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AmeriServ Financial Inc

AmeriServ Financial Inc

ASRV · NASDAQ · Financial Services / Banks - Regional

4.90USD+0.17 (+3.59%)

Price History

Full chart

Market Stats

Previous Close4.73
Open4.82
Day Range4.82 – 4.94
52-Week Range2.77 – 5.38
Volume5.23K
Market Cap79.46M
P/E (TTM)9.18
Forward P/E12.25
EPS0.51
Dividend Yield2.57%
Beta0.42
50-Day Avg4.70
200-Day Avg3.89

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jeffrey A. Stopko CPA
  • Employees297
  • HeadquartersMain and Franklin Street, Johnstown, PA, United States, 15907-0430, USA
  • Websitehttps://www.ameriserv.com

Leadership

  • Mr. Jeffrey A. Stopko CPAPresident, CEO & Director · b. 1963
  • Mr. David A. FinuiPresident of AmeriServ Wealth & Capital Management · b. 1954
  • Jessica L. JohnsonSenior VP & Chief Accounting Officer
  • Ms. Tammie SlavickSenior VP & CIO
  • Ms. Susan Tomera AngelettiSenior VP and Director of Corporate Marketing & Alternative Delivery Systems
  • Ms. Michele M. ScanlanSenior VP & Chief Human Resources Officer
  • Mr. Michael R. BaylorExecutive VP & Chief Lending Officer · b. 1963
  • Ms. Bettina D. FochlerSenior VP, Chief Credit Officer & CRO
  • Kathleen M. Wallace CPASenior VP & Retirement Services Manager
  • Mr. Matthew C. RigoSenior VP & Area Executive of Wilkins Twp.

