ASRV

AmeriServ Financial Inc

ASRV.US ameriserv.com
4.82
-0.07 (-1.43%)
USD · NASDAQ
52-week range
2.74
5.38
Trading at 79% of the 52-week range
Market Cap
83.03M
P/E Ratio
9.59
Forward P/E
12.25
Book Value
7.26
Div. Yield
2.42%
% Institutions
39.62%
% Insiders
26.67%

1 Year

+77.4%

3 Year

+87.7%

10 Year

+97.5%
Description

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.

Company Information

Company Name
AmeriServ Financial Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US03074A1025
CIK: 0000707605
CUSIP: 917292104
Currency: USD
Full Time Employees: 297
Phone: 814 533 5300
Fiscal Year End: December
IPO Date: Mar 27, 1990
Description:

AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. It also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers wealth management, including personal trust products and services comprising personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and life insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. AmeriServ Financial, Inc. was founded in 1983 and is based in Johnstown, Pennsylvania.

Address:

Main and Franklin Street, Johnstown, PA, United States, 15907-0430

People

Directors & Officers

Name Title Year Born
Mr. Jeffrey A. Stopko CPA President, CEO & Director 1963
Mr. David A. Finui President of AmeriServ Wealth & Capital Management 1954
Jessica L. Johnson Senior VP & Chief Accounting Officer NA
Ms. Tammie Slavick Senior VP & CIO NA
Ms. Susan Tomera Angeletti Senior VP and Director of Corporate Marketing & Alternative Delivery Systems NA
Ms. Michele M. Scanlan Senior VP & Chief Human Resources Officer NA
Mr. Michael R. Baylor Executive VP & Chief Lending Officer 1963
Ms. Bettina D. Fochler Senior VP, Chief Credit Officer & CRO NA
Kathleen M. Wallace CPA Senior VP & Retirement Services Manager NA
Mr. Matthew C. Rigo Senior VP & Area Executive of Wilkins Twp. NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Sep 12, 2025 Jeffrey A Stopko N/A Purchase 678.00 $2.89 $1.96K
Sep 11, 2025 Jeffrey A Stopko N/A Purchase 1.32K $2.85 $3.77K
Aug 28, 2025 Jeffrey A Stopko N/A Purchase 3.00K $3.04 $9.12K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Gendell Jeffrey L 1.64M Mar 31, 2026 9.63% $0.08 0.00%
Dimensional Fund Advisors, Inc. 1.16M Jun 30, 2026 6.80% $0.00 0.15%
West Chester Capital Advisors Inc 889.46K Jun 30, 2026 5.24% $2.30 0.04%
Vanguard Capital Management, LLC 658.40K Mar 31, 2026 3.88% $0.00 0.00%
Renaissance Technologies Corp 564.47K Mar 31, 2026 3.32% $0.00 -3.19%
Oppenheimer & Close Inc 364.42K Jun 30, 2026 2.15% $0.89 3.36%
EWA, LLC 247.49K Jun 30, 2026 1.46% $0.18 0.76%
Bridgeway Capital Management, LLC 206.63K Mar 31, 2026 1.22% $0.02 0.00%
Geode Capital Management, LLC 144.39K Mar 31, 2026 0.85% $0.00 1.12%
BlackRock Inc 140.26K Mar 31, 2026 0.83% $0.00 2.69%
Empowered Funds, LLC 103.26K Mar 31, 2026 0.61% $0.00 0.00%
Lesa Sroufe & Company Inc 100.00K Mar 31, 2026 0.59% $0.25 0.00%
Argyle Capital Management Inc. 94.87K Jun 30, 2026 0.56% $0.11 0.00%
Vanguard Fiduciary Trust Co 83.16K Mar 31, 2026 0.49% $0.00 0.00%
Minerva Advisors LLC 58.20K Jun 30, 2026 0.34% $0.14 0.00%
John G Ullman & Associates Inc 44.59K Jun 30, 2026 0.26% $0.02 -3.04%
Abacus Planning Group Inc 42.51K Jun 30, 2026 0.25% $0.02 0.00%
Northern Trust Corp 29.10K Mar 31, 2026 0.17% $0.00 0.00%
Citadel Advisors Llc 25.88K Jun 30, 2026 0.15% $0.00 15.73%
Acadian Asset Management LLC 22.76K Mar 31, 2026 0.13% $0.00 0.00%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 448.33K 2.64% ▲ 0.00% Jul 31, 2026
2 DFA US Small Cap Value I 324.79K 1.91% ▲ 0.00% Jul 31, 2026
3 DFA US Small Cap I 196.62K 1.16% ▲ 0.00% Jul 31, 2026
4 Vanguard Institutional Extnd Mkt Idx Tr 163.19K 0.96% ▲ 0.00% Jul 31, 2026
5 DFA US Targeted Value I 127.99K 0.75% ▲ 0.00% Jul 31, 2026
6 DFA US Micro Cap I 111.29K 0.66% ▲ 0.00% Jul 31, 2026
7 EA Bridgeway Omni Small-Cap Value ETF 103.26K 0.61% ▲ 0.00% Aug 31, 2026
8 Dimensional US Targeted Value ETF 93.75K 0.55% ▲ 0.00% Aug 31, 2026
9 Fidelity Extended Market Index 81.17K 0.48% ▼ 0.19% Jul 31, 2026
10 Bridgeway Omni Small-Cap Value N 77.90K 0.46% ▲ 0.00% Jun 30, 2026

Financial Highlights

Market Cap: $83.03M
P/E Ratio: $9.59
PEG Ratio: $0.95
Book Value: $7.26
Dividend/Share: $0.12
Dividend Yield: 2.42%
Earnings/Share: $0.51
Profit Margin: 14.10%
Operating Margin: 22.20%
ROA (TTM): 0.59%
ROE (TTM): 7.28%
Revenue (TTM): $60.40M
Revenue/Share (TTM): $3.61
Earnings Growth (YOY): -8.20%
Revenue Growth (YOY): 42.60%

Valuation Metrics

Enterprise Value: $113.15M
Trailing P/E: 9.59
Forward P/E: 12.25

Shares Statistics

Shares Outstanding: 16.98M
Shares Float: 12.83M
% Insiders: 26.67%
% Institutions: 39.62%
Short % Float: 1.19%

Stock Price History

1 Year Price History

3 Years Price History

10 Years Price History

Financial Charts

Revenue, Net Income & Operating Cash Flow (Yearly)

Revenue, Net Income & Operating Cash Flow (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$88.34M
Cost of Goods Sold
adjust
$-33.21M
Gross Profit
subtotal
$55.13M
SG&A
adjust
$-33.48M
Other Operating Expense
adjust
$-14.85M
Operating Income
subtotal
$6.80M
Other / Non-Operating Items
adjust
$-1.18M
Net Income
subtotal
$5.61M

Earnings Per Share (EPS) History

Financial Ratios

📦 Raw API Data (JSON Explorer)

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