996-03-01 | 0.090000 | 0.818182 |
| 1995-11-27 | 0.090000 | 0.850394 |
| 1995-09-01 | 0.090000 | 0.951542 |
| 1995-06-01 | 0.083333 | 1.104968 |
| 1995-03-01 | 0.083333 | 1.098897 |
| 1994-11-23 | 0.083333 | 1.190471 |
| 1994-08-31 | 0.083333 | 1.025637 |
| 1994-06-13 | 0.083333 | 0.980388 |
| 1994-03-02 | 0.073333 | 0.916662 |
| 1993-11-26 | 0.073333 | 0.916662 |
| 1993-09-01 | 0.066667 | 0.808085 |
| 1993-05-04 | 0.066667 | 0.860219 |
| 1993-03-03 | 0.066667 | 0.824746 |
| 1992-11-25 | 0.066667 | 0.919545 |
| 1992-09-01 | 0.066667 | 0.941181 |
| 1992-05-28 | 0.066667 | 1.000005 |
| 1992-03-04 | 0.050000 | 0.833333 |
| 1991-11-27 | 0.033333 | 0.571423 |
| 1991-05-29 | 0.033333 | 0.677959 |
| 1990-11-29 | 0.008333 | 0.204073 |
| 1987-06-01 | 0.073333 | 1.759992 |
| 1987-02-27 | 0.073333 | 1.189184 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.19687498 |
| Address1 | Main and Franklin Street |
| Address2 | PO BOX 430 |
| All Time High | 27.666668 |
| All Time Low | 0.9 |
| Ask | 4.94 |
| Ask Size | 2 |
| Average Daily Volume10 Day | 9,620 |
| Average Daily Volume3 Month | 11,567 |
| Average Volume | 11,567 |
| Average Volume10Days | 9,620 |
| Beta | 0.431 |
| Bid | 2.71 |
| Bid Size | 2 |
| Book Value | 7.115 |
| City | Johnstown |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 3.82 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 3.85 |
| Day Low | 3.7701 |
| Display Name | AmeriServ Financial |
| Dividend Date | 1,779,062,400 |
| Dividend Rate | 0.12 |
| Dividend Yield | 3.13 |
| Earnings Growth | -0.082 |
| Earnings Quarterly Growth | -0.06 |
| Earnings Timestamp | 1,776,774,600 |
| Earnings Timestamp End | 1,784,637,000 |
| Earnings Timestamp Start | 1,784,637,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 1.352 |
| Enterprise Value | 75,108,496 |
| Eps Trailing Twelve Months | 0.33 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,777,852,800 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 3.8126 |
| Fifty Day Average Change | 0.007400036 |
| Fifty Day Average Change Percent | 0.0019409421 |
| Fifty Two Week Change Percent | 19.687498 |
| Fifty Two Week High | 4.04 |
| Fifty Two Week High Change | -0.22000003 |
| Fifty Two Week High Change Percent | -0.05445545 |
| Fifty Two Week Low | 2.64 |
| Fifty Two Week Low Change | 1.1799998 |
| Fifty Two Week Low Change Percent | 0.44696963 |
| Fifty Two Week Range | 2.64 - 4.04 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 475,943,400,000 |
| Five Year Avg Dividend Yield | 3.67 |
| Float Shares | 12,817,861 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 299 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.0 |
| Gross Profits | 55,561,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.26679 |
| Held Percent Institutions | 0.39646998 |
| Implied Shares Outstanding | 16,964,267 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Ir Website | https://www.ameriserv.com/#/investor-information |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,777,852,800 |
| Last Dividend Value | 0.03 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 902,102,400 |
| Last Split Factor | 3:1 |
| Long Business Summary | 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 life 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. |
| Long Name | AmeriServ Financial, Inc. |
| Market | us_market |
| Market Cap | 64,803,504 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_311189 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 5,498,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 64,973,142 |
| Open | 3.83 |
| Operating Cashflow | 2,944,000 |
| Operating Margins | 0.16669 |
| Payout Ratio | 0.36360002 |
| Peg Ratio | 0.95 |
| Phone | 814 533 5300 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 3.82 |
| Post Market Time | 1,783,973,404 |
| Previous Close | 3.83 |
| Price Hint | 4 |
| Price To Book | 0.5368939 |
| Price To Sales Trailing12 Months | 1.1663488 |
| Profit Margins | 0.098950006 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.00999999 |
| Regular Market Change Percent | -0.261096 |
| Regular Market Day High | 3.85 |
| Regular Market Day Low | 3.7701 |
| Regular Market Day Range | 3.7701 - 3.85 |
| Regular Market Open | 3.83 |
| Regular Market Previous Close | 3.83 |
| Regular Market Price | 3.82 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 7,276 |
| Return On Assets | 0.00379 |
| Return On Equity | 0.047509998 |
| Revenue Growth | 0.03 |
| Revenue Per Share | 3.343 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 16,964,267 |
| Shares Percent Shares Out | 0.0052 |
| Shares Short | 87,522 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 91,674 |
| Short Name | AmeriServ Financial Inc. |
| Short Percent Of Float | 0.0056 |
| Short Ratio | 7.24 |
| Source Interval | 15 |
| State | PA |
| Symbol | ASRV |
| Total Cash | 64,079,000 |
| Total Cash Per Share | 3.777 |
| Total Debt | 74,384,000 |
| Total Revenue | 55,561,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.12 |
| Trailing Annual Dividend Yield | 0.03133159 |
| Trailing Eps | 0.33 |
| Trailing P E | 11.575757 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 3.46875 |
| Two Hundred Day Average Change | 0.35124993 |
| Two Hundred Day Average Change Percent | 0.10126124 |
| Type Disp | Equity |
| Volume | 7,276 |
| Website | https://www.ameriserv.com |
| Zip | 15,907-0430 |