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---74.60M75.80M72.40M91.10M96.00M111.00M146.20M156.00M175.00M182.70M189.57M123.91M99.73M85.70M71.93M64.12M56.07M59.41M64.09M64.24M61.38M58.80M55.53M54.86M55.09M54.76M57.15M56.51M59.00M61.32M64.54M63.16M64.43M65.75M77.25M84.48M88.34M
Growth (%)----+1.61%-4.49%+25.83%+5.38%+15.63%+31.71%+6.70%+12.18%+4.40%+3.76%-34.64%-19.51%-14.07%-16.06%-10.87%-12.54%+5.94%+7.88%+0.24%-4.45%-4.21%-5.55%-1.21%+0.41%-0.59%+4.35%-1.12%+4.41%+3.93%+5.25%-2.14%+2.02%+2.05%+17.49%+9.36%+4.57%
Cost of Revenue---40.00M39.70M34.40M40.60M38.70M44.20M73.90M76.30M88.10M94.40M101.40M71.94M54.81M47.91M33.32M28.40M21.58M21.96M25.46M21.63M30.17M17.74M6.11M6.94M5.38M6.77M7.77M11.69M9.60M11.00M15.13M12.89M8.69M8.54M32.27M31.34M33.21M
Gross Profit---34.60M36.10M38.00M50.50M57.30M66.80M72.30M79.70M86.90M88.30M88.17M51.97M44.92M37.79M38.61M35.72M34.50M37.44M38.63M42.62M31.21M41.06M49.43M47.92M49.70M47.99M49.38M44.82M49.41M50.32M49.41M50.27M55.74M57.20M44.98M53.14M55.13M
Gross Margin---46.38%47.63%52.49%55.43%59.69%60.18%49.45%51.09%49.66%48.33%46.51%41.94%45.04%44.09%53.68%55.71%61.52%63.03%60.28%66.34%50.85%69.83%89.00%87.35%90.23%87.63%86.40%79.32%83.74%82.06%76.56%79.59%86.52%87.00%58.23%62.90%62.41%
Operating Expense---27.80M27.20M28.80M36.20M40.80M49.60M50.50M52.50M54.10M59.50M60.87M51.73M42.54M46.37M38.28M50.09M49.42M34.69M34.67M35.64M39.16M39.70M40.04M40.64M42.22M43.37M41.04M41.62M40.73M40.87M41.81M44.45M46.97M48.00M49.37M48.74M48.34M
Operating Income7.40M-25.60M4.20M6.80M8.90M9.20M14.30M16.50M17.20M21.80M27.20M32.80M28.80M27.30M238.00K2.39M-8.58M336.00K-14.37M-14.92M2.75M3.96M6.98M-7.95M1.36M9.39M7.28M7.48M4.62M8.34M3.21M8.68M9.45M7.60M5.81M8.77M9.20M-4.39M4.40M6.80M
Operating Margin---9.12%11.74%12.71%15.70%17.19%15.50%14.91%17.44%18.74%15.76%14.40%0.19%2.39%-10.01%0.47%-22.41%-26.61%4.63%6.18%10.86%-12.94%2.32%16.91%13.27%13.58%8.44%14.59%5.68%14.71%15.40%11.78%9.20%13.62%13.99%-5.68%5.21%7.69%
EBITDA3.70M-12.80M2.10M8.80M10.90M11.30M17.50M20.40M22.10M26.80M33.60M39.60M37.50M35.90M7.62M10.67M-1.36M7.75M-9.40M-11.10M5.52M6.20M8.91M-6.25M2.86M10.87M8.80M9.16M6.46M10.13M5.01M10.35M10.97M9.47M7.81M10.81M11.30M-2.31M6.48M8.89M
EBITDA Margin---11.80%14.38%15.61%19.21%21.25%19.91%18.33%21.54%22.63%20.53%18.94%6.15%10.70%-1.59%10.78%-14.66%-19.80%9.29%9.67%13.87%-10.18%4.86%19.57%16.05%16.64%11.79%17.73%8.87%17.53%17.90%14.68%12.36%16.78%17.18%-3.00%7.67%10.07%
Net Income3.70M-12.80M2.10M6.50M7.70M7.30M8.90M12.50M11.30M15.80M20.00M23.50M21.10M20.40M1.72M1.98M-5.15M549.00K-9.72M-9.14M2.33M3.03M5.51M-4.89M1.28M6.54M5.04M5.19M3.02M6.00M2.31M3.29M7.77M6.03M4.60M7.07M7.45M-3.35M3.60M5.61M
Net Income Margin---8.71%10.16%10.08%9.77%13.02%10.18%10.81%12.82%13.43%11.55%10.76%1.38%1.98%-6.01%0.76%-15.16%-16.30%3.93%4.73%8.58%-7.97%2.18%11.77%9.19%9.43%5.52%10.49%4.09%5.58%12.67%9.34%7.28%10.98%11.33%-4.33%4.26%6.35%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense3.70M12.80M2.10M39.10M38.80M33.50M38.40M36.30M47.00M73.60M76.20M87.90M93.80M99.50M69.84M53.46M38.65M30.36M26.64M21.75M22.09M25.16M18.70M15.02M12.49M9.68M7.71M6.48M6.40M6.52M7.74M8.79M11.60M14.32M10.52M7.59M8.49M24.84M30.46M29.09M
Interest Expense % of Total Revenue---52.41%51.19%46.27%42.15%37.81%42.34%50.34%48.85%50.23%51.34%52.49%56.36%53.60%45.09%42.21%41.55%38.79%37.18%39.25%29.11%24.47%21.24%17.43%14.06%11.77%11.68%11.41%13.69%14.91%18.92%22.20%16.65%11.77%12.92%32.16%36.05%32.93%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets---751.20M774.40M784.00M1.14B1.24B1.79B1.89B2.09B2.24B2.38B2.47B1.25B1.20B1.18B1.15B1.01B880.18M895.99M904.88M966.93M970.03M948.97M979.08M1.00B1.06B1.09B1.15B1.15B1.17B1.16B1.17B1.28B1.34B1.36B1.39B1.42B1.45B
Total Liabilities---692.40M709.30M714.00M1.06B1.12B1.65B1.73B1.94B2.08B2.24B2.35B1.18B1.12B1.10B1.07B924.76M795.70M811.31M814.58M853.68M862.77M841.92M866.72M890.52M942.73M974.86M1.03B1.06B1.07B1.06B1.07B1.18B1.22B1.26B1.29B1.32B1.33B
Total Equity---58.80M65.10M70.00M83.00M116.60M137.10M150.50M151.90M158.20M141.70M112.60M78.41M79.49M77.76M74.27M85.22M84.47M84.68M90.29M113.25M107.25M107.06M112.35M110.47M113.31M114.41M118.97M95.39M95.10M97.98M98.61M104.40M116.55M106.18M102.28M107.25M119.31M
Cash---84.20M71.90M43.20M82.40M50.40M53.90M60.20M44.40M38.20M38.90M55.50M35.87M29.12M27.17M24.77M20.57M20.96M23.90M24.91M19.55M22.54M15.88M34.78M26.82M30.00M32.87M48.51M34.07M34.19M34.89M22.17M31.50M41.10M22.96M14.03M17.75M50.89M
Total Debt---23.70M26.60M27.60M48.40M60.30M432.80M534.10M770.20M913.10M1.03B159.20M500.58M424.67M375.63M410.21M269.17M77.26M63.12M95.20M146.86M64.66M27.39M34.85M41.74M79.64M93.97M117.06M78.64M115.70M108.18M100.57M110.16M72.84M138.37M115.56M101.69M75.31M
Net Debt----60.50M-45.30M-15.60M-34.00M9.90M378.90M473.90M725.80M874.90M987.60M103.70M464.71M395.54M348.46M385.43M248.60M56.30M39.22M70.29M127.32M42.12M11.51M67.00K14.93M49.57M61.09M68.97M44.57M81.51M73.28M78.41M58.19M31.74M115.41M101.53M83.94M24.42M

