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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: 313

• Price / Volume Information    Yesterday's Closing Price: $2.85 Daily Weekly Monthly 20 Day Moving Average: 7,294 shares Shares Outstanding: 16.52 (millions) Market Capitalization: $47.08 (millions) Beta: 0.56 52 Week High: $3.42 52 Week Low: $2.03 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -3.06% -4.81% 12 Week -2.40% -11.39% Year To Date 6.34% -5.05%

• 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: 06/01/25 Next Expected EPS Date: 10/28/25 Share - Related Items Shares Outstanding: 16.52 Most Recent Split Date: 8.00 (3.00:1) Beta: 0.56 Market Capitalization: $47.08 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 4.21% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.12 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.55 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.18 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 08/04/2025 - $0.03 Next EPS Report Date: 10/28/25

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 12.95 PEG Ratio: - Price Ratios Price/Book: 0.42 Price/Cash Flow: 8.38 Price / Sales: 0.55 EPS Growth vs. Year Ago Period: 0.00% vs. Previous Quarter: -116.67% Sales Growth vs. Year Ago Period: 4.32% vs. Previous Quarter: 3.04% ROE 06/30/25 - 3.38 03/31/25 - 3.35 12/31/24 - 3.40 ROA 06/30/25 - 0.26 03/31/25 - 0.25 12/31/24 - 0.26 Current Ratio 06/30/25 - 0.87 03/31/25 - 0.88 12/31/24 - 0.89 Quick Ratio 06/30/25 - 0.87 03/31/25 - 0.88 12/31/24 - 0.89 Operating Margin 06/30/25 - 4.33 03/31/25 - 4.27 12/31/24 - 4.26 Net Margin 06/30/25 - 4.33 03/31/25 - 4.27 12/31/24 - 4.26 Pre-Tax Margin 06/30/25 - 5.31 03/31/25 - 5.21 12/31/24 - 5.21 Book Value 06/30/25 - 6.71 03/31/25 - 6.70 12/31/24 - 6.49 Inventory Turnover 06/30/25 - 72.39 03/31/25 - 69.14 12/31/24 - 43.01 Debt-to-Equity 06/30/25 - 0.71 03/31/25 - 0.74 12/31/24 - 0.80 Debt-to-Capital 06/30/25 - 41.37 03/31/25 - 42.58 12/31/24 - 44.35

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