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Zacks Company Profile for AmeriServ Financial Inc. (ASRV : NSDQ)

• Company Description    Ameriserv Financial Inc., a financial holding company, is the parent of Ameriserv Financial and AmeriServ Trust & Financial Services in Johnstown, Standard Mortgage Corporation in Atlanta, AmeriServ Associates of State College, and AmeriServ Life Insurance Company in Arizona. Number of Employees: 311

• Price / Volume Information    Yesterday's Closing Price: $3.93 Daily Weekly Monthly 20 Day Moving Average: 11,259 shares Shares Outstanding: 16.96 (millions) Market Capitalization: $66.67 (millions) Beta: 0.47 52 Week High: $4.04 52 Week Low: $2.48 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.00% -4.88% 12 Week 4.52% -3.38% Year To Date 23.20% 12.69%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL MAIN & FRANKLIN STREETS PO BOX 430 - JOHNSTOWN,PA 15907 USA ph: 814-533-5300 fax: 814-533-5427 mlynch@ameriserv.com http://www.ameriserv.com

• General Corporate Information    Officers Jeffrey A. Stopko - President and Chief Executive Officer J. Michael Adams, Jr. - Chairman and Director Kim W. Kunkle - Vice Chairman and Director Michael D. Lynch - Executive Vice President and Chief Financial Offic Richard W. Bloomingdale - Director Peer Information AmeriServ Financial Inc. (CNBKA) AmeriServ Financial Inc. (CNBI2) AmeriServ Financial Inc. (CNOB) AmeriServ Financial Inc. (FBNK.) AmeriServ Financial Inc. (FMBN) AmeriServ Financial Inc. (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 03074A102 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 03/01/26 Next Expected EPS Date: 07/28/26 Share - Related Items Shares Outstanding: 16.96 Most Recent Split Date: 8.00 (3.00:1) Beta: 0.47 Market Capitalization: $66.67 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.05% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.12 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.36 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 05/04/2026 - $0.03 Next EPS Report Date: 07/28/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 11.91 PEG Ratio: - Price Ratios Price/Book: 0.55 Price/Cash Flow: 8.80 Price / Sales: 0.75 EPS Growth vs. Year Ago Period: -8.33% vs. Previous Quarter: 22.22% Sales Growth vs. Year Ago Period: 1.54% vs. Previous Quarter: -4.71% ROE 03/31/26 - 4.72 12/31/25 - 4.93 09/30/25 - 4.56 ROA 03/31/26 - 0.38 12/31/25 - 0.39 09/30/25 - 0.35 Current Ratio 03/31/26 - 0.85 12/31/25 - 0.87 09/30/25 - 0.88 Quick Ratio 03/31/26 - 0.85 12/31/25 - 0.87 09/30/25 - 0.88 Operating Margin 03/31/26 - 6.20 12/31/25 - 6.35 09/30/25 - 5.79 Net Margin 03/31/26 - 6.20 12/31/25 - 6.35 09/30/25 - 5.79 Pre-Tax Margin 03/31/26 - 7.48 12/31/25 - 7.69 09/30/25 - 7.09 Book Value 03/31/26 - 7.12 12/31/25 - 7.22 09/30/25 - 6.94 Inventory Turnover 03/31/26 - 122.65 12/31/25 - 254.07 09/30/25 - 164.04 Debt-to-Equity 03/31/26 - 0.58 12/31/25 - 0.62 09/30/25 - 0.67 Debt-to-Capital 03/31/26 - 36.75 12/31/25 - 38.24 09/30/25 - 40.30

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