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow9.20M10.80M10.80M13.30M20.10M11.40M22.00M29.50M26.40M-12.20M50.80M23.14M14.08M10.78M10.48M-2.00M-7.42M5.08M10.33M7.91M-1.61M2.72M10.79M3.21M14.85M4.96M9.83M6.59M7.52M7.98M4.89M-1.37M9.94M5.21M6.29M2.69M3.19M
Investing Cash Flow-17.10M-38.60M-41.70M46.70M-136.20M-550.30M-80.80M-229.80M-157.70M-102.40M-140.10M187.49M38.21M10.27M7.28M125.33M133.47M-10.05M-9.20M-54.92M-13.66M12.35M-14.07M-32.15M-66.30M-30.89M-49.85M-25.18M-20.23M2.69M-13.02M-95.32M-488.00K-56.28M-39.99M-23.10M11.07M
Financing Cash Flow-22.30M15.50M2.30M-20.70M84.10M542.40M65.20M184.50M125.20M115.30M105.80M-230.19M-59.04M-23.00M-20.16M-126.77M-126.15M7.63M-123.00K52.87M6.46M-22.05M18.73M20.98M54.69M28.74M55.66M4.15M12.82M-9.97M-4.59M106.03M146.00K32.93M24.77M24.13M18.89M
Capital Expenditure800.00K1.10M1.30M1.20M2.40M2.10M2.40M2.20M1.90M2.90M3.90M3.61M2.43M1.17M919.00K766.00K1.03M1.55M1.15M2.60M1.29M2.76M1.67M2.65M3.00M1.72M881.00K1.38M2.71M2.14M2.82M1.32M1.24M2.08M1.38M1.71M1.12M
Free Cash Flow8.40M9.70M9.50M12.10M17.70M9.30M19.60M27.30M24.50M-15.10M46.90M19.53M11.65M9.61M9.56M-2.77M-8.45M3.53M9.19M5.30M-2.90M-32.00K9.13M565.00K11.85M3.24M8.95M5.21M4.82M5.84M2.07M-2.70M8.70M3.13M4.91M976.00K2.06M
Dividends Paid1.20M1.30M2.50M3.10M3.60M4.70M7.20M4.50M9.30M10.60M11.60M5.62M7.80M7.05M---173.00K131.00K543.00K951.00K1.05M1.05M828.00K775.00K962.00K964.00K960.00K1.11M1.35M1.64M1.72M1.71M1.97M2.06M2.02M1.98M
FCF to OCF91.30%89.81%87.96%90.98%88.06%81.58%89.09%92.54%92.80%123.77%92.32%84.40%82.76%89.12%91.23%138.20%113.86%69.54%88.92%67.07%180.52%-1.18%84.57%17.59%79.78%65.34%91.04%79.07%64.03%73.15%42.31%196.50%87.51%60.07%78.04%36.32%64.73%
Dividend Paid to FCF14.29%13.40%26.32%25.62%20.34%50.54%36.73%16.48%37.96%-70.20%24.73%28.76%66.94%73.33%---4.90%1.43%10.24%-32.78%-3281.25%11.55%146.55%6.54%29.67%10.77%18.41%23.11%23.07%79.36%-63.60%19.64%62.86%41.94%206.97%96.07%

