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ASRV
$3.97+0.01 (+0.25%)
Market ClosedLast close May 1
AmeriServ Financial, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
AmeriServ Financial, Inc. in the Financial Services sector is trading at $3.97. The stock is currently near its 52-week high of $4.04, remaining 22.5% above its 200-day moving average. Technical signals show neutral RSI of 60 and bullish MACD crossover, explaining why ASRV maintains its current momentum and trend strength. The Whystock Score of 70/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 60) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$3.97
Potential Upside
55.2%
Whystock Fair Value$6.16
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$67.18M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
12.00
Beta
High-beta play. Expect amplified moves vs. the broad market.
-
Div Yield
Strong income play. Yield provides a meaningful total return floor.
311.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
3.10%
Volume
Today's trading volume
4,427
Recent News
AmeriServ's Q1 Earnings Down Y/Y Due to Escalating Professional Fees
ASRV posts a year-over-year decline in Q1 earnings as higher costs and credit provisions offset solid net interest income growth and margin expansion.
2 Microcap Regional Bank Valuation Plays
ASRV and SFDL appear under-valued based on lower-cost funding bases.
AmeriServ Financial Climbs 43% in a Year: Should You Buy the Stock?
ASRV leverages diversified banking and a $2.7 billion wealth unit, stable deposits, and partnerships to drive resilient earnings and margin growth.
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