Stock Fundamentals

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: 299
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

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
Ms. Laura L. Fiore CPA Senior VP & Chief Auditor 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

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Gendell Jeffrey L 1.64M Mar 31, 2026 9.64% $0.08 0.00%
Dimensional Fund Advisors, Inc. 1.15M Mar 31, 2026 6.80% $0.00 -0.25%
West Chester Capital Advisors Inc 889.09K Mar 31, 2026 5.24% $2.05 0.04%
Vanguard Group Inc 748.24K Dec 31, 2025 4.41% $0.00 -1.06%
Renaissance Technologies Corp 564.47K Mar 31, 2026 3.33% $0.00 -3.19%
Oppenheimer & Close Inc 352.58K Mar 31, 2026 2.08% $0.80 0.00%
EWA, LLC 245.61K Mar 31, 2026 1.45% $0.20 0.84%
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 Mar 31, 2026 0.56% $0.11 0.00%
Minerva Advisors LLC 58.20K Mar 31, 2026 0.34% $0.14 0.00%
John G Ullman & Associates Inc 45.99K Mar 31, 2026 0.27% $0.02 0.00%
Abacus Planning Group Inc 42.51K Mar 31, 2026 0.25% $0.02 0.00%
Northern Trust Corp 29.10K Mar 31, 2026 0.17% $0.00 0.00%
Acadian Asset Management LLC 22.76K Mar 31, 2026 0.13% $0.00 0.00%
Citadel Advisors Llc 22.36K Mar 31, 2026 0.13% $0.00 0.00%
State Street Corp 18.99K Mar 31, 2026 0.11% $0.00 0.00%

Shares Statistics

Shares Outstanding: 16.96M
Shares Float: 12.87M
% Insiders: 2,632.90%
% Institutions: 3,964.70%
Short % Float: 0.62%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 448.33K 2.64% ▲ 0.00% Apr 30, 2026
2 DFA US Small Cap Value I 324.79K 1.91% ▲ 0.00% Mar 31, 2026
3 DFA US Small Cap I 196.62K 1.16% ▲ 0.00% Mar 31, 2026
4 Vanguard Institutional Extnd Mkt Idx Tr 161.00K 0.95% ▲ 0.00% Apr 30, 2026
5 DFA US Targeted Value I 127.99K 0.75% ▲ 0.00% Mar 31, 2026
6 DFA US Micro Cap I 111.29K 0.66% ▲ 0.00% Mar 31, 2026
7 EA Bridgeway Omni Small-Cap Value ETF 103.26K 0.61% ▲ 0.00% Apr 30, 2026
8 Dimensional US Targeted Value ETF 93.75K 0.55% ▲ 0.00% Apr 30, 2026
9 Fidelity Extended Market Index 83.80K 0.49% ▼ 0.43% Mar 31, 2026
10 Bridgeway Omni Small-Cap Value N 77.90K 0.46% ▲ 0.00% Mar 31, 2026

Valuation Metrics

Enterprise Value: $124.13M
Trailing P/E: 11.36
Forward P/E: 12.25

Financial Highlights

Market Cap: $63.62M
P/E Ratio: $11.36
PEG Ratio: $0.95
Book Value: $7.12
Dividend/Share: $0.12
Dividend Yield: 3.18%
Earnings/Share: $0.33
Profit Margin: 9.90%
Operating Margin: 16.67%
ROA (TTM): 0.38%
ROE (TTM): 4.75%
Revenue (TTM): $55.56M
Revenue/Share (TTM): $3.34
Earnings Growth (YOY): -8.20%
Revenue Growth (YOY): 3.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.06x 0.75x 0.92x 0.23x 13.20x
2024-12-31 0.15x 0.91x 0.92x 0.14x 15.03x
2023-12-31 0.15x 1.10x 0.93x -0.18x -48.49x
2022-12-31 0.17x 1.09x 0.92x 1.08x 10.20x
2021-12-31 0.18x 0.79x 0.91x 1.16x 8.56x
2020-12-31 2.02x 1.06x 0.92x 0.55x 14.11x
2019-12-31 0.17x 0.43x 0.92x 0.53x 4.53x
2018-12-31 0.19x 1.10x 0.92x 0.81x 9.86x
2017-12-31 0.17x 1.22x 0.92x 0.99x 11.18x
2016-12-31 0.17x 0.82x 0.92x 0.41x 15.70x
2015-12-31 0.18x 0.58x 0.90x 1.28x 6.82x
2014-12-31 0.18x 0.79x 0.89x 0.72x 13.93x
2013-12-31 0.20x 0.70x 0.89x 1.15x 8.69x
2012-12-31 0.21x 0.38x 0.89x 0.94x 4.74x
2011-12-31 0.27x 0.26x 0.89x 0.97x 2.65x
2010-12-31 0.03x 0.26x 0.89x 0.11x 9.58x
2009-12-31 0.04x 0.40x 0.89x -0.53x -6.83x
2008-12-31 0.03x 1.27x 0.88x 0.37x 16.14x
2007-12-31 0.04x 1.16x 0.90x 0.16x 16.96x
2006-12-31 0.04x 0.76x 0.91x 0.12x 11.60x
2005-12-31 0.03x 0.91x 0.90x -0.69x -6.96x
2004-12-31 0.03x 3.16x 0.92x -0.54x -28.64x
2003-12-31 0.04x 5.46x 0.94x 0.01x 52.28x
2002-12-31 0.04x 4.65x 0.93x -0.22x -265.72x
2001-12-31 0.03x 8.80x 0.93x 0.04x 65.54x
2000-12-31 0.03x 9.47x 0.94x 0.00x 97.49x
1999-12-31 0.05x 1.04x 0.95x 0.27x 3.28x
1998-12-31 0.03x 3.19x 0.94x 0.31x 12.05x
1997-12-31 0.03x 4.94x 0.93x 0.37x 19.73x
1996-12-31 0.05x 1.03x 0.93x 0.36x 4.64x
1995-12-31 0.06x 0.63x 0.92x 0.30x 3.52x
1994-12-31 0.05x 1.59x 0.92x 0.37x 9.89x
1993-12-31 0.06x 0.11x 0.91x 0.45x 0.63x
1992-12-31 0.09x 0.27x 0.93x 0.37x 1.27x
1991-12-31 0.06x 0.31x 0.91x 0.27x 1.92x
1990-12-31 0.10x 0.31x 0.92x 0.23x 1.87x
1989-12-31 0.12x 0.30x 0.92x 0.17x 1.98x
1988-12-31 N/A N/A N/A 2.00x 0.00x
1987-12-31 N/A N/A N/A -2.00x 0.00x
1986-12-31 N/A N/A N/A 2.00x 0.00x
1985-12-31 N/A N/A N/A 2.00x 0.00x

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