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Upturn AI SWOT - About
ASRV 
AmeriServ Financial Inc (ASRV)
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Upturn Advisory Summary
04/01/2025: ASRV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -22.57% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 49.06M USD | Price to earnings Ratio - | 1Y Target Price 5.19 |
Price to earnings Ratio - | 1Y Target Price 5.19 | ||
Volume (30-day avg) 18595 | Beta 0.72 | 52 Weeks Range 2.14 - 3.03 | Updated Date 03/30/2025 |
52 Weeks Range 2.14 - 3.03 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 4.18% | Basic EPS (TTM) -0.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.73% | Operating Margin (TTM) 12.75% |
Management Effectiveness
Return on Assets (TTM) -0.19% | Return on Equity (TTM) -2.49% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 152320928 | Price to Sales(TTM) 0.76 |
Enterprise Value 152320928 | Price to Sales(TTM) 0.76 | ||
Enterprise Value to Revenue 2.64 | Enterprise Value to EBITDA - | Shares Outstanding 16519300 | Shares Floating 13565622 |
Shares Outstanding 16519300 | Shares Floating 13565622 | ||
Percent Insiders 21.02 | Percent Institutions 39.4 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
AmeriServ Financial Inc
Company Overview
History and Background
AmeriServ Financial, Inc. was founded in 1889. It has evolved from a community bank into a diversified financial services company through strategic acquisitions and organic growth.
Core Business Areas
- Banking: Provides a range of banking products and services, including deposit accounts, loans, and other financial services to individuals, businesses, and non-profit organizations.
- Wealth Management: Offers investment management, financial planning, trust, and brokerage services.
- Insurance: Provides insurance products to businesses and individuals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a community bank holding company, with various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial lending is a key offering. Market share data is difficult to pinpoint exactly but falls within the average for a regional bank of similar asset size. Competitors include larger national banks like PNC and local community banks.
- Residential Mortgages: Mortgages are a significant part of the lending portfolio. Market share is dependent on the local market. Competitors include national mortgage lenders like Rocket Mortgage.
- Deposit Accounts: Checking, savings, and money market accounts. The number of users is reflected in the deposit base of the bank. Competitors are local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
AmeriServ Financial Inc. is positioned as a community-focused bank offering personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in AmeriServ's geographic region is estimated to be in the billions of dollars. AmeriServ holds a small percentage of this TAM, with opportunities for growth by expanding its customer base and product offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Diversified revenue streams (banking, wealth management, insurance)
- Strong customer relationships
Weaknesses
- Smaller scale compared to national banks
- Limited geographic reach
- Dependence on local economy
- Lower technology spending than larger banks
Opportunities
- Expanding into new markets within its region
- Acquiring smaller community banks
- Investing in technology to improve customer experience
- Increasing wealth management offerings
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in its region
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- First Commonwealth Financial (FCF)
- S&T Bancorp (STBA)
Competitive Landscape
AmeriServ Financial Inc. faces stiff competition from larger regional and national banks. Its advantage lies in its community focus and personalized service, but it needs to innovate and invest in technology to remain competitive.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require analysis of past financial performance.
Future Projections: Future growth projections are based on analyst estimates and are not available here.
Recent Initiatives: Recent initiatives would include strategic acquisitions, new product launches, and technology investments.
Summary
AmeriServ Financial Inc is a community-focused bank with diversified revenue streams, providing stability. Its smaller size and limited geographic reach pose challenges in a competitive landscape dominated by larger players. Investing in technology and expanding market presence are crucial for future growth. Potential threats include rising interest rates and competition from fintech companies.
Similar Companies
CVBF
CVB Financial Corporation
CVBF
CVB Financial Corporation
FCF
First Commonwealth Financial
FCF
First Commonwealth Financial
STBA
S&T Bancorp Inc
STBA
S&T Bancorp Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market share data is estimated and may not be precise. Future projections are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About AmeriServ Financial Inc
Exchange NASDAQ | Headquaters Johnstown, PA, United States | ||
IPO Launch date 1990-03-27 | President, CEO & Director Mr. Jeffrey A. Stopko CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 313 | Website https://www.ameriserv.com |
Full time employees 313 | Website https://www.ameriserv.com | ||
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, 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. It 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, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising 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. AmeriServ Financial, Inc. was founded in 1983 and is headquartered in Johnstown, Pennsylvania.
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