Ameriserv Financial Stock Buy Hold or Sell Recommendation
| ASRV Stock | USD 2.45 0.07 2.94% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding AmeriServ Financial is 'Hold'. A buy or sell recommendation is an automated directive regarding whether to purchase or sell AmeriServ Financial given historical horizon and risk tolerance. When we issue a 'buy' or 'sell' recommendation for AmeriServ Financial, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out AmeriServ Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy AmeriServ Stock please use our How to Invest in AmeriServ Financial guide. Note, we conduct extensive research on individual companies such as AmeriServ and provide practical buy, sell, or hold advice based on investors' constraints. AmeriServ Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
AmeriServ |
Execute AmeriServ Financial Buy or Sell Advice
The AmeriServ recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on AmeriServ Financial. Macroaxis does not own or have any residual interests in AmeriServ Financial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute AmeriServ Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Very Weak | Details | |
Volatility | Relatively risky | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Average | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
AmeriServ Financial Trading Alerts and Improvement Suggestions
| AmeriServ Financial generated a negative expected return over the last 90 days | |
| AmeriServ Financial has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the previous year's revenue of 44.98 M. Net Loss for the year was (3.35 M) with profit before overhead, payroll, taxes, and interest of 57.2 M. | |
| About 21.0% of the company shares are held by company insiders | |
| On 18th of February 2025 AmeriServ Financial paid $ 0.03 per share dividend to its current shareholders | |
| Latest headline from MacroaxisInsider: Acquisition by Bloomingdale Richard W. of 206 shares of AmeriServ Financial at 2.6509 subject to Rule 16b-3 |
AmeriServ Financial Returns Distribution Density
The distribution of AmeriServ Financial's historical returns is an attempt to chart the uncertainty of AmeriServ Financial's future price movements. The chart of the probability distribution of AmeriServ Financial daily returns describes the distribution of returns around its average expected value. We use AmeriServ Financial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of AmeriServ Financial returns is essential to provide solid investment advice for AmeriServ Financial.
| Mean Return | -0.21 | Value At Risk | -4.3 | Potential Upside | 3.38 | Standard Deviation | 2.12 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of AmeriServ Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
AmeriServ Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as AmeriServ Financial, soars without any apparent reason? This usually happens because many institutional investors are aggressively trading AmeriServ Financial back and forth among themselves.
| Shares | Empowered Funds, Llc | 2024-12-31 | 96.8 K | Susquehanna International Group, Llp | 2024-12-31 | 85 K | Minerva Advisors Llc | 2024-12-31 | 58.2 K | Angel Oak Capital Advisors, Llc | 2024-12-31 | 53.9 K | Abacus Planning Group Inc | 2024-12-31 | 42.5 K | Northern Trust Corp | 2024-12-31 | 30.7 K | Jpmorgan Chase & Co | 2024-12-31 | 25 K | State Street Corp | 2024-12-31 | 19 K | Modern Wealth Management Llc | 2024-12-31 | 15.8 K | Gendell Jeffrey L | 2024-12-31 | 1.6 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 1.2 M |
AmeriServ Financial Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 9.3M | 9.6M | (18.1M) | (8.9M) | (10.3M) | (9.8M) | |
| Free Cash Flow | (2.7M) | 8.7M | 3.1M | 4.9M | 4.4M | 6.7M | |
| Depreciation | 2.0M | 2.0M | 2.1M | 2.1M | 1.9M | 2.9M | |
| Other Non Cash Items | (7.4M) | (440K) | (4.1M) | 5.8M | 5.2M | 5.5M | |
| Dividends Paid | 1.7M | 1.7M | 2.0M | (2.1M) | (1.9M) | (1.8M) | |
| Capital Expenditures | 1.3M | 1.2M | 2.1M | 1.4M | 1.6M | 2.1M | |
| Net Income | 4.6M | 7.1M | 7.4M | (3.3M) | (3.0M) | (2.9M) | |
| End Period Cash Flow | 31.5M | 41.1M | 23.0M | 14.0M | 12.6M | 12.0M | |
| Investments | (94.5M) | (31.4M) | (55.2M) | (40.0M) | (36.0M) | (37.8M) | |
| Change Receivables | 114K | 40K | (1.6M) | (820K) | (738K) | (701.1K) | |
| Net Borrowings | (11.7M) | 13.6M | (40.3M) | 65.8M | 59.2M | 62.1M | |
| Change To Netincome | (3.2M) | 1.8M | 332K | 468K | 421.2K | 400.1K |
AmeriServ Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to AmeriServ Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that AmeriServ Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a AmeriServ stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.15 | |
β | Beta against Dow Jones | 0.52 | |
σ | Overall volatility | 2.13 | |
Ir | Information ratio | -0.04 |
AmeriServ Financial Volatility Alert
AmeriServ Financial exhibits very low volatility with skewness of -0.46 and kurtosis of 0.29. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure AmeriServ Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact AmeriServ Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.AmeriServ Financial Fundamentals Vs Peers
Comparing AmeriServ Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze AmeriServ Financial's direct or indirect competition across all of the common fundamentals between AmeriServ Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as AmeriServ Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of AmeriServ Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing AmeriServ Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare AmeriServ Financial to competition |
| Fundamentals | AmeriServ Financial | Peer Average |
| Return On Equity | -0.0249 | -0.31 |
| Return On Asset | -0.0019 | -0.14 |
| Profit Margin | (0.06) % | (1.27) % |
| Operating Margin | 0.13 % | (5.51) % |
| Current Valuation | 152.32 M | 16.62 B |
| Shares Outstanding | 16.52 M | 571.82 M |
| Shares Owned By Insiders | 21.01 % | 10.09 % |
| Shares Owned By Institutions | 39.40 % | 39.21 % |
| Number Of Shares Shorted | 9.43 K | 4.71 M |
| Price To Earning | 12.98 X | 28.72 X |
| Price To Book | 0.14 X | 9.51 X |
| Price To Sales | 0.74 X | 11.42 X |
| Revenue | 44.98 M | 9.43 B |
| Gross Profit | 57.2 M | 27.38 B |
| EBITDA | 2.07 M | 3.9 B |
| Net Income | (3.35 M) | 570.98 M |
| Cash And Equivalents | 34.67 M | 2.7 B |
| Cash Per Share | 2.03 X | 5.01 X |
| Total Debt | 115.56 M | 5.32 B |
| Debt To Equity | 8.65 % | 48.70 % |
| Book Value Per Share | 6.55 X | 1.93 K |
| Cash Flow From Operations | 6.29 M | 971.22 M |
| Short Ratio | 1.19 X | 4.00 X |
| Earnings Per Share | (0.17) X | 3.12 X |
| Target Price | 5.19 | |
| Number Of Employees | 302 | 18.84 K |
| Beta | 0.72 | -0.15 |
| Market Capitalization | 49.06 M | 19.03 B |
| Total Asset | 1.39 B | 29.47 B |
| Retained Earnings | 58.9 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 2.35 % | |
| Net Asset | 1.39 B |
Note: Acquisition by Stopko Jeffrey A of 3000 shares of AmeriServ Financial at 2.42 subject to Rule 16b-3 [view details]
AmeriServ Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as AmeriServ . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About AmeriServ Financial Buy or Sell Advice
When is the right time to buy or sell AmeriServ Financial? Buying financial instruments such as AmeriServ Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor 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.