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AmeriServ Financial Inc (ASRV) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of AmeriServ Financial Inc stock $4.27, price $4.81, that is 11.2% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

AF AmeriServ Financial Inc logo Broad data Nov 8, 2026

AmeriServ Financial Inc

ASRV · US
Expensive, weak quality

Our calculation puts a fair price 11% below what the stock costs today.

Solidly profitable · 14.8% net margin (TTM)
2.5% dividend yield · Low payout
Positive coverage
Broad data
Costs just 8.9 times its yearly profit.
Quality 44/100
Mixed Growth (revenue 5y +6.9 %/yr in USD)
Insiders sold $48,889 (6M)
Fair value $4.27 · Overvalued
Trails peers (5/15)
Narrow moat 44/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$5.24 $1.97 Fair Value $4.27 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $1.97 – $5.24 · fair‑value band $3.20 – $5.33 · the $4.81 price screens above the $4.27 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.

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Company 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.

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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.

Stock analysis

AmeriServ Financial Inc (ASRV) currently trades at $4.81, while our model-based Fair Value estimate is $4.27, 11% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $5.05 per share, and 1 of the 6 models we run sit above the $4.81 price.

Bear case: the Dividend Discount group reads lowest at $1.07, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $3.20 (bear) to $5.33 (bull), the price of $4.81 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

AmeriServ Financial Inc reported revenue of $88.3M in FY2025 versus $64.4M in FY2021, a compound +8.2%/yr. Reported net income was $5.6M in FY2025, compounding −5.6%/yr from FY2021.

Key figures

Market cap $81.6M Micro · P/E ratio 8.9 · P/S ratio 1.33 · EPS (TTM) $0.5400 · Dividend yield 2.5% · Net margin 14.8% · Return on equity 7.7% · Return on assets (EBIT) 0.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −11%, ASRV screens cheaper than that median.

Fair Value models

Bear $3.20 Fair Value $4.27 Bull $5.33
Price $4.81 · Downside -11.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.3602 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $5.07 $5.05 $5.20 76
Gordon GGM $0.8900 $1.03 $1.18 69
DDM Multi-Stage $0.8900 $1.11 $1.36 67
All 6 models by family
Dividend Discount
Gordon GGM $0.8900 $1.03 $1.18 69
DDM Multi-Stage $0.8900 $1.11 $1.36 67
Multiples
P/E Multiple $3.22 $4.30 $5.37 63
P/B Multiple $3.17 $4.23 $5.29 55
Asset-Based
NCAV (Graham) $3.11 $4.17 $6.22 54
Economic Profit
Residual Income $5.07 $5.05 $5.20 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 44/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 18
How much profit the company makes from its sales and capital
Quality Growth 51
Are margins and returns getting better?
Cashflow 26
Do the profits arrive as real cash?
Financial strength 12
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 72
How calm the share price moves, does not count
Price momentum 70
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 90
Distance to the 52-week high, does not count
New shares 70
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director sold shares worth $48,889 and none bought.

  • SaleDavid A FinuiEVP - ASRV Wealth & Cap. Mgmt.10,000 shares at $4.89$48,889Sep 4, 2026
  • Plan buyJeffrey A StopkoPresident & CEO ASRV & Bank2× since May 5, 2026: 5,000 shares, avg. $4.29$21,430Sep 11, 2026

Plus 18 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 64/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+4.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
Start year 2020 (pandemic). Over 10 years: +4.5% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+1.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.5%
Dividend (yield on the price)2.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.4% vs 7.8%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.9% → 8%
Pace: the 5-year rate starts in 2020 (pandemic)

ASRV screens overvalued: fair value 11% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (23 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −11.2% · Above median
Profitability
Return on equity (12 months) 7.7% · Below median
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 14.8% · Bottom 25%
Operating margin (12 months) 25.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 6.1% · Below median
Dividend yield (12 months) 2.5% · Below median
Balance sheet
Debt / equity 0.60× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.9× · Cheaper than median
P/B 0.68× · Cheapest 25%
P/S (12 months) 1.33× · Cheapest 25%
Price / free cash flow (fiscal year) 39.6× · Priciest 25%
EV/EBITDA 11.5× · Pricier than median
PEG 0.95× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)18 · sector 8
FUTURE (revenue growth)31 · sector 47
PAST (return on equity)31 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)50 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs ASRV
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs ASRV
BNP Paribas SA BNP €91.93 €106.01 +15% vs ASRV
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs ASRV
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs ASRV
UniCredit S.p.A UCG €76.80 €50.44 −34% vs ASRV
Mizuho Financial Group MFG $9.40 $5.89 −37% vs ASRV
DBS Group D05 69.72 SGD 40.39 SGD −42% vs ASRV
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs ASRV
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs ASRV

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Cite: Fair Value Calculator (2026). "AmeriServ Financial Inc Fair Value". https://www.fairvalue-calculator.com/stock/ASRV

