AMERISERV FINANCIAL INC /PA/
AMERISERV FINANCIAL INC /PA/
Insider Sentiment (TTM):
Last Purchase:2026-05-05Last Sale:-Shares Purchased (TTM):8,678Shares Sold (TTM):0
Institutional Sentiment:
As of:2026-03-31Institutional Shares Owned:1,135,602,112Shares Outstanding:16,927,456Institutional Ownership Pct.:N/A
Earnings Market Reaction:
Filing Date:2026-05-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 13 | 11 | 15 | 20 | 20 | 14 | 17 | 15 | 14 | 10 | 14 | 14 | |||||
Cash Cash Equivalents And Short Term Investments | - | - | - | - | - | - | - | - | - | 14 | 18 | 17 | |||||
Cash And Cash Equivalents At Carrying Value | 54 | 51 | 54 | 25 | 24 | 18 | 22 | 18 | 17 | 14 | 18 | 17 | |||||
Marketable Securities | |||||||||||||||||
Debt Securities Available For Sale Excluding Accru… | 185 | 176 | 170 | 170 | 164 | 156 | 165 | 164 | 165 | 166 | 169 | 170 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 78 | 72 | 67 | 68 | 67 | 64 | 65 | 66 | 65 | 64 | 60 | 62 | |||||
Trading Securities Debt | 7 | 7 | 4 | 4 | - | - | - | - | - | - | - | - | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 0 | 0 | - | 0 | - | 0 | 1 | 0 | 1 | 0 | - | 1 | |||||
Financing Receivable Excluding Accrued Interest Be… | 1,031 | 1,033 | 1,056 | 1,069 | 1,062 | 1,068 | 1,040 | 1,039 | 1,026 | 1,038 | 1,002 | 988 | |||||
Financing Receivable Allowance For Credit Loss Exc… | 13 | 13 | 14 | 14 | 14 | 14 | 14 | 15 | 15 | 15 | 12 | 12 | |||||
Financing Receivable Excluding Accrued Interest Af… | 1,018 | 1,020 | 1,041 | 1,055 | 1,049 | 1,054 | 1,025 | 1,024 | 1,011 | 1,023 | 990 | 975 | |||||
Property Plant And Equipm… | |||||||||||||||||
Operating Lease Right Of Use Asset | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | |||||
Finance Lease Right Of Use Asset | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 2 | |||||
Property Plant And Equipment Net | 14 | 14 | 14 | 14 | 14 | 14 | 15 | 14 | 14 | 14 | 14 | 14 | |||||
Interest Receivable | 6 | 6 | 6 | 6 | 6 | 5 | 6 | 6 | 6 | 6 | 6 | 5 | |||||
Intangible Assets | |||||||||||||||||
Goodwill | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | |||||
Finite Lived Intangible Assets Net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Bank Owned Life Insurance | 39 | 39 | 39 | 40 | 40 | 40 | 40 | 40 | 39 | 40 | 39 | 40 | |||||
Deferred Income Tax Assets Net | - | - | - | 0 | 1 | 1 | 1 | 2 | 2 | 3 | 5 | 4 | |||||
Federal Home Loan Bank Stock | 4 | 4 | 4 | 4 | 5 | 5 | 4 | 5 | 4 | 5 | 5 | 4 | |||||
Federal Reserve Bank Stock | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Other Real Estate And Foreclosed Assets | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2 | - | 0 | - | - | |||||
Other Assets | 48 | 45 | 42 | 43 | 43 | 43 | 39 | 41 | 39 | 37 | 37 | 34 | |||||
Assets | 1,473 | 1,454 | 1,461 | 1,449 | 1,432 | 1,422 | 1,405 | 1,403 | 1,385 | 1,390 | 1,362 | 1,346 | |||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 162 | 159 | 200 | 203 | 177 | 172 | 172 | 176 | 179 | 172 | 178 | 196 | |||||
Interest Bearing Deposit Liabilities | 1,108 | 1,089 | 1,059 | 1,042 | 1,040 | 1,029 | 1,018 | 994 | 998 | 986 | 951 | 931 | |||||
Deposits | 1,270 | 1,248 | 1,259 | 1,245 | 1,217 | 1,201 | 1,189 | 1,170 | 1,177 | 1,158 | 1,129 | 1,128 | |||||
Short Term Borrowings | - | - | - | 3 | 10 | 15 | 12 | 35 | 11 | 41 | 63 | 57 | |||||
Federal Home Loan Bank Advances Long Term | 41 | 45 | 48 | 49 | 53 | 56 | 55 | 51 | 49 | 45 | 22 | 16 | |||||
Operating Lease Liability | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | |||||
Finance Lease Liability | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Subordinated Debt | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | |||||
