AmeriServ Financial, Inc.
ASRVFinancial ServicesNASDAQBanks - Regional
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Daily timeframeAmeriServ 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 $81.0M market capitalization puts ASRV squarely in micro-cap range for its industry. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders.
Market Cap
$81.0M
Beta
—
P/E (TTM)
8.83
P/E (Fwd)
—
EPS (TTM)
$0.54
EPS (Fwd)
—
ROE
7.7%
ROA
0.6%
Cash
$7.9M
Total Debt
$59.6M
Free CF
—
52W Change
48.1%
Annual Financials
Cash vs Debt
Where ASRV stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, ASRV finished 5.54% above its 150-day moving average ($4.15) and 10.05% above its 200-day moving average ($3.98). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is ASRV overbought or oversold?
At the October 20, 2026 close, ASRV's RSI(14) was 40.7, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, ASRV has $7.9M in cash with $59.6M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 7.7%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.6% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $57.3M (2022) to $59.3M (2025).
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing ASRV's risk profile alongside its fundamentals and technical indicators provides a more complete picture.