AmeriServ Financial, Inc. (ASRV)
Banks - Regional · Financial Services · $65M
Intrinsic Value (Consensus)
$6.99
Current Price
$3.81
Margin of Safety
+83.5%
83.5% Below Intrinsic Value
Value: $7
Price: $4
Valuation Model Estimates
Current Price: $3.81
DCF (Discounted Cash Flow)
$7.49
Graham Number
$7.34
Earnings Power Value
$3.30
Relative Value (P/E)
$6.80
Dividend Discount Model
$10.00
Consensus Value
$6.99
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $0.34
- EPS (Forward)
- $0.41
- Book Value
- $7.03
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 4.7%
- Debt/Equity
- —
- Revenue Growth
- -6.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.4%
- Beta
- 0.44
Data last updated: 2026-06-12
Source: Yahoo Finance