ASRV
AmeriServ Financial, Inc.
There isn't enough reported data to score ASRV yet.
MS
Morgan Stanley
MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
ASRV Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ASRV's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ASRV.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
ASRV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.6x | $4.39 | -7.2% |
| Current | 9.3x | $4.73 | — |
| Fair | 11x | $5.51 | +17% |
| Expensive | 14x | $6.89 | +46% |
Historical ranges are pointers, not guarantees.
ASRV has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
ASRV Forward outlook
There aren't enough analyst estimates for ASRV to show an outlook.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
ASRV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.51 | +132% |
| Q1 2026 | $0.33 | +50% |
| Q4 2025 | $0.34 | +62% |
| Q3 2025 | $0.30 | +$0.45 |
| Q2 2025 | $0.22 | +$0.40 |
| Q1 2025 | $0.22 | +$0.39 |
| Q4 2024 | $0.21 | +$0.40 |
| Q3 2024 | -$0.15 | -183% |
ASRV earned $0.51 per share over the past year, up 132% from the year before.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over ASRV on earnings, with more consistent year-over-year improvement.
ASRV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $22.7M | +4% |
| Q1 2026 | $21.5M | +1.5% |
| Q4 2025 | $15.3M | +9.4% |
| Q3 2025 | $22.9M | +9.4% |
| Q2 2025 | $21.8M | +4.3% |
| Q1 2025 | $21.1M | +54% |
| Q4 2024 | $14M | +23% |
| Q3 2024 | $20.9M | +60% |
ASRV's revenue has grown year over year for nine quarters in a row: $23M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 15% | +17 points |
| Q1 2026 | 10% | -0.9 points |
| Q4 2025 | 11% | +3.3 points |
| Q3 2025 | 13% | +6.7 points |
| Q2 2025 | -1.6% | +0.7 points |
| Q1 2025 | 11% | -6.1 points |
| Q4 2024 | 7.7% | +68 points |
| Q3 2024 | 6.8% | +0.9 points |
ASRV's operating margin was 15% last quarter, up 17 points from the same quarter a year ago.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over ASRV on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over ASRV on profitability, with a higher operating margin.
ASRV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$1.1M | -$1.1M |
| Q1 2026 | $356K | -41% |
| Q3 2025 | $1.4M | +$2.4M |
| Q2 2025 | -$62K | -105% |
| Q1 2025 | $599K | +$3.4M |
| Q4 2024 | $3.6M | +388% |
| Q3 2024 | -$1M | -145% |
| Q2 2024 | $1.2M | +159% |
ASRV has the stronger cash trend. Its trailing FCF is down 81% versus its history, compared with MS at down 492%.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
ASRV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +37.5K shares |
| 1 year | +2.7% | +447K shares |
| 3 years | -1.1% | -181K shares |
| 5 years | -1% | -165K shares |
| Available history | -2.3% | -394K shares |
ASRV has 17M diluted shares, up 2.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $151,000 |
| Q4 2019 | $384,000 |
| Q3 2019 | $1M |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over ASRV on shareholder dilution, with a more favorable share count trend.
ASRV Net Leverage
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
ASRV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.6 | Neutral |
| Stochastic | 55.0 | Neutral |
ASRV's weekly RSI is 58 (neutral) and its Stochastic is 55 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
ASRV PE vs Financial Services Sector
| Metric | ASRV | Sector median | Relative |
|---|---|---|---|
| PE | 9.3x | 13x | 29% below |
| PE % | 28 | 63 | 35 pts below |
ASRV has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
ASRV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.68 | 1.1% above |
| 20 week MA | $4.62 | 2.4% above |
| 50 week MA | $4.02 | 18% above |
| 100 week MA | $3.40 | 39% above |
| 200 week MA | $3.14 | 51% above |
ASRV has the edge over MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
ASRV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.24 | $3.30 | -22% |
| 2021 | $3.30 | $3.85 | +17% |
| 2022 | $3.85 | $3.99 | +3.6% |
| 2023 | $3.99 | $3.24 | -19% |
| 2024 | $3.24 | $2.58 | -20% |
| 2025 | $2.58 | $3.17 | +23% |
| 2026 YTD | $3.17 | $4.73 | +49% |
ASRV has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.