ASRV · NASDAQ · Banks - Regional

AmeriServ Financial (ASRV)

Serves southwestern Pennsylvania and Hagerstown through community banking and wealth management.

$4.92
At close−0.04 (−0.81%)
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AmeriServ Financial, Inc.ASRVFinancials

Provides consumer, mortgage and commercial banking alongside wealth management through AmeriServ Financial Bank. Its operating footprint is concentrated in southwestern Pennsylvania, with a presence in Hagerstown, Maryland.

Provides consumer, mortgage and commercial banking through AmeriServ Financial Bank, alongside wealth management. The branch network is concentrated in southwestern Pennsylvania, while Hagerstown, Maryland extends the operating footprint beyond the state.

Built around a regional community-bank model, the organization combines traditional banking relationships with advisory and trust-related capabilities. Those capabilities serve consumer and commercial customers through the same local operating network. Its wealth activity is run within the bank as AmeriServ Wealth & Capital Management after the separate trust subsidiary was merged into the bank. The change placed banking and wealth management in the same operating entity.

Company facts

CEOJeffrey A. Stopko
ListedJan 30, 1985
ExchangeNASDAQ
HeadquartersJohnstown, PA
CountryUnited States
Employees299
CIK0000707605
ISINUS03074A1025

Market cap$81.9M
EPS (ttm)$0.5071
P/E (ttm)9.52
ROE7.1%
P/B0.6657
P/S0.9150
Dividend yieldDiv yield2.48%
Beta0.21vs XLF 0.38

No analyst consensus on record.

Next report
Oct 20, 2026
estimated · in 47 days
EPS estimate
Revenue estimate
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Jan '25Apr '25Jul '25Jan '26Jan '26Apr '26Jul '26Oct '26
Reported$0.05$0.12−$0.02$0.09$0.09$0.11$0.16Pending
Estimate
Surprise

RevenueReportedEstimate

Jan '25Apr '25Jul '25Jan '26Jan '26Apr '26Jul '26Oct '26
Reported$14.0M$21.1M$21.8M$22.9M$22.5M$21.5M$22.7MPending
Estimate
Surprise
Estimate
ReportedDue Oct 20, 2026
Estimate
ReportedDue Oct 20, 2026
View details

Debt to equity54.20%
Current ratio531.10%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$20.9M$21.5M$21.1M$21.8M$22.9M$22.5M$21.5M$22.7M
Net income$1.2M$889.0K$1.9M−$282.0K$2.5M$1.4M$1.8M$2.7M
Net margin5.7%4.1%9.0%0.0%11.1%6.4%8.4%12.1%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$1.4M$1.1M$2.4M−$352.0K$3.1M$1.7M$2.2M$3.4M
YoY growth+84.2%−0.0%+117.2%+55.9%−7.0%

Balance sheet, Jun 30, 2026Cash & short-term investments $13.9M · Total debt $66.7M · Total assets $1.46B · Shareholders' equity $123.1M

Revenue
$22.7M
Operating income
$3.4M
Net income
$2.7M
View details

Next ex-date
Nov 3, 2026
estimated · in 61 days
Annual dividend
$0.12
per share
Dividend yield
2.48%
Schedule
Quarterly
4 payments a year

Raised for 12 straight years — most recently to $0.03 from $0.025 in May 2022. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Aug 3, 2026Aug 3Aug 17$0.03
May 4, 2026May 4May 18$0.03
Feb 2, 2026Feb 2Feb 17$0.03
Nov 3, 2025Nov 3Nov 17$0.03
Aug 4, 2025Aug 4Aug 18$0.03
May 5, 2025May 5May 19$0.03
Feb 3, 2025Feb 3Feb 18$0.03
Nov 4, 2024Nov 4Nov 18$0.03
View details

Institutions36 holders · as of Mar 31, 202639.25%6.66M shares
Insiders13 holders · as of Aug 24, 202613.70%2.32M shares
Otherremainder47.05%7.98M shares

16.96M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
SB Value Partners, L.P.Institution
9.70%1.65M13Dfiled Jan 8, 2026
Gendell Jeffrey LInstitution
9.64%1.64M13Fas of Mar 31, 2026
Dimensional Fund Advisors LPInstitution
6.80%1.15M13Fas of Mar 31, 2026
Baird Brent D.Insider
6.61%1.12M13Dfiled Jan 23, 2026
West Chester Capital Advisors, IncInstitution
5.24%889,09013Fas of Mar 31, 2026
See all 25

13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more

Insider tradesForm 4

DateInsiderRoleSharesAvg price
May 5, 2026Jeffrey A. Stopkoofficer: President & CEO ASRV & Bank+3,000$3.85
Sep 11, 2025Jeffrey A. Stopkoofficer: President & CEO ASRV & Bank+1,322$2.85
Sep 12, 2025Jeffrey A. Stopkoofficer: President & CEO ASRV & Bank+678$2.89
View details

Compare

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AmeriServ Financial$4.92−0.81%$81.9M9.50.9+4.0%
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