AmeriServ Financial Net Income
| ASRV Stock | USD 3.30 0.05 1.54% |
As of the 30th of January, AmeriServ Financial shows the mean deviation of 1.4, and Risk Adjusted Performance of 0.0442. AmeriServ Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm AmeriServ Financial market risk adjusted performance, variance, as well as the relationship between the Variance and potential upside to decide if AmeriServ Financial is priced correctly, providing market reflects its regular price of 3.3 per share. Given that AmeriServ Financial has jensen alpha of 0.0544, we suggest you to validate AmeriServ Financial's prevailing market performance to make sure the company can sustain itself at a future point.
AmeriServ Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.6973 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 5.6 M | 4.5 M | |
| Net Income Applicable To Common Shares | 8.6 M | 4.4 M | |
| Net Income From Continuing Ops | 3.2 M | 3.7 M | |
| Net Income Per Share | 0.34 | 0.40 | |
| Net Income Per E B T | 0.83 | 1.03 |
AmeriServ | Net Income | Build AI portfolio with AmeriServ Stock |
The evolution of Net Income for AmeriServ Financial provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how AmeriServ Financial compares to historical norms and industry peers.
Latest AmeriServ Financial's Net Income Growth Pattern
Below is the plot of the Net Income of AmeriServ Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in AmeriServ Financial financial statement analysis. It represents the amount of money remaining after all of AmeriServ Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is AmeriServ Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in AmeriServ Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 5.61 M | 10 Years Trend |
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Net Income |
| Timeline |
AmeriServ Net Income Regression Statistics
| Arithmetic Mean | 4,663,735 | |
| Coefficient Of Variation | 55.57 | |
| Mean Deviation | 1,771,370 | |
| Median | 5,039,000 | |
| Standard Deviation | 2,591,768 | |
| Sample Variance | 6.7T | |
| Range | 11.1M | |
| R-Value | (0.18) | |
| Mean Square Error | 6.9T | |
| R-Squared | 0.03 | |
| Significance | 0.50 | |
| Slope | (89,897) | |
| Total Sum of Squares | 107.5T |
AmeriServ Net Income History
Other Fundumenentals of AmeriServ Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
AmeriServ Financial Net Income component correlations
AmeriServ Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for AmeriServ Financial is extremely important. It helps to project a fair market value of AmeriServ Stock properly, considering its historical fundamentals such as Net Income. Since AmeriServ Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of AmeriServ Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of AmeriServ Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
What growth prospects exist in Regional Banks sector? Can AmeriServ capture new markets? Factors like these will boost the valuation of AmeriServ Financial. If investors know AmeriServ will grow in the future, the company's valuation will be higher. Valuation analysis balances hard financial data with qualitative growth assessments. While each AmeriServ Financial valuation metric matters, prioritizing which indicators carry greater predictive weight remains essential.
Quarterly Earnings Growth 1.143 | Dividend Share 0.12 | Earnings Share 0.3 | Revenue Per Share | Quarterly Revenue Growth 0.145 |
Understanding AmeriServ Financial requires distinguishing between market price and book value, where the latter reflects AmeriServ's accounting equity. The concept of intrinsic value—what AmeriServ Financial's is actually worth based on fundamentals—guides informed investors toward better entry and exit points. Investment professionals apply varied valuation frameworks to compute inherent worth and acquire positions when market prices trade at discounts to calculated value. Market sentiment, economic cycles, and investor behavior can push AmeriServ Financial's price substantially above or below its fundamental value.
Understanding that AmeriServ Financial's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether AmeriServ Financial represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. In contrast, AmeriServ Financial's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
AmeriServ Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to AmeriServ Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of AmeriServ Financial.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in AmeriServ Financial on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding AmeriServ Financial or generate 0.0% return on investment in AmeriServ Financial over 90 days. AmeriServ Financial is related to or competes with Home Federal, OptimumBank Holdings, Tectonic Financial, Texas Community, Meta Financial, First Seacoast, and Catalyst Bancorp. AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consum... More
AmeriServ Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure AmeriServ Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess AmeriServ Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.37 | |||
| Information Ratio | 0.0194 | |||
| Maximum Drawdown | 8.63 | |||
| Value At Risk | (3.13) | |||
| Potential Upside | 2.89 |
AmeriServ Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for AmeriServ Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as AmeriServ Financial's standard deviation. In reality, there are many statistical measures that can use AmeriServ Financial historical prices to predict the future AmeriServ Financial's volatility.| Risk Adjusted Performance | 0.0442 | |||
| Jensen Alpha | 0.0544 | |||
| Total Risk Alpha | (0.04) | |||
| Sortino Ratio | 0.0151 | |||
| Treynor Ratio | 0.137 |
AmeriServ Financial January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0442 | |||
| Market Risk Adjusted Performance | 0.147 | |||
| Mean Deviation | 1.4 | |||
| Semi Deviation | 1.86 | |||
| Downside Deviation | 2.37 | |||
| Coefficient Of Variation | 1901.66 | |||
| Standard Deviation | 1.85 | |||
| Variance | 3.4 | |||
| Information Ratio | 0.0194 | |||
| Jensen Alpha | 0.0544 | |||
| Total Risk Alpha | (0.04) | |||
| Sortino Ratio | 0.0151 | |||
| Treynor Ratio | 0.137 | |||
| Maximum Drawdown | 8.63 | |||
| Value At Risk | (3.13) | |||
| Potential Upside | 2.89 | |||
| Downside Variance | 5.61 | |||
| Semi Variance | 3.47 | |||
| Expected Short fall | (1.54) | |||
| Skewness | (0.52) | |||
| Kurtosis | 0.1598 |
AmeriServ Financial Backtested Returns
At this stage we consider AmeriServ Stock to be slightly risky. AmeriServ Financial secures Sharpe Ratio (or Efficiency) of 0.0672, which signifies that the company had a 0.0672 % return per unit of standard deviation over the last 3 months. We have found thirty technical indicators for AmeriServ Financial, which you can use to evaluate the volatility of the firm. Please confirm AmeriServ Financial's risk adjusted performance of 0.0442, and Mean Deviation of 1.4 to double-check if the risk estimate we provide is consistent with the expected return of 0.12%. AmeriServ Financial has a performance score of 5 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.64, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, AmeriServ Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding AmeriServ Financial is expected to be smaller as well. AmeriServ Financial right now shows a risk of 1.79%. Please confirm AmeriServ Financial potential upside, and the relationship between the jensen alpha and accumulation distribution , to decide if AmeriServ Financial will be following its price patterns.
