NasdaqGM:ASRV

Stock Analysis Report

Executive Summary

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products.

Rewards

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Risk Analysis

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Snowflake Analysis

Flawless balance sheet with solid track record.


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Share Price & News

How has AmeriServ Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events

Information is not available.


Market Performance


7 Day Return

0.4%

ASRV

3.4%

US Banks

1.3%

US Market


1 Year Return

1.7%

ASRV

26.8%

US Banks

19.4%

US Market

Information is not available.

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Shareholder returns

ASRVIndustryMarket
7 Day0.4%3.4%1.3%
30 Day0.7%3.8%2.6%
90 Day0.5%10.7%5.0%
1 Year4.1%1.7%30.6%26.8%22.0%19.4%
3 Year18.3%11.9%33.9%24.5%46.8%37.3%
5 Year45.3%33.7%76.7%57.0%66.3%48.0%

Price Volatility Vs. Market

How volatile is AmeriServ Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is AmeriServ Financial undervalued compared to its fair value and its price relative to the market?

10.08x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

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Price To Earnings Ratio

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Price to Earnings Growth Ratio

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Price to Book Ratio

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Next Steps

Future Growth

How is AmeriServ Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.5%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

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Earnings per Share Growth Forecasts


Future Return on Equity

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Next Steps

Past Performance

How has AmeriServ Financial performed over the past 5 years?

16.3%

Historical annual earnings growth


Earnings and Revenue History

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Past Earnings Growth Analysis

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Return on Equity

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Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is AmeriServ Financial's financial position?


Financial Position Analysis

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Debt to Equity History and Analysis

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Balance Sheet

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Next Steps

Dividend

What is AmeriServ Financial's current dividend yield, its reliability and sustainability?

2.38%

Current Dividend Yield


Dividend Yield vs Market

company2.4%marketbottom25%1.4%markettop25%3.7%industryaverage2.7%forecastin3Yearsn/a

Current dividend yield vs market & industry

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Stability and Growth of Payments

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Current Payout to Shareholders

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Future Payout to Shareholders

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Next Steps

Management

What is the CEO of AmeriServ Financial's salary, the management and board of directors tenure and is there insider trading?

4.8yrs

Average management tenure


CEO

Jeff Stopko (56yo)

4.8yrs

Tenure

US$536,824

Compensation

Mr. Jeffrey A. Stopko, CPA, also known as Jeff, has been the Chief Executive Officer and President of AmeriServ Financial, Inc. since March 24, 2015. Mr. Stopko has been the President and Chief Executive O ...


CEO Compensation Analysis

Information is not available.

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Management Age and Tenure

4.8yrs

Average Tenure

57yo

Average Age

Information is not available.


Board Age and Tenure

22.9yrs

Average Tenure

64yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Recent Insider Transactions

BuyUS$69219 Nov 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares166.05
Max PriceUS$4.17
BuyUS$1,38321 Oct 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares332.09
Max PriceUS$4.18
BuyUS$69219 Aug 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares167.09
Max PriceUS$4.14
BuyUS$69219 Jul 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares167.86
Max PriceUS$4.12
BuyUS$69224 Jun 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares166.26
Max PriceUS$4.16
BuyUS$69223 May 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares164.9
Max PriceUS$4.20
BuyUS$8,16025 Apr 19
Jeffrey Stopko
EntityIndividual
Role
Chief Executive Officer
President
Shares2,000
Max PriceUS$4.08
BuyUS$69119 Apr 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares170.11
Max PriceUS$4.06
BuyUS$69225 Mar 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares167.05
Max PriceUS$4.14
BuyUS$69222 Feb 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares164.7
Max PriceUS$4.20
BuyUS$69222 Jan 19
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares168.67
Max PriceUS$4.10
BuyUS$2614 Jan 19
James Huerth
EntityIndividual
Role
Unit CEO
President & CEO of Ameriserv Trust and Financial Services Company
Shares6.35
Max PriceUS$4.03
BuyUS$53314 Jan 19
Allan Dennison
EntityIndividual
Role
Chairman of the Board
Non-Executive Chairman
Shares132.28
Max PriceUS$4.03
BuyUS$69227 Dec 18
Robert Wise
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares168.05
Max PriceUS$4.12

Ownership Breakdown

Information is not available.


Management Team

  • Gary McKeown (74yo)

    Executive VP & Special Assistant to the President of AmeriServ Financial Bank

    • Tenure: 10.8yrs
    • Compensation: US$273.01k
  • Jeff Stopko (56yo)

    President

    • Tenure: 4.8yrs
    • Compensation: US$536.82k
  • Jim Huerth (57yo)

    President & CEO of Ameriserv Trust and Financial Services Company

    • Tenure: 3.8yrs
    • Compensation: US$466.70k
  • Mike Baylor (56yo)

    Chief Commercial Banking Officer & Executive VP

    • Tenure: 4.8yrs
    • Compensation: US$257.41k
  • Susan Angeletti

    Senior VP and Director of Corporate Marketing & Alternative Delivery Systems

    • Tenure: 0yrs
  • Michael Lynch (58yo)

    Senior VP

    • Tenure: 4.9yrs
    • Compensation: US$355.68k
  • Carolyn Concannon

    Executive VP and Chief Risk & Chief Credit Officer

    • Tenure: 4.8yrs
  • Jack Babich

    Chief Human Relations Officer & Senior VP

    • Tenure: 0yrs
  • Bettina Fochler

    SVP & Chief Credit Officer of AmeriServ Financial Bank

    • Tenure: 0yrs
  • Robert Werner

    Senior VP & Chief Information Officer

    • Tenure: 0yrs

Board Members

  • Robert Wise (75yo)

    Independent Director

    • Tenure: 33.9yrs
    • Compensation: US$48.32k
  • Mark Pasquerilla (60yo)

    Independent Director

    • Tenure: 22.9yrs
    • Compensation: US$48.17k
  • J. Adams (57yo)

    Independent Director

    • Tenure: 19.9yrs
    • Compensation: US$51.52k
  • Kim Kunkle (64yo)

    Independent Director

    • Tenure: 35.9yrs
    • Compensation: US$51.07k
  • Margaret O'Malley (59yo)

    Independent Director

    • Tenure: 22.9yrs
    • Compensation: US$51.07k
  • Sara Sargent (71yo)

    Independent Director

    • Tenure: 23.9yrs
    • Compensation: US$57.07k
  • Craig Ford (89yo)

    Non-Executive Vice Chairman

    • Tenure: 0yrs
    • Compensation: US$109.07k
  • Jeff Stopko (56yo)

    President

    • Tenure: 4.8yrs
    • Compensation: US$536.82k
  • Allan Dennison (72yo)

    Non-Executive Chairman

    • Tenure: 0yrs
    • Compensation: US$73.07k

Company Information

AmeriServ Financial, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: AmeriServ Financial, Inc.
  • Ticker: ASRV
  • Exchange: NasdaqGM
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$71.938m
  • Shares outstanding: 17.14m
  • Website: https://www.ameriserv.com

Number of Employees


Location

  • AmeriServ Financial, Inc.
  • Main & Franklin Streets
  • PO Box 430
  • Johnstown
  • Pennsylvania
  • 15907
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ASRVNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDNov 1984

Biography

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, s ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/12/12 23:32
End of Day Share Price2019/12/12 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.