(ASRV) AmeriServ Financial - Ratings and Ratios

AmeriServ Financial, Inc. (NASDAQ:ASRV) is a bank holding company for AmeriServ Financial Bank, providing a broad range of financial services to individual and institutional clients in the United States. The company specializes in retail banking products, including demand, savings, and time deposits, as well as secured and unsecured consumer loans, mortgage loans, and ancillary services such as safe deposit boxes and money orders. Its commercial banking division offers lending and depository services tailored to businesses, including commercial real estate loans, revolving credit arrangements, inventory financing, and lock box services.

The company also provides wealth management solutions, including personal trust services such as estate planning and portfolio management, as well as institutional trust services like 401(k) plans and employee benefit programs. Additionally, AmeriServ Financial offers financial products such as mutual funds, annuities, and insurance, along with union collective investment funds focused on construction projects using union labor. Founded in 1983 and headquartered in Johnstown, Pennsylvania, the bank operates with a focus on community-driven financial solutions.

Ticker Symbol: ASRV Exchange: NASDAQ Type: common stock Country Origin: United States GICS Sub Industry: Regional Banks

Based on the provided data, here is a 3-month forecast for AmeriServ Financial, Inc. (ASRV):

3-Month Forecast: The stock is expected to remain stable with minimal price fluctuations due to low average trading volume (14,350 shares over 20 days). Support levels are likely to hold near the SMA 200 price of $2.58, with resistance at the SMA 50 level of $2.64. The ATR of 0.11 suggests limited volatility, indicating a narrow trading range.

With a market cap of $49.06 million and a price-to-book ratio of 0.15, the stock is trading at a significant discount to its book value. The negative return on equity (-2.41%) and lack of forward P/E suggest challenges in profitability. However, the price-to-sales ratio of 0.81 indicates moderate valuation relative to revenue. Investors should monitor the companys ability to improve profitability metrics and leverage its niche in community banking and union-focused financial services.