B+
Bull case
20%
Probability
Target price
$3.42
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
ASRV
AmeriServ FinancialDNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Modest NIM expansion and contained credit costs drive earnings beats; maintained dividends and execution on cost control support re-rating to the analyst high.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.3.
What can break
Deposit outflows forcing costlier funding or capital raise
Momentum
47
Value
52
Sentiment
31
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $3.22 · Bull $3.42 · Bear $2.03Analysis 2026-01-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-28 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-10-29
Investment thesis
As of 2026-10-29
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Why
Momentum47 · Δ7d -
Value52 · Δ7d -1.3
Sentiment31 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -1.3.
Contradictions & invalidation
- • Deposit outflows forcing costlier funding or capital raise
- • Execution failure on cost controls or strategic initiatives
- • Rising provisions, deposit pressure, or a dilutive capital action compresses multiples and pushes shares toward the analyst low.
Catalyst clock
2026-02-27
Q4 2025 / FY2025 earnings
Lead driver: Value · See fundamentals
Momentum
47
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
52
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
-3.0
Sentiment
31
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade D. Momentum 46.7 / Value 52.0 / Sentiment 31.2
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-28. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$3.22
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$2.03
Analysis reference price unavailable
Analysis 2026-01-28 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-10-29
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$83.76M
Beta
0.47
Shares Out
16.99M
P/E (TTM)
10.7
P/S (TTM)
0.94
P/FCF (TTM)
17.69
Rev YoY
+4.0%
EPS YoY
-1043.9%
Gross Margin
-
Op Margin
+11.6%
Net Debt
$63.84M
Current Ratio
0.25
As of 2026-10-29 • Updated nightlySource: Internal modelMethods & Data