profit from every $100 of sales.
$0$100
AmeriServ Financial
$4.73-1.66% today
+55.6% in 1 year
1-year low $3.001-year high $5.24
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $14.31 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What AmeriServ Financial sold, what it kept, and what it did with the cash.
Sales went from $57.3 million in 2022 to $59.3 million in 2025, with $5.61 million of profit last year.
SalesProfit
AmeriServ Financial handed back 96% of the cash it generated last year.
$2M
Free cash flow 2025$2M
Bought back its own shares$0
Paid as dividends$2M
Cash vs. debt$51M vs. $75M
AmeriServ Financial vs. similar companies
AmeriServ Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| AmeriServ Financial | 14.3× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads AmeriServ Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 57 | 52 | 54 | 59 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 7 | -3 | 4 | 6 | |
| 0.43 | -0.20 | 0.21 | 0.34 | |
| – | – | – | – | |
| – | – | – | – | |
| 13.0% | -6.4% | 6.7% | 9.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,364 | 1,390 | 1,422 | 1,454 |
| Cash | 23 | 14 | 18 | 51 |
| Total debt | 138 | 116 | 102 | 75 |
| Total liabilities | 1,258 | 1,287 | 1,315 | 1,335 |
| 106 | 102 | 107 | 119 | |
| 17 | 17 | 17 | 17 | |
| – | – | – | – | |
| 7.0% | -3.3% | 3.4% | 4.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 5 | 6 | 3 | 3 | |
| 2 | 1 | 2 | 1 | |
| 3 | 5 | 1 | 2 | |
| Dividends paid | 2 | 2 | 2 | 2 |
| 0 | 0 | 2 | 0 | |
| 0 | 0 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.3×
- –
- –
- 0.5×
- 1.4×
- 7.0%
- 3.1%
Profitability
- 9.5%
- 11.0%
- 2.0%
- 4.7%
- 0.4%
Growth
- +1.1%
- −7.5%
- +3.7%
- −0.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 20%of 843
Bottom 23%of 730
Bottom 47%of 866
Bottom 24%of 862
Bottom 33%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 0.11 | – | – |
| Jan 26, 2026 | 0.09 | – | – |
| Jan 20, 2026 | 0.09 | – | – |
| Jul 22, 2025 | -0.02 | – | – |
| Apr 22, 2025 | 0.12 | – | – |
| Jan 21, 2025 | 0.05 | – | – |
| Oct 22, 2024 | 0.07 | – | – |
| Jul 16, 2024 | -0.02 | – | – |
3.1%of the share price, paid each year
On $1,000 invested$31a year at today's yield, before tax
+3.7%2020 to 2025
Raised–not every year
Paid per share, each year
$0.04 in 2015 → $0.12 in 2025
How safe it looks
35.3% of its profit
Room to growStretchedMore than it earns: 96.1%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
37No pass
Benjamin Graham
77Pass
Philip Fisher
42No pass
Peter Lynch
25No pass
Joel Greenblatt
24No pass
Charlie Munger
45No pass
Terry Smith
31No pass
Questions about AmeriServ Financial
Is AmeriServ Financial a good stock to buy?
A solid business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the AmeriServ Financial AI analysis
What does AmeriServ Financial do?
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It is in Banks - Regional.
Does AmeriServ Financial pay a dividend?
Yes. At today's price the dividend is 3.1% a year, about 35% of its yearly profit. In 2025 it paid out $1.98 million in dividends.
Is AmeriServ Financial stock halal?
No. AmeriServ Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has AmeriServ Financial stock done over the past year?
Up 55.6% over the past twelve months, to $4.73. It traded between $3.00 and $5.24 and is 9.7% below its high.
Who are AmeriServ Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with AmeriServ Financial's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.