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AmeriServ Financial, Inc (ASRV) Fair Value & Analysis

Financial Services · US · Market cap $65.1M

Price$3.82
Fair Value$4.30
Upside+12.6%
Quality95/100
Evidence: High Range $3.23 – $5.38

Fair value as of: Jun 26, 2026

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Analysis

AmeriServ Financial, Inc (ASRV) currently trades at $3.82, while our model-based Fair Value estimate is $4.30 — implying the stock looks roughly 12.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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…

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Frequently asked questions

Is AmeriServ Financial, Inc (ASRV) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $4.30 versus a price of $3.82 — about +13% (undervalued). Model-based estimate, not financial advice.
What is the fair value of ASRV?
Our 21-model fair value for AmeriServ Financial, Inc is $4.30 (as of Jun 26, 2026), built from audited fundamentals. The current price is $3.82.
What is the quality score of ASRV?
AmeriServ Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.