Earnings

Report DateApr 20, 1993Jul 20, 1993Oct 22, 1993Jan 31, 1994Apr 26, 1994Jul 21, 1994Oct 25, 1994Jan 30, 1995Apr 25, 1995Jul 25, 1995Oct 24, 1995Jan 29, 1996Apr 23, 1996Jul 23, 1996Oct 22, 1996Jan 28, 1997Apr 22, 1997Aug 4, 1997Oct 20, 1997Jan 26, 1998Jun 25, 1998Jul 20, 1998Oct 19, 1998Jan 25, 1999Apr 19, 1999Jul 19, 1999Oct 18, 1999Jan 24, 2000Apr 18, 2000Jul 18, 2000Oct 17, 2000Jan 24, 2001Apr 17, 2001Jul 17, 2001Oct 16, 2001Jan 23, 2002Apr 16, 2002Jul 23, 2002Oct 22, 2002Jan 31, 2003Apr 22, 2003Jul 21, 2003Oct 20, 2003Jan 27, 2004Apr 19, 2004Jul 20, 2004Oct 18, 2004Jan 24, 2005Apr 19, 2005Jul 19, 2005Oct 18, 2005Jan 24, 2006Apr 18, 2006Jul 18, 2006Oct 17, 2006Jan 23, 2007Apr 20, 2007Jul 17, 2007Oct 16, 2007Jan 22, 2008Apr 15, 2008Jul 15, 2008Oct 13, 2008Jan 20, 2009Apr 14, 2009Jul 14, 2009Oct 20, 2009Jan 26, 2010Apr 20, 2010Jul 20, 2010Oct 19, 2010Jan 25, 2011Apr 19, 2011Jul 19, 2011Oct 18, 2011Jan 24, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Oct 21, 2013Jan 20, 2014Jun 30, 2014Sep 30, 2014Oct 14, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Oct 13, 2015Jan 19, 2016Apr 12, 2016Jul 12, 2016Oct 18, 2016Jan 24, 2017Apr 18, 2017Jul 18, 2017Oct 17, 2017Jan 23, 2018Apr 17, 2018Jul 17, 2018Oct 16, 2018Jan 22, 2019Apr 16, 2019Jul 16, 2019Oct 15, 2019Jan 21, 2020Apr 21, 2020Jul 21, 2020Oct 20, 2020Jan 26, 2021Apr 20, 2021Jul 20, 2021Oct 19, 2021Jan 25, 2022Apr 19, 2022Jul 19, 2022Oct 18, 2022Jan 24, 2023Apr 18, 2023Jul 18, 2023Oct 17, 2023Jan 23, 2024Apr 16, 2024Jul 16, 2024Oct 22, 2024Jan 28, 2025May 13, 2025Jul 14, 2025Oct 21, 2025Jan 20, 2026Mar 31, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate0.180.190.200.200.200.190.210.230.230.230.220.250.260.290.320.350.360.370.380.390.380.400.390.360.360.380.390.390.330.110.110.050.060.080.070.030.060.080.040.020.020.030.04-0.050.050.060.07-----------------0.02-0.04-0.19-0.15-0.050.010.030.030.020.040.04----------------------------------------------------0.00------
EPS Actual0.230.190.200.210.210.200.220.220.230.230.240.260.310.340.360.350.370.380.390.400.390.140.380.320.370.410.380.360.240.110.10-0.150.070.050.020.030.050.03-0.31-0.14-0.060.070.020.010.020.020.05-0.640.040.02-0.530.010.020.030.030.030.020.040.040.040.060.070.050.070.01-0.06-0.15-0.09-0.060.010.020.040.050.080.050.070.060.050.030.050.050.060.090.050.050.020.040.070.070.090.07-0.070.070.060.060.070.070.070.080.090.100.100.130.110.110.100.100.040.080.080.060.040.120.100.080.110.140.120.120.060.09-0.010.04-0.310.11-0.020.070.050.12-0.020.150.090.110.16-
Surprise27.78%0.00%0.00%5.00%5.00%5.26%4.76%-4.35%0.00%0.00%9.09%4.00%19.23%17.24%12.50%0.00%2.78%2.70%2.63%2.56%2.63%-65.00%-2.56%-11.11%2.78%7.89%-2.56%-7.69%-27.27%0.00%-9.09%-400.00%16.67%-37.50%-71.43%0.00%-16.67%-62.50%-875.00%-800.00%-400.00%133.33%-50.00%--60.00%-60.00%-16.67%-1014.29%------------------400.00%-275.00%52.63%60.00%120.00%100.00%33.33%66.67%300.00%25.00%75.00%-----------------------------------------------------------
Timing-----------------------------------------After-hoursAfter-hours-After-hoursPre-marketAfter-hoursAfter-hours-----------------------Pre-marketPre-marketPre-marketPre-marketPre-market------------------Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hours---------------Pre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market---Pre-marketPre-market---Pre-market

