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Ameriserv Financial

NMQ:ASRV · US03074A1025
BanksX-Small

360

72
Medium confidence — indicative
Profit price68
Cash yield1
Price/Sales100
EV / Gross Profit56
Price/Book100
Returns on capital—
Profit margins—

Cash truth not applicable for financial companies.

Sales growth15
Profit growth17
Reinvestment47
Price momentum39
Debt load2
Debt serviceability93
Liquidity11
Analyst ratings—
Expectations trend—
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Ameriserv Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Websiteameriserv.com
ISINUS03074A1025
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides a full range of consumer, mortgage, and commercial financial products. Through its banking subsidiary, the company operates various banking loc…

Analysis

Bargain bin

AmeriServ Financial, Inc. falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

Valuation data is not available for this company.

The trajectory is moderate and the balance sheet is uncertain. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
8
20232026

All-time high

69

Jan 2023

All-time low

8

Jun 2026

Average rank

42

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
—
—
100
Price/Earnings
81
—
—
76
Price/Book
100
—
—
100
Dividend Yield
1
—
—
45
Value (overall)
83
—
—
95

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →