Ameriserv Financial Inc
Research Ameriserv Financial Inc (ASRV) on Bullrun: valuation model: 12.4% undervalued, market cap USD 83.97M, P/E 9.7, dividend yield 2.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerASRV
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.4% undervalued
- Market capUSD 83.97M
- P/E9.7
- Dividend yield2.5%
- Financial periodQ1 2026
- RevenueUSD 14.80M
- Net incomeUSD 1.79M
- Free cash flowUSD 1.42M
Valuation Snapshot
Bullrun's latest valuation model marks Ameriserv Financial Inc as 12.4% undervalued; latest market cap is USD 83.97M; P/E is 9.7; dividend yield is 2.5%.
Peer valuation comparison
Latest P/E is 9.73x versus a Financial Services sector median of 13.84x (29.6% below).
Latest dividend yield is 2.47% versus a Financial Services sector median of 3.86% (35.9% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 14.63M | USD 5.61M | USD 2.06M | n/a | 0.34 | USD 50.89M | USD 75.31M | USD 119.31M |
| FY2024 | USD 15.62M | USD 3.60M | USD 976.00K | n/a | 0.21 | USD 17.75M | USD 14.64M | USD 107.25M |
| FY2023 | USD 14.49M | -USD 3.35M | n/a | n/a | -0.2 | USD 14.03M | USD 40.95M | USD 102.28M |
| FY2022 | USD 14.74M | USD 7.45M | n/a | n/a | 0.43 | USD 22.96M | USD 88.64M | USD 106.18M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 83.97M | 9.7 | 2.4% | 0.12 |
| 2025 | 2025-12-31 | USD 52.71M | 9.4 | 3.8% | 0.12 |
| 2024 | 2024-12-31 | USD 44.27M | 12.8 | 4.5% | 0.12 |
| 2023 | 2023-12-29 | USD 55.56M | 19.1 | 3.7% | 0.12 |
| 2022 | 2022-12-30 | USD 67.43M | 8.0 | 3.0% | 0.12 |
| 2021 | 2021-12-31 | USD 65.93M | 9.4 | 3.1% | 0.12 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.12 USD, yield 2.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.12 USD |
| FY2024 | 0.12 USD |
| FY2023 | 0.12 USD |
| FY2022 | 0.12 USD |
About Ameriserv Financial Inc
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.
Related stock research
Other Financial Services stocks
Frequently asked questions
Is Ameriserv Financial Inc overvalued or undervalued?
Bullrun's valuation model currently marks Ameriserv Financial Inc as 12.4% undervalued.
What is Ameriserv Financial Inc's market cap?
Ameriserv Financial Inc's market capitalization is USD 83.97M.
What is Ameriserv Financial Inc's P/E ratio?
Ameriserv Financial Inc's price-to-earnings (P/E) ratio is 9.7.
Does Ameriserv Financial Inc pay a dividend?
Ameriserv Financial Inc has a dividend yield of 2.5%.
What does Ameriserv Financial Inc do?
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.