ASRV (AmeriServ Financial) Dividend Payout Ratio: 0.19 (As of Jun. 2026) — 42% Below Median

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ASRV AmeriServ Financial Inc ASRV
55 GF Score
Price $5.04
GF Value $3.30
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is AmeriServ Financial Dividend Payout Ratio?

AmeriServ Financial ASRV +1.30% 55 Dividend Payout Ratio is 0.19 as of Jun. 2026, which is 42% below its 10-year median of 0.33. GuruFocus rates ASRV with a GF Score™ of 55/100 and a GF Value™ of $3.30 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,172 Banks companies, AmeriServ Financial ranks better than 69.8% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. AmeriServ Financial's Dividend Payout Ratio for the months ended in Jun. 2026 was 0.19.

The historical rank and industry rank for AmeriServ Financial's Dividend Payout Ratio or its related term are showing as below:

ASRV' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.17   Med: 0.33   Max: 0.57
Current: 0.24

During the past 13 years, the highest Dividend Payout Ratio of AmeriServ Financial was 0.57. The lowest was 0.17. And the median was 0.33.

ASRV's Dividend Payout Ratio is ranked better than
69.8% of 1172 companies
in the Banks industry
Industry Median: 0.32 vs ASRV: 0.24

As of today (2026-09-07), the Dividend Yield % of AmeriServ Financial is 2.38%.

During the past 13 years, the highest Trailing Annual Dividend Yield of AmeriServ Financial was 5.61%. The lowest was 1.18%. And the median was 2.66%.

AmeriServ Financial's Dividends per Share for the months ended in Jun. 2026 was $0.03.

During the past 3 years, the average Dividends Per Share Growth Rate was 1.40% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 4.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 11.50% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of AmeriServ Financial was 79.00% per year. The lowest was -20.20% per year. And the median was 11.95% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

AmeriServ Financial (NAS:ASRV) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

AmeriServ Financial Dividend Payout Ratio Related Terms

AmeriServ Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for AmeriServ Financial's Dividend Payout Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

AmeriServ Financial Dividend Payout Ratio Chart

AmeriServ Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.21 0.00 0.57 0.35

AmeriServ Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.20 0.33 0.27 0.19

ASRV vs PBKX, FBSI, CYFL: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, AmeriServ Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

AmeriServ Financial Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, AmeriServ Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where AmeriServ Financial's Dividend Payout Ratio falls into.


ASRV
55GF Score
AmeriServ Financial Inc ASRV
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AmeriServ Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

AmeriServ Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.12/ 0.34
=0.35

AmeriServ Financial's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=0.03/ 0.16
=0.19

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.19 mean?
AmeriServ Financial (ASRV) has a Dividend Payout Ratio of 0.19 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on AmeriServ Financial and its competitors. This is 42% below median its historical median of 0.33. Over the past decade, AmeriServ Financial's Dividend Payout Ratio has ranged from 0.17 to 0.57. According to the industry distribution chart, AmeriServ Financial ranks #354 out of 1172 companies in the Banks industry, placing it in the top 30.2%.
Is AmeriServ Financial's Dividend Payout Ratio too high?
AmeriServ Financial's current Dividend Payout Ratio of 0.19 is 42% below median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.57. The Banks industry median Dividend Payout Ratio is 0.32. AmeriServ Financial's value of 0.19 is 40.6% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #354 out of 1172 companies in the Banks industry, which is above the industry midpoint. Overall, AmeriServ Financial has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AmeriServ Financial's Dividend Payout Ratio compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #354 out of 1172 companies for Dividend Payout Ratio. This puts AmeriServ Financial in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. AmeriServ Financial's value of 0.19 is 40.6% below this benchmark. Historically, AmeriServ Financial's own Dividend Payout Ratio has ranged from 0.17 to 0.57 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.32, AmeriServ Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Dividend Payout Ratio of 0.19 is 40.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Dividend Payout Ratio is 0.19, which is 42% below median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AmeriServ Financial stock overvalued right now?
Based on GuruFocus' analysis, AmeriServ Financial (ASRV) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.30, compared to a current price of $5.04 — trading 52.7% above its estimated fair value. The current Dividend Payout Ratio is 0.19, which is 42% below median its 10-year median of 0.33 and 40.6% below the Banks industry median of 0.32. AmeriServ Financial's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Dividend Payout Ratio is 0.19 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is AmeriServ Financial (ASRV) Overvalued in 2026?

Based on GuruFocus' analysis, AmeriServ Financial stock appears to be overvalued. The current stock price of $5.04 is trading 52.7% above its estimated GF Value™ of $3.30. GuruFocus considers AmeriServ Financial to be Significantly Overvalued.

Key valuation signals for ASRV:

  • Dividend Payout Ratio: 0.19 (42% below median its 10-year median of 0.33)
  • GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
  • GF Score™: 55/100 with 5 warning signs
  • Industry Position: 40.6% below the Banks median (#354 of 1172)

No single metric tells the full story. See the ASRV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

AmeriServ Financial Business Description

Address Main and Franklin Streets, P.O. Box 430, Johnstown, PA, USA, 15907-0430
AmeriServ Financial Inc is a bank holding company. The company and its subsidiaries derive substantially all of their income from banking, bank-related services, and trust-related services. Its operating segment includes community banking and it generates maximum revenue. The community banking segment includes both retail and commercial banking activities. The company also offers retail banking which includes the deposit-gathering branch franchise and lending to both individuals and small businesses; Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans; Commercial banking to businesses includes commercial loans, business services, and CRE loans.
55GF Score

Get the complete analysis for ASRV

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.04
Price
$3.30
GF Value