Auto-correlation | 0.18 |
Very weak predictability
AmeriServ Financial has very weak predictability. Overlapping area represents the amount of predictability between AmeriServ Financial time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of AmeriServ Financial price movement. The serial correlation of 0.18 indicates that over 18.0% of current AmeriServ Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.18 | |
| Spearman Rank Test | 0.24 | |
| Residual Average | 0.0 | |
| Price Variance | 0.01 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
AmeriServ Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, AmeriServ Financial reported net income of 5.61 M. This is 99.56% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.02% higher than that of the company.
AmeriServ Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses AmeriServ Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of AmeriServ Financial could also be used in its relative valuation, which is a method of valuing AmeriServ Financial by comparing valuation metrics of similar companies.AmeriServ Financial is currently under evaluation in net income category among its peers.
AmeriServ Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, AmeriServ Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to AmeriServ Financial's managers, analysts, and investors.Environmental | Governance | Social |
AmeriServ Financial Institutional Holders
Institutional Holdings refers to the ownership stake in AmeriServ Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of AmeriServ Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing AmeriServ Financial's value.| Shares | Angel Oak Capital Advisors, Llc | 2025-06-30 | 100 K | Lesa Sroufe & Company Inc | 2025-06-30 | 100 K | John G Ullman & Associates Inc | 2025-06-30 | 67.2 K | Minerva Advisors Llc | 2025-06-30 | 58.2 K | Abacus Planning Group Inc | 2025-06-30 | 42.5 K | Susquehanna International Group, Llp | 2025-06-30 | 34.9 K | Northern Trust Corp | 2025-06-30 | 30.6 K | Jpmorgan Chase & Co | 2025-06-30 | 25 K | State Street Corp | 2025-06-30 | 19 K | Gendell Jeffrey L | 2025-06-30 | 1.6 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 1.2 M |
AmeriServ Fundamentals
| Return On Equity | 0.0454 | |||
| Return On Asset | 0.0035 | |||
| Profit Margin | 0.09 % | |||
| Operating Margin | 0.22 % | |||
| Current Valuation | 122.02 M | |||
| Shares Outstanding | 16.52 M | |||
| Shares Owned By Insiders | 24.20 % | |||
| Shares Owned By Institutions | 41.94 % | |||
| Number Of Shares Shorted | 68.6 K | |||
| Price To Earning | 12.98 X | |||
| Price To Book | 0.19 X | |||
| Price To Sales | 1.01 X | |||
| Revenue | 88.34 M | |||
| Gross Profit | 53.49 M | |||
| EBITDA | 6.8 M | |||
| Net Income | 5.61 M | |||
| Cash And Equivalents | 34.67 M | |||
| Cash Per Share | 2.03 X | |||
| Total Debt | 80.67 M | |||
| Debt To Equity | 8.65 % | |||
| Book Value Per Share | 6.94 X | |||
| Cash Flow From Operations | 2.69 M | |||
| Short Ratio | 2.53 X | |||
| Earnings Per Share | 0.30 X | |||
| Target Price | 5.19 | |||
| Number Of Employees | 298 | |||
| Beta | 0.44 | |||
| Market Capitalization | 51.04 M | |||
| Total Asset | 1.45 B | |||
| Retained Earnings | 60.48 M | |||
| Annual Yield | 0.04 % | |||
| Five Year Return | 2.35 % | |||
| Net Asset | 1.45 B | |||
| Last Dividend Paid | 0.12 |
About AmeriServ Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze AmeriServ Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of AmeriServ Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of AmeriServ Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for AmeriServ Stock Analysis
When running AmeriServ Financial's price analysis, check to measure AmeriServ Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy AmeriServ Financial is operating at the current time. Most of AmeriServ Financial's value examination focuses on studying past and present price action to predict the probability of AmeriServ Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move AmeriServ Financial's price. Additionally, you may evaluate how the addition of AmeriServ Financial to your portfolios can decrease your overall portfolio volatility.