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AMERISERV FINANCIAL INC /PA/ ASRV

Nasdaq · stock · National Commercial Banks · website · IPO 1985-01-30

AMERISERV FINANCIAL INC /PA/ statistics & valuation

Market cap$66.2M
P / E11.8×
P / S4.5×
P / B0.6×
Dividend yield3.00%
Net margin38.3%
Return on equity4.7%
Graham number +49.5%$7.43

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($7.43); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
60.70% 47.20% 35.90% 47.20% 50.50% -23.10% 23.10% 38.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
2.40% 3.50% 7.90% 6.10% 4.40% 6.10% 7.00% -3.30% 3.40% 4.70% 2016201720182019202020212022202320242025
Shares outstanding
19.0M 18.6M 18.0M 17.4M 17.1M 17.1M 17.1M 17.1M 16.8M 16.5M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.20% 0.30% 0.70% 0.50% 0.40% 0.50% 0.50% -0.20% 0.30% 0.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.12 $0.18 $0.43 $0.35 $0.27 $0.41 $0.43 -$0.20 $0.21 $0.34 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

AMERISERV FINANCIAL INC /PA/ trades at about 14.6× earnings — above its 10-year norm (10-year range 9.4×–32.9×, median 11.7×).

9.4× 32.9×

Shaded band = 10-year range (9.4×–32.9×); dot = today's 14.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin38.3%23.1%-23.1%50.5%47.2%35.9%47.2%60.7%——
Return on assets0.4%0.3%-0.2%0.5%0.5%0.4%0.5%0.7%0.3%0.2%
Return on equity4.7%3.4%-3.3%7.0%6.1%4.4%6.1%7.9%3.5%2.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.