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How to buy AmeriServ Financial stock | $3.89

Learn how to easily invest in AmeriServ Financial stock.

AmeriServ Financial Inc is a banks-regional business based in the US. AmeriServ Financial shares (ASRV) are listed on the NASDAQ and all prices are listed in US Dollars. AmeriServ Financial employs 300 staff and has a trailing 12-month revenue of around 0.00.

How to buy shares in AmeriServ Financial

  1. Compare share trading platforms.Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – ASRV – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

AmeriServ Financial stock price (NASDAQ: ASRV)

Use our graph to track the performance of ASRV stocks over time.

AmeriServ Financial shares at a glance

Information last updated 2021-10-17.
Latest market close$3.89
52-week range$2.60 - $4.38
50-day moving average $3.85
200-day moving average $3.96
Wall St. target price$5.19
PE ratio 11.9375
Dividend yield $0.1 (2.62%)
Earnings per share (TTM) $0.32

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy AmeriServ Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

AmeriServ Financial price performance over time

Historical closes compared with the close of $3.89 from 2021-10-22

1 week (2021-10-15) 1.83%
1 month (2021-09-23) -1.02%
3 months (2021-07-23) 1.04%
6 months (2021-04-23) -6.94%
1 year (2020-10-23) 32.76%
2 years (2019-10-23) -6.81%
3 years (2018-10-23) 4.35
5 years (2016-10-21) 19.33%

Is AmeriServ Financial under- or over-valued?

Valuing AmeriServ Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of AmeriServ Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

AmeriServ Financial's P/E ratio

AmeriServ Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, AmeriServ Financial shares trade at around 12x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

AmeriServ Financial financials

Revenue TTM $53 million
Operating margin TTM 14.65%
Gross profit TTM $50.3 million
Return on assets TTM 0.43%
Return on equity TTM 5.2%
Profit margin 10.49%
Book value $6.52
Market capitalisation $65.2 million

TTM: trailing 12 months

Shorting AmeriServ Financial shares

There are currently 10,867 AmeriServ Financial shares held short by investors – that's known as AmeriServ Financial's "short interest". This figure is 32.7% down from 16,147 last month.

There are a few different ways that this level of interest in shorting AmeriServ Financial shares can be evaluated.

AmeriServ Financial's "short interest ratio" (SIR)

AmeriServ Financial's "short interest ratio" (SIR) is the quantity of AmeriServ Financial shares currently shorted divided by the average quantity of AmeriServ Financial shares traded daily (recently around 20898.076923077). AmeriServ Financial's SIR currently stands at 0.52. In other words for every 100,000 AmeriServ Financial shares traded daily on the market, roughly 520 shares are currently held short.

However AmeriServ Financial's short interest can also be evaluated against the total number of AmeriServ Financial shares, or, against the total number of tradable AmeriServ Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case AmeriServ Financial's short interest could be expressed as 0% of the outstanding shares (for every 100,000 AmeriServ Financial shares in existence, roughly 0 shares are currently held short) or 0.0008% of the tradable shares (for every 100,000 tradable AmeriServ Financial shares, roughly 1 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against AmeriServ Financial.

Find out more about how you can short AmeriServ Financial stock.

AmeriServ Financial share dividends

28%

Dividend payout ratio: 27.8% of net profits

Recently AmeriServ Financial has paid out, on average, around 27.8% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.62% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), AmeriServ Financial shareholders could enjoy a 2.62% return on their shares, in the form of dividend payments. In AmeriServ Financial's case, that would currently equate to about $0.1 per share.

While AmeriServ Financial's payout ratio might seem fairly standard, it's worth remembering that AmeriServ Financial may be investing much of the rest of its net profits in future growth.

AmeriServ Financial's most recent dividend payout was on 15 August 2021. The latest dividend was paid out to all shareholders who bought their shares by 29 July 2021 (the "ex-dividend date").

Have AmeriServ Financial's shares ever split?

AmeriServ Financial's shares were split on a 3:1 basis on 2 August 1998. So if you had owned 1 share the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your AmeriServ Financial shares – just the quantity. However, indirectly, the new 66.7% lower share price could have impacted the market appetite for AmeriServ Financial shares which in turn could have impacted AmeriServ Financial's share price.

AmeriServ Financial share price volatility

Over the last 12 months, AmeriServ Financial's shares have ranged in value from as little as $2.5995 up to $4.3755. A popular way to gauge a stock's volatility is its "beta".

ASRV.US volatility(beta: 0.92)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while AmeriServ Financial's is 0.9164. This would suggest that AmeriServ Financial's shares are less volatile than average (for this exchange).

AmeriServ Financial overview

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, such as 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. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 16 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 17 automated bank teller machines.

Frequently asked questions

What percentage of AmeriServ Financial is owned by insiders or institutions?
Currently 10.417% of AmeriServ Financial shares are held by insiders and 43.592% by institutions.
How many people work for AmeriServ Financial?
Latest data suggests 300 work at AmeriServ Financial.
When does the fiscal year end for AmeriServ Financial?
AmeriServ Financial's fiscal year ends in December.
Where is AmeriServ Financial based?
AmeriServ Financial's address is: 216 Franklin Street, Johnstown, PA, United States, 15901
What is AmeriServ Financial's ISIN number?
AmeriServ Financial's international securities identification number is: US03074A1025
What is AmeriServ Financial's CUSIP number?
AmeriServ Financial's Committee on Uniform Securities Identification Procedures number is: 03074A102

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