Deferred Income Tax Liabilities Net | 2 | 2 | 0 | - | - | - | - | - | - | - | - | - | |||||
Other Liabilities | 9 | 9 | 9 | 11 | 10 | 12 | 10 | 13 | 12 | 13 | 16 | 12 | |||||
Liabilities | 1,352 | 1,335 | 1,347 | 1,338 | 1,321 | 1,315 | 1,297 | 1,300 | 1,281 | 1,287 | 1,260 | 1,242 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Treasury Stock Common Value | -85 | -85 | -85 | -85 | -85 | -85 | -85 | -85 | -83 | -83 | -83 | -83 | |||||
Additional Paid In Capital Common Stock | 148 | 147 | 146 | 146 | 146 | 146 | 146 | 146 | 146 | 146 | 146 | 146 | |||||
Retained Earnings Accumulated Deficit | 65 | 64 | 63 | 61 | 62 | 60 | 60 | 59 | 60 | 59 | 65 | 65 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -8 | -7 | -10 | -12 | -13 | -15 | -14 | -18 | -20 | -20 | -27 | -24 | |||||
Stockholders Equity | 121 | 119 | 115 | 111 | 111 | 107 | 108 | 104 | 104 | 102 | 101 | 104 | |||||
Liabilities And Stockholders Equity | 1,473 | 1,454 | 1,461 | 1,449 | 1,432 | 1,422 | 1,405 | 1,403 | 1,385 | 1,390 | 1,362 | 1,346 | |||||
Debt Securities Available For Sale Amortized Cost … | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | |||||
Held To Maturity Securities Fair Value | 74 | 69 | 63 | 63 | 63 | 58 | 62 | 61 | 59 | 59 | 52 | 55 | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Financing Receivable Unamortized Loan Fee Cost | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | - | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | |||||
Common Stock Shares Issued | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | |||||
Shares Outstanding | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | |||||
Treasury Stock Common Shares | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.36% | 0.26% | - | - | - | - | - | - | - | - | - | - |
| 2025 | 19.12% | 22.31% | 16.73% | -2.05% | 0.00% | 4.10% | 2.59% | 6.15% | 6.80% | -1.33% | -2.19% | 0.23% |
| 2024 | -9.74% | -9.74% | -10.49% | 18.18% | 12.55% | 17.32% | 7.75% | -0.37% | 0.00% | -14.06% | -2.01% | 21.58% |
| 2023 | - | - | - | -6.77% | -18.46% | -21.54% | 14.02% | 22.73% | 19.70% | 1.11% | 4.60% | -6.61% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 1.23 | 1.23 | 1.21 | 1.15 | 1.15 | 1.14 | 0.90 | 0.87 | 0.87 | 0.84 | 1.16 | 1.32 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.32 | 0.34 | 0.31 | 0.22 | 0.22 | 0.21 | -0.16 | -0.18 | -0.17 | -0.20 | 0.17 | 0.26 | |||||
| Free Cash Flow Per Share TTM | 0.17 | 0.19 | 0.32 | 0.22 | 0.33 | 0.16 | 0.03 | 0.20 | 0.14 | 0.37 | 0.50 | 0.39 | |||||
| Dividend Per Share TTM | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -94.07% | -98.79% | -102.06% | -101.40% | -100.03% | -94.97% | -95.28% | -89.74% | -80.97% | -71.39% | -48.55% | -17.70% | |||||
| Operating Profit Margin TTM | 44.87% | 46.44% | 42.59% | 30.69% | 29.26% | 28.16% | -6.86% | -11.16% | -9.81% | -13.65% | 24.50% | 37.74% | |||||
| Net Profit Margin TTM | 37.21% | 38.35% | 34.79% | 25.05% | 23.98% | 23.05% | -16.81% | -20.48% | -19.63% | -23.09% | 20.55% | 30.94% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -1.72% | -6.32% | -6.31% | -3.85% | -0.22% | 7.78% | 9.17% | 8.52% | 5.26% | -1.66% | -5.48% | -7.81% | |||||
| Net Income Growth (1Y) | 52.51% | 55.85% | -293.91% | -217.58% | -221.91% | -207.62% | -189.29% | -171.85% | -145.18% | -144.92% | -65.02% | -43.02% | |||||
| EPS Growth (1Y) | 48.83% | 58.51% | -293.91% | -221.22% | -226.55% | -209.80% | -192.68% | -172.35% | -145.14% | -144.83% | -65.09% | -43.15% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 11.06 | 9.23 | 9.22 | 13.09 | 10.60 | 11.77 | -15.38 | -11.25 | -13.69 | -14.93 | 13.82 | 8.76 | |||||
