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AmeriServ Financial, Inc. (ASRV)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US03074A1025

CUSIP

03074A102

IPO Date

Mar 27, 1990

Highlights

Market Cap

$40.31M

EPS (TTM)

$0.22

PE Ratio

11.09

Total Revenue (TTM)

$64.74M

Gross Profit (TTM)

$40.38M

EBITDA (TTM)

$5.47M

Year Range

$2.01 - $2.99

Target Price

$5.19

Short %

0.25%

Short Ratio

1.21

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Performance

Performance Chart


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Returns By Period

AmeriServ Financial, Inc. (ASRV) returned -6.79% year-to-date (YTD) and -5.25% over the past 12 months. Over the past 10 years, ASRV returned -0.53% annually, underperforming the S&P 500 benchmark at 10.69%.


ASRV

YTD

-6.79%

1M

15.44%

6M

-10.79%

1Y

-5.25%

5Y*

-0.55%

10Y*

-0.53%

^GSPC (Benchmark)

YTD

-0.64%

1M

8.97%

6M

-2.62%

1Y

11.90%

5Y*

15.76%

10Y*

10.69%

*Annualized

Monthly Returns

The table below presents the monthly returns of ASRV, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20251.12%-2.98%-6.54%-0.82%2.50%-6.79%
2024-8.19%-7.52%-4.41%-6.92%-0.43%-5.04%11.06%12.57%-6.45%6.89%4.02%-6.62%-13.28%
20232.28%-0.51%-23.37%-2.29%-4.72%-9.61%29.92%-7.64%-12.25%-3.77%17.83%8.92%-14.67%
202211.14%-0.61%-4.72%-1.73%1.00%-1.00%-0.00%-2.82%-0.00%6.05%2.27%-3.67%5.00%
20218.63%15.50%4.10%4.07%-0.48%-5.98%-2.94%2.90%-0.40%2.72%-3.42%0.81%26.52%
2020-1.78%-1.71%-34.99%21.76%-7.43%5.16%-6.06%-2.79%0.72%-0.89%18.84%-4.57%-23.10%
20192.73%2.91%-5.19%2.49%0.60%0.73%-1.20%1.84%-0.24%0.48%1.33%0.24%6.64%
2018-1.21%-0.86%-1.23%2.50%4.15%-3.53%6.10%5.07%-5.50%-1.39%1.66%-6.06%-1.17%
20176.76%-3.43%-1.32%8.00%4.09%-1.19%-4.82%-0.90%2.56%2.50%5.26%-3.49%13.84%
2016-2.50%-1.29%-2.61%2.01%5.57%-5.92%2.98%2.42%4.73%-0.61%6.55%5.71%17.44%
2015-3.82%-2.00%1.36%8.05%4.36%-0.60%2.10%-2.77%-1.70%2.47%0.90%-4.19%3.51%
20147.92%-2.15%20.69%-9.61%0.86%-0.57%-8.33%0.63%3.12%-4.24%-4.13%3.64%4.57%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of ASRV is 48, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of ASRV is 4848
Overall Rank
The Sharpe Ratio Rank of ASRV is 4343
Sharpe Ratio Rank
The Sortino Ratio Rank of ASRV is 4747
Sortino Ratio Rank
The Omega Ratio Rank of ASRV is 4646
Omega Ratio Rank
The Calmar Ratio Rank of ASRV is 5151
Calmar Ratio Rank
The Martin Ratio Rank of ASRV is 5252
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for AmeriServ Financial, Inc. (ASRV) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

AmeriServ Financial, Inc. Sharpe ratios as of May 13, 2025 (values are recalculated daily):

  • 1-Year: -0.12
  • 5-Year: -0.01
  • 10-Year: -0.02
  • All Time: 0.06

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

The chart below shows the rolling Sharpe ratio of AmeriServ Financial, Inc. compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time. For deeper analysis or to customize the calculation, use the Sharpe ratio tool.


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Dividends

Dividend History

AmeriServ Financial, Inc. provided a 4.92% dividend yield over the last twelve months, with an annual payout of $0.12 per share. The company has been increasing its dividends for 11 consecutive years.


1.00%1.50%2.00%2.50%3.00%3.50%4.00%4.50%$0.00$0.02$0.04$0.06$0.08$0.10$0.1220142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$0.12$0.12$0.12$0.12$0.10$0.10$0.10$0.08$0.06$0.05$0.04$0.04

Dividend yield

4.92%4.48%3.71%2.92%2.59%3.19%2.26%1.86%1.45%1.35%1.25%1.28%

Monthly Dividends

The table displays the monthly dividend distributions for AmeriServ Financial, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.00$0.03$0.00$0.00$0.03$0.06
2024$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.12
2023$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.12
2022$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.12
2021$0.00$0.03$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.00$0.03$0.00$0.10
2020$0.03$0.00$0.00$0.00$0.03$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.10
2019$0.00$0.02$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.00$0.03$0.00$0.10
2018$0.00$0.02$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.08
2017$0.00$0.02$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.06
2016$0.00$0.01$0.00$0.00$0.01$0.00$0.00$0.02$0.00$0.00$0.02$0.00$0.05
2015$0.01$0.00$0.00$0.01$0.00$0.00$0.01$0.00$0.00$0.01$0.00$0.00$0.04
2014$0.01$0.00$0.00$0.00$0.01$0.00$0.01$0.00$0.00$0.01$0.00$0.00$0.04

Dividend Yield & Payout


Dividend Yield

AmeriServ Financial, Inc. has a dividend yield of 4.92%, which is quite average when compared to the overall market.

Payout Ratio

AmeriServ Financial, Inc. has a payout ratio of 116.05%, which is above the market average. This might signify the company's strong earnings or financial health. However, it could also hint at a more mature business phase with potentially slower growth.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the AmeriServ Financial, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the AmeriServ Financial, Inc. was 86.28%, occurring on Jul 16, 2010. The portfolio has not yet recovered.

The current AmeriServ Financial, Inc. drawdown is 67.76%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-86.28%May 8, 19983043Jul 16, 2010
-33.04%Jun 19, 199052Oct 1, 199058Feb 28, 1991110
-25.46%Oct 20, 1993295Dec 27, 1994141Aug 1, 1995436
-18.81%Jan 6, 19986Jan 13, 199851Mar 27, 199857
-15.55%Mar 19, 199343May 19, 199369Sep 3, 1993112

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of AmeriServ Financial, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of AmeriServ Financial, Inc., comparing actual results with analytics estimates. The company has exceeded analyst expectations for EPS in the past quarter, achieving a 100.0% positive surprise.


-0.30-0.20-0.100.000.10AprilJulyOctober2021AprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober
0.05
Actual
Estimate

Valuation

The Valuation section provides an overview of how AmeriServ Financial, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for ASRV, comparing it with other companies in the Banks - Regional industry. Currently, ASRV has a P/E ratio of 11.1. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for ASRV compared to other companies in the Banks - Regional industry. ASRV currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for ASRV relative to other companies in the Banks - Regional industry. Currently, ASRV has a P/S ratio of 0.8. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for ASRV in comparison with other companies in the Banks - Regional industry. Currently, ASRV has a P/B value of 0.4. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items