AmeriServ Financial, Inc.
AI Valuation
AI-generated fair value estimate for this company.
AI Fair Value
$4.44
Market Price
$4.45
Overvalued By
0.2%
Method: Book-value-based (justified price-to-book) model: book value per share of $7.26; justified P/B = (ROE 7.28% - growth 3%) / (cost of equity 10% - growth 3%) = 0.61x, applied to book value per share.
Reasoning: AmeriServ is a small, stable, profitable community bank holding company, and bank equity is best valued through book value and return on equity rather than a cash-flow DCF; the current ROE (up sharply from 3.44% in FY2024 to 7.28% currently) was used as the normalized profitability input.