Stocktoria
AMERISERV FINANCIAL INC /PA/ ASRV
AMERISERV FINANCIAL INC /PA/ (ASRV) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.00% (safety: safe). FY2025 revenue was $14.6M at a 38.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
| MRBK | Meridian Corp | 5/9 | — | 10.9 | — |
All Finance, Insurance & Real Estate companies →
About AMERISERV FINANCIAL INC /PA/
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.
FAQ
Is ASRV financially healthy?
AMERISERV FINANCIAL INC /PA/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does ASRV pay a dividend, and is it safe?
Yes. AMERISERV FINANCIAL INC /PA/ pays a dividend yielding about 3.00% with a 35.3% payout ratio, rated “safe” for safety.
How profitable is ASRV?
In FY2025, AMERISERV FINANCIAL INC /PA/ had a net margin of 38.3% and a return on equity of 4.7%.
Is ASRV overvalued or undervalued?
AMERISERV FINANCIAL INC /PA/ trades at about 14.6× trailing earnings — above its 10-year norm (10-year range 9.4×–32.9×, median 11.7×). Stocktoria reports the data, not buy/sell advice.
Is ASRV a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on AMERISERV FINANCIAL INC /PA/: a Piotroski F-score of 4/9, a P/E of about 11.8×, a dividend yield of 3.00%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.