| P/B TTM | 0.50 | 0.43 | 0.41 | 0.44 | 0.35 | 0.40 | 0.37 | 0.34 | 0.39 | 0.49 | 0.40 | 0.37 | |||||
| P/S TTM | 4.12 | 3.54 | 3.21 | 3.28 | 2.54 | 2.71 | 2.59 | 2.30 | 2.69 | 3.45 | 2.84 | 2.71 | |||||
| Market Cap | 60.81M | 51.82M | 46.65M | 48.40M | 38.21M | 42.39M | 40.14M | 35.38M | 40.48M | 49.95M | 40.39M | 38.36M | |||||
| Enterprise Value | 6.71M | 933.51K | -7.12M | 26.05M | 24.96M | 39.29M | 29.78M | 51.58M | 34.48M | 76.87M | 85.81M | 77.95M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 2.94M | 3.19M | 5.31M | 3.67M | 5.44M | 2.69M | 425.00K | 3.34M | 2.35M | 6.29M | 8.53M | 6.66M | |||||
| Net Debt | -54.10M | -50.89M | -53.76M | -22.35M | -13.26M | -3.10M | -10.36M | 16.20M | -6.00M | 26.92M | 45.42M | 39.59M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Average Equity | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
2026-05-05Purchase
Owner: Stopko, Jeffrey A
Title: President & CEO ASRV & Bank
Shares: 3,000
Price/Share: $3.85
Value: $11,550.00
Shares Owned: 169,379
Relationship: Officer
Ownership: Direct
2025-09-12Purchase
Owner: Stopko, Jeffrey A
Title: President & CEO ASRV & Bank
Shares: 678
Price/Share: $2.89
Value: $1,959.42
Shares Owned: 162,000
Relationship: Officer
Ownership: Direct
2025-08-28Purchase
Owner: Stopko, Jeffrey A
Title: President & CEO ASRV & Bank
Shares: 3,000
Price/Share: $3.04
Value: $9,120.00
Shares Owned: 160,000
Relationship: Officer
Ownership: Direct
2025-07-29Purchase
Owner: Lynch, Michael D
Title: EVP/CFO
Shares: 2,000
Price/Share: $2.87
Value: $5,740.00
Shares Owned: 17,832
Relationship: Officer
Ownership: Direct
2025-03-13Purchase
Owner: Stopko, Jeffrey A
Title: President & CEO ASRV & Bank
Shares: 3,000
Price/Share: $2.42
Value: $7,260.00
Shares Owned: 157,000
Relationship: Officer
Ownership: Direct
Subscribe to unlock 17+ years of financial data
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Institutional Ownership
No data available for chart
2026-03-31
-
Inst. Shares: 1,135,602,112
Shares Outstanding: 16,927,456
2025-12-31
39.69%
Inst. Shares: 6,557,367
Shares Outstanding: 16,519,809
2025-09-30
40.61%
Inst. Shares: 6,708,475
Shares Outstanding: 16,519,267
2025-06-30
40.52%
Inst. Shares: 6,692,792
Shares Outstanding: 16,519,000
2025-03-31
39.60%
Inst. Shares: 6,541,235
Shares Outstanding: 16,519,267
AMERISERV FINANCIAL INC /PA/ (ASRV) — SEC Financial Statements & Analysis
AMERISERV FINANCIAL INC /PA/ (ASRV) is a national commercial banks company, incorporated in PA. AMERISERV FINANCIAL INC /PA/ trades on Nasdaq as: ASRV. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), AMERISERV FINANCIAL INC /PA/ reported a -1.72% year-over-year revenue growth, a Gross Profit Margin of -94.07% (TTM), a Price-to-Sales (P/S) ratio of 4.12x (TTM), a Price-to-Book (P/B) ratio of 0.5 (TTM), at a market cap of $60.81M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -1.72%
- Gross Profit Margin TTM
- -94.07%
- P/S TTM
- 4.12x
- P/B TTM
- 0.5
- Market Cap
- $60.81M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is AMERISERV FINANCIAL INC /PA/ in?
AMERISERV FINANCIAL INC /PA/ (ASRV) operates in the National Commercial Banks industry.
What is ASRV's market cap?
AMERISERV FINANCIAL INC /PA/ (ASRV) has a market capitalization of $60.81M as of 2026-03-31.
What is ASRV's P/E ratio?
AMERISERV FINANCIAL INC /PA/ (ASRV)'s trailing twelve month P/E ratio is 11.06x as of 2026-03-31.
What exchange does ASRV trade on?
AMERISERV FINANCIAL INC /PA/ (ASRV) trades on the Nasdaq.
Where is AMERISERV FINANCIAL INC /PA/ incorporated?
AMERISERV FINANCIAL INC /PA/ is incorporated in PA.