AmeriServ Financial, Inc. (ASRV)
Banks - Regional · Financial Services · $66M
Intrinsic Value (Consensus)
$6.10
Current Price
$3.87
Margin of Safety
+57.6%
57.6% Below Intrinsic Value
Value: $6
Price: $4
Valuation Model Estimates
Current Price: $3.87
DCF (Discounted Cash Flow)
$6.05
Graham Number
$7.23
Earnings Power Value
$4.52
Relative Value (P/E)
$6.60
Dividend Discount Model
$0.76
Consensus Value
$6.10
Model Assumptions
Discount Rate
10.3%
Growth Rate
3.4%
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%.
Health Score
C
56
Profitability
12/25
Strength
18/25
Valuation
22/25
Growth
4/25
Financial Health Signals
Declining revenue — top line is shrinking
Key Financials
- EPS (TTM)
- $0.33
- EPS (Forward)
- $0.34
- 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
- 3.4%
- Dividend Yield
- 0.4%
- Beta
- 0.45
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Data last updated: 2026-06-21
Source: Yahoo Finance