Key Statistics & Ratios

Market Cap79.46M
Enterprise Value109.59M
Trailing P/E9.18
Forward P/E12.25
PEG Ratio0.95
Price / Sales1.32
Price / Book0.64
EPS0.51
Book Value7.26
Revenue (TTM)60.40M
Gross Profit (TTM)60.40M
Profit Margin14.10%
Operating Margin22.20%
Return on Equity7.28%
Return on Assets0.59%
Shares Outstanding16.98M
Shares Float12.83M
Beta0.42
Dividend Yield2.57%
Dividend Rate0.12
Payout Ratio23.53%

Ownership Breakdown

Institutions
39.62%
Insiders
26.67%
Retail / Other
33.71%

Top Institutional Holders

  • Gendell Jeffrey L
    1.64M9.63%
  • Dimensional Fund Advisors, Inc.
    1.16M6.80%
  • West Chester Capital Advisors Inc
    889.46K5.24%
  • Vanguard Capital Management, LLC
    658.39K3.88%
  • Renaissance Technologies Corp
    564.47K3.32%
  • Oppenheimer & Close Inc
    364.42K2.15%
  • EWA, LLC
    247.49K1.46%
  • Bridgeway Capital Management, LLC
    206.63K1.22%
  • Geode Capital Management, LLC
    144.39K0.85%
  • BlackRock Inc
    140.25K0.83%
  • Empowered Funds, LLC
    103.26K0.61%
  • Lesa Sroufe & Company Inc
    100.00K0.59%
  • Argyle Capital Management Inc.
    94.86K0.56%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    448.33K2.64%
  • DFA US Small Cap Value I
    324.79K1.91%
  • DFA US Small Cap I
    196.62K1.16%
  • DFA US Targeted Value I
    127.99K0.75%
  • DFA US Micro Cap I
    111.29K0.66%
  • EA Bridgeway Omni Small-Cap Value ETF
    103.26K0.61%
  • Dimensional US Targeted Value ETF
    93.75K0.55%

Dividends

20264×
0.03Nov 2, 20260.03Aug 3, 20260.03May 4, 20260.03Feb 2, 2026
20254×
0.03Nov 3, 20250.03Aug 4, 20250.03May 5, 20250.03Feb 3, 2025
20244×
0.03Nov 4, 20240.03Aug 5, 20240.03May 3, 20240.03Feb 2, 2024
20234×
0.03Nov 3, 20230.03Aug 4, 20230.03May 5, 20230.03Feb 3, 2023
20224×
0.03Nov 4, 20220.03Aug 5, 20220.03May 6, 20220.03Feb 4, 2022
20214×
0.03Nov 5, 20210.03Jul 30, 20210.03Apr 30, 20210.03Feb 5, 2021

Stock Splits

  • Aug 3, 1998959692:319897