Frequently asked questions

Is AmeriServ Financial Inc (ASRV) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $4.27 versus a price of $4.81, about 11% lower (overvalued).
What is the fair value of ASRV?
Our model-based fair value for AmeriServ Financial Inc is $4.27 (as of Nov 8, 2026), built from audited fundamentals. The current price: $4.81.
What is the quality score of ASRV?
AmeriServ Financial Inc has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AmeriServ Financial Inc (ASRV)?
Our model-based price target is the fair value of $4.27 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $3.20, optimistic scenario $5.33. It is a calculation from audited fundamentals, not an analyst target.
What is the AmeriServ Financial Inc stock forecast for 2026?
Our models put fair value at $4.27, about 11% lower versus a price of $4.81 (overvalued). Cautious scenario $3.20, optimistic scenario $5.33. The calculation is refreshed regularly with new filings.
What is the revenue of AmeriServ Financial Inc (ASRV)?
AmeriServ Financial Inc reported trailing-twelve-month revenue of about $61.3M (latest available figure, as of Nov 8, 2026).
Does AmeriServ Financial Inc pay a dividend?
AmeriServ Financial Inc currently shows a dividend yield of 2.49% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of AmeriServ Financial Inc (ASRV) and when is the ex-dividend date?
AmeriServ Financial Inc pays a dividend of $0.12 per share a year, a dividend yield of 2.5%. The last ex-dividend date was Nov 2, 2026. A dividend has been paid every year since 2013. The payout ratio is 22.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of AmeriServ Financial Inc (ASRV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AmeriServ Financial Inc it is $4.27 per share (as of Nov 8, 2026), against a price of $4.81. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is AmeriServ Financial Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, ASRV trades above its calculated fair value: price $4.81, fair value $4.27, a gap of about −11% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ASRV?
No. The price is what the market pays today ($4.81); the fair value is what the company's own numbers justify ($4.27). For AmeriServ Financial Inc the two are $0.5400 per share apart. That gap is exactly why we show both numbers side by side.
How much is AmeriServ Financial Inc worth?
The market values AmeriServ Financial Inc at about $81.6M (market capitalisation, as of Nov 8, 2026). Per share that is $4.81; our models calculate a fair value of $4.27 per share.
What do the bullish and bearish scenarios say about ASRV?
Our models span a range for AmeriServ Financial Inc: cautious scenario $3.20, base $4.27, optimistic $5.33 per share (as of Nov 8, 2026, price $4.81). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ASRV?
AmeriServ Financial Inc trades at a price-to-earnings ratio of 8.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.27 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings, FY2019, FY2021 ex one-offs: 11.5. Other multiples: PEG 0.9, P/B 0.7, P/S 1.3, EV/EBITDA 11.5.
What is the PEG ratio of ASRV?
The PEG ratio of AmeriServ Financial Inc is 0.95 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of AmeriServ Financial Inc (ASRV)?
Balance-sheet figures for AmeriServ Financial Inc (as of Nov 8, 2026): return on equity 7.7%, debt of 0.60 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is ASRV from its 52-week high?
AmeriServ Financial Inc trades at $4.81, about 8% below its 52-week high of $5.24 and 64% above the low of $2.93 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $4.27 is for.
Which stocks are comparable to AmeriServ Financial Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AmeriServ Financial Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $4.81, calculated fair value $4.27 (−11%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ASRV calculated?
We run AmeriServ Financial Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $4.27 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. AmeriServ Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AmeriServ Financial Inc (ASRV)?
The closing price on Nov 6, 2026 was $4.81. Our model-based fair value is $4.27, about 11% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AmeriServ Financial Inc right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of AmeriServ Financial Inc (ASRV) come from?
Earnings per share at AmeriServ Financial Inc grew +3.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.1 %, EBIT margin −4.1 %, tax rate +1.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of AmeriServ Financial Inc

How large is the market capitalisation of AmeriServ Financial Inc (ASRV)?
The market capitalisation of AmeriServ Financial Inc is $81.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AmeriServ Financial Inc (ASRV)?
The price-to-sales ratio of AmeriServ Financial Inc is 1.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AmeriServ Financial Inc (ASRV)?
Earnings per share at AmeriServ Financial Inc are $0.5400 (price ÷ EPS = P/E 8.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of AmeriServ Financial Inc (ASRV)?
The dividend yield of AmeriServ Financial Inc is 2.5% (payout 22.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of AmeriServ Financial Inc (ASRV)?
The net margin of AmeriServ Financial Inc is 14.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of AmeriServ Financial Inc (ASRV)?
The return on equity (ROE) of AmeriServ Financial Inc is 7.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AmeriServ Financial Inc (ASRV)?
On an EBIT basis the return on assets of AmeriServ Financial Inc is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AmeriServ Financial Inc (ASRV)?
The operating margin of AmeriServ Financial Inc is 25.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AmeriServ Financial Inc (ASRV)?
Revenue at AmeriServ Financial Inc is growing +6.1% versus a year earlier (3y avg +10.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at AmeriServ Financial Inc (ASRV)?
Earnings per share at AmeriServ Financial Inc are growing +20.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does AmeriServ Financial Inc (ASRV) generate?
The free cash flow of AmeriServ Financial Inc is $2.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does AmeriServ Financial Inc (ASRV) carry?
The net debt of AmeriServ Financial Inc is $24.4M (fiscal year 2025, ≈ 11.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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