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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: $3.51 Daily Weekly Monthly 20 Day Moving Average: 24,168 shares Shares Outstanding: 16.52 (millions) Market Capitalization: $57.99 (millions) Beta: 0.48 52 Week High: $3.88 52 Week Low: $2.03 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 9.01% 10.66% 12 Week 12.86% 9.01% Year To Date 10.03% 10.18%

• 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: 12/01/25 Next Expected EPS Date: 04/28/26 Share - Related Items Shares Outstanding: 16.52 Most Recent Split Date: 8.00 (3.00:1) Beta: 0.48 Market Capitalization: $57.99 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.42% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.12 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.35 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.01 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 02/02/2026 - $0.03 Next EPS Report Date: 04/28/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 10.32 PEG Ratio: - Price Ratios Price/Book: 0.51 Price/Cash Flow: 10.32 Price / Sales: 0.66 EPS Growth vs. Year Ago Period: 80.00% vs. Previous Quarter: -40.00% Sales Growth vs. Year Ago Period: 4.72% vs. Previous Quarter: -1.54% ROE 12/31/25 - 5.01 09/30/25 - 4.56 06/30/25 - 3.38 ROA 12/31/25 - 0.39 09/30/25 - 0.35 06/30/25 - 0.26 Current Ratio 12/31/25 - - 09/30/25 - 0.88 06/30/25 - 0.87 Quick Ratio 12/31/25 - - 09/30/25 - 0.88 06/30/25 - 0.87 Operating Margin 12/31/25 - 6.35 09/30/25 - 5.79 06/30/25 - 4.33 Net Margin 12/31/25 - 6.35 09/30/25 - 5.79 06/30/25 - 4.33 Pre-Tax Margin 12/31/25 - - 09/30/25 - 7.09 06/30/25 - 5.31 Book Value 12/31/25 - - 09/30/25 - 6.94 06/30/25 - 6.71 Inventory Turnover 12/31/25 - - 09/30/25 - 164.04 06/30/25 - 72.39 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.67 06/30/25 - 0.71 Debt-to-Capital 12/31/25 - - 09/30/25 - 40.30 06/30/25 - 41.37

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