AmeriServ Financial Inc. Common Stock (ASRV)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $4.35 on 2026-10-13, AmeriServ is a $73.9M microcap bank holding company with 297 employees, so I start with humility: this is a small, locally focused lender, not a business with an obvious wide moat. The FairStock calculations put it at 8.53 times earnings and 0.60 times book value, with a 7.28% return on equity, a 2.76% dividend yield and a 0.43 beta. Those are statistically cheap marks, but cheapness for a bank must be underwritten through credit and capital, not just the multiple.

In plain English: AmeriServ is a small regional bank holding company that takes deposits and makes consumer, mortgage, and commercial loans. The business has returned to profit after a loss year, but it earns only a modest profit relative to its net worth and has not shown steady growth. Its shares look cheap compared with its profits and accounting value, though that may reflect the bank's small size and limited public credit details.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer