ASRV AmeriServ Financial Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 14, 2026
$4.65
· of 52w range
· above low
· to high
$2.8652w low
$5.3852w high
Market Cap (MRQ)
$79M
P/E (TTM)
9.1
EPS (TTM)
$0.51
Revenue (TTM)
$15M
your badges
52W Range
$3–$5
Analyst Rating
·
Price Target
·
P/E
9.1
ROE
7.3%
Net Profit Margin
56.6%
Your badge strip is empty — pin a metric anywhere on this page.
ASRV Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$4.64
Market Cap (MRQ)
$79M
P/E (TTM)
9.1
EPS (TTM)
$0.51
Revenue (TTM)
$15M
Div Yield
2.6%
ROE (TTM)
7.3%
52W Range
$3–$5
ASRV Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Aug. 3, 1998 | 3-for-1 | Forward |
About AmeriServ Financial Inc. - Common Stock Company overview from Wikipedia
AmeriServ Financial, Inc. is a bank holding company based in Johnstown, Pennsylvania. It operates AmeriServ Financial Bank, AmeriServ Trust and Financial Services Company, and AmeriServ Life Insurance Company. The bank operates 16 automated teller machines.
Since 1996, the company has been the main sponsor of the Flood City Music Festival in Johnstown, Pennsylvania.
## History
In January 1983, USBANCORP, INC. was formed as a bank holding company.
In October 1987, AmeriServ Life Insurance Company was formed.
In October 1992, AmeriServ Trust and Financial Services Company was formed.
In May 2001, the company changed its name to AmeriServ Financial, Inc.
In March 2007, the company acquired West Chester Capital Advisors.
In 2009, the company sold its corporate trust bond administration business to U.S. Bancorp.
In August 2011, the company received $21 million from the Small Business Lending Fund, which it used to repay the $21 million investment it received from the United States Department of the Treasury as part of the Troubled Asset Relief Program.
In March 2015, Jeffrey A. Stopko was promoted to chief executive officer of the company.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancials
industryBanking
employees297
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$15M2018-12-31 → 2025-12-31
EPS$0.342016-12-31 → 2025-12-31
Net margin56.6%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | ASRV | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 9.15Y avg ≈4.9 | ≈4.9 | 10.9 | Undervalued | |
| P/S (TTM) | 5.25Y avg ≈3.9 | ≈3.9 | 4.5 | Undervalued | |
| P/B (MRQ) | 0.65Y avg ≈0.5 | ≈0.5 | 0.9 | Undervalued | |
| Price / Cash Flow | 24.15Y avg ≈12.3 | ≈12.3 | 10.8 | Overvalued | |
| Price / Tangible Book (MRQ) | 0.65Y avg ≈0.6 | ≈0.6 | · | · | |
| PEG Ratio | ≈1.9 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | ASRV | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 11.6%5Y avg ≈11.4% | ≈11.4% | · | · | |
| Pretax Margin (TTM) | 69.0%5Y avg ≈33.1% | ≈33.1% | 47.3% | Top tier | |
| Net Profit Margin (TTM) | 56.6%5Y avg ≈27.2% | ≈27.2% | 34.6% | Top tier | |
| ROA (TTM) | 0.59%5Y avg ≈0.30% | ≈0.30% | 0.98% | Weak | |
| ROE (TTM) | 7.3%5Y avg ≈3.6% | ≈3.6% | 7.1% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | ASRV | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -6.3%5Y avg ≈3.0% | ≈3.0% | · | · | |
| Revenue CAGR 3Y | -0.23%5Y avg ≈1.8% | ≈1.8% | · | · | |
| Revenue CAGR 5Y | 2.7% | · | · | · | |
| EPS YoY | 61.9%5Y avg ≈39.5% | ≈39.5% | · | · | |
| Net Income YoY | 55.9%5Y avg ≈38.3% | ≈38.3% | · | · | |
| EPS CAGR 3Y | -7.5% | · | · | · | |
| EPS CAGR 5Y | 4.7% | · | · | · | |
| Net Income CAGR 3Y | -9.0% | · | · | · | |
| Net Income CAGR 5Y | 4.1% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | ASRV | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line | |
| Revenue / Employee | ≈$49.3K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.6%
Payout Ratio35.3%
Annualized Payout≈$0.12
5Y Div CAGR≈3.7%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 3, 2026 | $0.03 | USD | ≈2.6% |
| May 4, 2026 | $0.03 | USD | ≈3.1% |
| Feb 2, 2026 | $0.03 | USD | ≈3.6% |
| Nov 3, 2025 | $0.03 | USD | ≈3.9% |
| Aug 4, 2025 | $0.03 | USD | ≈4.1% |
| May 5, 2025 | $0.03 | USD | ≈4.9% |
| Feb 3, 2025 | $0.03 | USD | ≈4.5% |
| Nov 4, 2024 | $0.03 | USD | ≈4.4% |
| Aug 5, 2024 | $0.03 | USD | ≈5.2% |
| May 3, 2024 | $0.03 | USD | ≈5.0% |
| Feb 2, 2024 | $0.03 | USD | ≈3.8% |
| Nov 3, 2023 | $0.03 | USD | ≈4.6% |
| Aug 4, 2023 | $0.03 | USD | ≈3.7% |
| May 5, 2023 | $0.03 | USD | ≈4.2% |
| Feb 3, 2023 | $0.03 | USD | ≈3.0% |
| Nov 4, 2022 | $0.03 | USD | ≈2.9% |
| Aug 5, 2022 | $0.03 | USD | ≈2.8% |
| May 6, 2022 | $0.03 | USD | ≈2.6% |
| Feb 4, 2022 | $0.03 | USD | ≈2.3% |
| Nov 5, 2021 | $0.03 | USD | ≈2.6% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 19, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $0.16 | — | — |
| March 31, 2026 | $0.11 | — | — | |
| June 30, 2025 | $-0.02 | — | — | |
| March 31, 2025 | $0.12 | — | — | |
| June 30, 2024 | $-0.02 | — | — | |
| March 31, 2024 | $0.11 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $15M | $16M | $14M | $15M | $15M | $13M | $13M | $13M | |
| Interest Expense | $29M | $30M | $25M | $8M | $8M | $11M | $14M | $12M | |
| Interest Income | $71M | $67M | $61M | $49M | $47M | $47M | $50M | $47M | |
| Pretax Income | $7M | $4M | $-4M | $9M | $9M | $6M | $8M | $9M | |
| Income Tax | $1M | $798.0K | $-1M | $2M | $2M | $1M | $2M | $2M | |
| Net Income | $6M | $4M | $-3M | $7M | $7M | $5M | $6M | $8M | |
| EPS (Basic) | $0.34 | $0.21 | $-0.20 | $0.44 | $0.41 | $0.27 | $0.35 | $0.43 | |
| EPS (Diluted) | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 | |
| Shares (Basic) | 16,520,000 | 16,802,000 | 17,143,000 | 17,107,000 | 17,073,000 | 17,053,000 | 17,359,000 | 17,933,000 | |
| Shares (Diluted) | 16,530,000 | 16,802,000 | 17,144,000 | 17,146,000 | 17,114,000 | 17,063,000 | 17,440,000 | 18,037,000 | |
| EBITDA | $2M | $2M | $2M | $2M | $2M | $2M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | $14M | $23M | $41M | $32M | $22M | $35M | |
| PP&E (Net) | $14M | $14M | $14M | $14M | $14M | $14M | $15M | $13M | |
| PP&E (Gross) | $39M | $40M | $41M | $41M | $40M | $39M | $39M | $38M | |
| Accum. Depreciation | $25M | $26M | $27M | $26M | $26M | $25M | $24M | $25M | |
| Goodwill | $14M | $14M | $14M | $14M | $14M | $12M | $12M | $12M | |
| Intangibles | $56.0K | $77.0K | $101.0K | $128.0K | · | · | · | · | |
| Total Assets | $1.45B | $1.42B | $1.39B | $1.36B | $1.34B | $1.28B | $1.17B | $1.16B | |
| Short-term Debt | · | $15M | $41M | $89M | $0 | $25M | $22M | $41M | |
| Deferred Tax | $2M | · | · | · | $934.0K | $3M | $640.0K | $200.0K | |
| Total Liabilities | $1.33B | $1.32B | $1.29B | $1.26B | $1.22B | $1.18B | $1.07B | $1.06B | |
| Total Debt | · | $15M | $41M | $89M | · | $25M | $22M | $41M | |
| Common Stock | $270.0K | $268.0K | $268.0K | $267.0K | $267.0K | $267.0K | $267.0K | $266.0K | |
| Retained Earnings | $64M | $60M | $59M | $65M | $60M | $55M | $52M | $47M | |
| Treasury Stock | $85M | $85M | $83M | $83M | $83M | $83M | $83M | $81M | |
| AOCI | $-7M | $-15M | $-20M | $-23M | $-7M | $-13M | $-16M | $-14M | |
| Stockholders' Equity | $119M | $107M | $102M | $106M | $117M | $104M | $99M | $98M | |
| Liabilities + Equity | $1.45B | $1.42B | $1.39B | $1.36B | $1.34B | $1.28B | $1.17B | $1.16B | |
| Shares Outstanding | 16,522,267 | 16,519,267 | 17,147,270 | 17,117,617 | 17,081,500 | 17,060,144 | 17,057,871 | 17,619,303 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | · | $8.0K | $45.0K | $50.0K | $43.0K | $3.0K | $7.0K | $14.0K | |
| Deferred Tax | $992.0K | $-34.0K | $-565.0K | $533.0K | $729.0K | $2M | $179.0K | $3M | |
| Amort. of Intangibles | $21.0K | $24.0K | $27.0K | $30.0K | $19.0K | · | · | · | |
| Other Non-cash | $-5M | $-3M | $8M | $-5M | $395.0K | $-9M | · | · | |
| Operating Cash Flow | $3M | $3M | $6M | $5M | $10M | $-1M | $5M | $8M | |
| Investing Cash Flow | $11M | $-23M | $-40M | $-56M | $-488.0K | $-95M | $-13M | $3M | |
| Stock Repurchased | · | $2M | · | · | · | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | |
| Financing Cash Flow | $19M | $24M | $25M | $33M | $146.0K | $106M | $-5M | $-10M | |
| Net Change in Cash | · | · | · | · | · | · | · | $706.0K |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 38.4% | 23.1% | -23.1% | 50.5% | 47.2% | 35.9% | 12.0% | 15.6% | |
| Pretax Margin | 46.4% | 28.2% | -30.3% | 62.4% | 58.6% | 45.3% | 15.1% | 18.9% | |
| EBITDA Margin | 11.6% | 10.9% | 11.7% | 11.5% | 11.4% | 12.5% | · | · | |
| ROA | 0.39% | 0.26% | -0.24% | 0.55% | 0.54% | 0.38% | 0.52% | 0.67% | |
| ROE | 4.9% | 3.3% | -3.3% | 7.2% | 6.1% | 4.4% | 6.0% | 8.0% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | 0.1 | 0.4 | 0.8 | · | 0.2 | 0.2 | 0.4 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $7.22 | $6.49 | $5.96 | $6.20 | $6.82 | $6.12 | $5.78 | $5.56 | |
| Revenue / Share | $0.89 | $0.93 | $0.85 | $0.86 | $0.87 | $0.75 | $2.88 | $2.76 | |
| Cash Flow / Share | $0.19 | $0.16 | $0.37 | $0.30 | $0.58 | $-0.08 | $0.28 | $0.44 | |
| Cash / Share | · | · | $0.82 | $1.34 | $2.41 | $1.85 | $1.30 | $1.98 | |
| Dividend / Share | $0.12 | $0.12 | $0.12 | $0.12 | $0.10 | $0.10 | $0.10 | $0.07 | |
| EPS (TTM) | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -6.3% | 7.8% | -1.7% | -1.5% | 16.7% | · | · | · | |
| Revenue CAGR 3Y | -0.23% | 1.4% | 4.2% | · | · | · | · | · | |
| Revenue CAGR 5Y | 2.7% | · | · | · | · | · | · | · | |
| EPS YoY | 61.9% | · | · | 4.9% | 51.8% | · | · | · | |
| EPS CAGR 3Y | -7.5% | -20.0% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 4.7% | · | · | · | · | · | · | · | |
| Net Income YoY | 55.9% | · | · | 5.3% | 53.8% | · | · | · | |
| Net Income CAGR 3Y | -9.0% | -20.2% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 4.1% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 2.9% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $15M | $16M | $14M | $15M | $15M | $13M | $13M | $13M | |
| Net Income TTM | $6M | $4M | $-3M | $7M | $7M | $5M | $6M | $8M | |
| Market Cap | $53M | $44M | $56M | $67M | $66M | $53M | $72M | $71M | |
| Enterprise Value | · | · | $82M | $133M | · | $47M | $72M | $77M | |
| P/E | 9.4 | 12.8 | -16.2 | 9.2 | 9.4 | 11.6 | 12.0 | 9.4 | |
| P/S | 3.6 | 2.8 | 3.8 | 4.6 | 4.4 | 4.2 | 5.6 | 5.5 | |
| P/B | 0.4 | 0.4 | 0.5 | 0.6 | 0.6 | 0.5 | 0.7 | 0.7 | |
| P / Tangible Book | 0.5 | 0.5 | 0.6 | 0.7 | 0.6 | 0.6 | · | · | |
| P / Cash Flow | 16.5 | 16.5 | 8.8 | 12.9 | 6.6 | -38.9 | 14.7 | 8.9 | |
| EV / EBITDA | · | · | 48.5 | 78.3 | · | 29.1 | · | · | |
| EV / Revenue | · | · | 5.7 | 9.0 | · | 3.6 | 5.6 | 6.0 | |
| Dividend Yield | 3.8% | 4.6% | 3.7% | 2.9% | 2.6% | 3.2% | 2.3% | 1.9% | |
| Earnings Yield | 10.7% | 7.8% | -6.2% | 10.9% | 10.6% | 8.6% | 8.3% | 10.7% | |
| Payout Ratio | 35.3% | 56.1% | -61.5% | 26.4% | 24.1% | 37.3% | 27.2% | 17.3% | |
| Annual Payout | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4M | $4M | $4M | $4M | $4M | $3M | $4M | $4M | $4M | $4M | · | $4M | $4M | $3M | · | $4M | |
| Interest Expense | $7M | $7M | $7M | $7M | $7M | $7M | $8M | $8M | $8M | $7M | $7M | $7M | $6M | $5M | $4M | $2M | |
| Interest Income | $18M | $18M | $18M | $18M | $18M | $17M | $17M | $17M | $17M | $16M | $16M | $15M | $15M | $15M | $14M | $13M | |
| Pretax Income | $3M | $2M | $2M | $3M | $-352.0K | $2M | $1M | $1M | $-484.0K | $2M | $-7M | $771.0K | $-248.0K | $2M | $1M | $3M | |
| Income Tax | $661.0K | $426.0K | $236.0K | $540.0K | $-70.0K | $478.0K | $187.0K | $237.0K | $-109.0K | $483.0K | $-1M | $124.0K | $-61.0K | $372.0K | $126.0K | $526.0K | |
| Net Income | $3M | $2M | $1M | $3M | $-282.0K | $2M | $889.0K | $1M | $-375.0K | $2M | $-5M | $647.0K | $-187.0K | $2M | $947.0K | $2M | |
| EPS (Basic) | $0.16 | $0.11 | $0.09 | $0.15 | $-0.02 | $0.12 | $0.05 | $0.07 | $-0.02 | $0.11 | $-0.31 | $0.04 | $-0.01 | $0.09 | $0.06 | $0.12 | |
| EPS (Diluted) | $0.16 | $0.11 | $0.09 | $0.15 | $-0.02 | $0.12 | $0.05 | $0.07 | $-0.02 | $0.11 | $-0.31 | $0.04 | $-0.01 | $0.09 | $0.06 | $0.12 | |
| Shares (Basic) | 16,964,267 | 16,927,456 | · | 16,519,267 | 16,519,267 | 16,519,267 | · | 16,519,267 | 17,030,000 | 17,147,000 | · | 17,147,000 | 17,147,000 | 17,131,000 | · | 17,111,000 | |
| Shares (Diluted) | 16,965,554 | 16,928,095 | · | 16,519,368 | 16,519,267 | 16,519,267 | · | 16,519,267 | 17,030,000 | 17,147,000 | · | 17,147,000 | 17,147,000 | 17,155,000 | · | 17,145,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | · | · | · | · | $18M | $17M | $22M | · | $29M | |
| PP&E (Net) | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $15M | $14M | $14M | · | $14M | $14M | $14M | · | $14M | |
| PP&E (Gross) | · | · | $39M | · | · | · | $40M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $25M | · | · | · | $26M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | · | $14M | $14M | $14M | · | $14M | |
| Intangibles | $47.0K | $51.0K | $56.0K | $61.0K | $66.0K | $71.0K | $77.0K | $82.0K | $88.0K | $94.0K | · | $107.0K | $113.0K | $120.0K | · | · | |
| Total Assets | $1.46B | $1.47B | $1.45B | $1.46B | $1.45B | $1.43B | $1.42B | $1.41B | $1.40B | $1.38B | · | $1.36B | $1.35B | $1.35B | · | $1.35B | |
| Short-term Debt | · | · | · | · | $3M | $10M | $15M | $12M | $35M | $11M | · | $63M | $57M | $53M | · | $26M | |
| Deferred Tax | $2M | $2M | $2M | $415.0K | · | · | · | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $1.34B | $1.35B | $1.33B | $1.35B | $1.34B | $1.32B | $1.32B | $1.30B | $1.30B | $1.28B | · | $1.26B | $1.24B | $1.24B | · | $1.25B | |
| Total Debt | · | · | · | · | $3M | $10M | · | $12M | $35M | $11M | · | $63M | $57M | $53M | · | $26M | |
| Common Stock | $272.0K | $272.0K | $270.0K | $268.0K | $268.0K | $268.0K | $268.0K | $268.0K | $268.0K | $268.0K | · | $268.0K | $268.0K | $268.0K | · | $267.0K | |
| Retained Earnings | $68M | $65M | $64M | $63M | $61M | $62M | $60M | $60M | $59M | $60M | · | $65M | $65M | $65M | · | $65M | |
| Treasury Stock | $85M | $85M | $85M | $85M | $85M | $85M | $85M | $85M | $85M | $83M | · | $83M | $83M | $83M | · | $83M | |
| AOCI | $-8M | $-8M | $-7M | $-10M | $-12M | $-13M | $-15M | $-14M | $-18M | $-20M | $-20M | $-27M | $-24M | $-23M | $-23M | $-27M | |
| Stockholders' Equity | $123M | $121M | $119M | $115M | $111M | $111M | $107M | $108M | $104M | $104M | $102M | $101M | $104M | $106M | · | $102M | |
| Liabilities + Equity | $1.46B | $1.47B | $1.45B | $1.46B | $1.45B | $1.43B | $1.42B | $1.41B | $1.40B | $1.38B | · | $1.36B | $1.35B | $1.35B | · | $1.35B | |
| Shares Outstanding | 16,964,267 | 16,964,267 | 16,522,267 | 16,519,267 | 16,519,267 | 16,519,267 | 16,519,267 | 16,519,267 | 16,519,267 | 17,147,270 | · | 17,147,270 | 17,147,270 | 17,147,270 | · | 17,112,617 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | · | · | · | · | · | · | $0 | $0 | $0 | $8.0K | · | $11.0K | $12.0K | $12.0K | · | $12.0K | |
| Amort. of Intangibles | $4.0K | $5.0K | $5.0K | $5.0K | $5.0K | $6.0K | $5.0K | $6.0K | $6.0K | $7.0K | · | $6.0K | $7.0K | $8.0K | · | $7.0K | |
| Operating Cash Flow | $-1M | $356.0K | $1M | $1M | $-62.0K | $599.0K | $3M | $-235.0K | $2M | $-2M | · | $3M | $704.0K | $2M | · | $806.0K | |
| Investing Cash Flow | $-11M | $-15M | $10M | $17M | $-14M | $-2M | $-23M | $5M | $-17M | $13M | · | $-16M | $-5M | $14M | · | $-32M | |
| Stock Repurchased | · | · | · | · | · | · | $0 | $0 | · | · | · | · | · | · | · | · | |
| Dividends Paid | $510.0K | $508.0K | $496.0K | $495.0K | $495.0K | $496.0K | $496.0K | $495.0K | $515.0K | $514.0K | · | $513.0K | $515.0K | $514.0K | · | $513.0K | |
| Financing Cash Flow | $-14M | $18M | $-14M | $10M | $16M | $8M | $16M | $-746.0K | $16M | $-7M | · | $14M | $-1M | $-16M | · | $30M |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 70.7% | 49.7% | · | 69.5% | -7.8% | 55.0% | · | 30.5% | -9.7% | 46.9% | · | 17.4% | -5.2% | 43.5% | · | 57.8% | |
| Pretax Margin | 87.8% | 61.5% | · | 84.3% | -9.8% | 68.8% | · | 36.6% | -12.5% | 58.8% | · | 20.8% | -6.9% | 54.1% | · | 72.2% | |
| ROA | 0.19% | 0.12% | · | 0.18% | -0.02% | 0.14% | · | 0.09% | -0.03% | 0.14% | · | 0.05% | -0.01% | 0.11% | · | 0.16% | |
| ROE | 2.3% | 1.6% | · | 2.3% | -0.26% | 1.8% | · | 1.1% | -0.36% | 1.8% | · | 0.64% | -0.18% | 1.4% | · | 1.9% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | 0.0 | 0.1 | · | 0.1 | 0.3 | 0.1 | · | 0.6 | 0.5 | 0.5 | · | 0.3 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $7.26 | $7.12 | · | $6.94 | $6.71 | $6.70 | · | $6.55 | $6.28 | $6.06 | · | $5.91 | $6.04 | $6.18 | · | $5.94 | |
| Revenue / Share | $0.23 | $0.21 | · | $0.22 | $0.22 | $0.21 | · | $0.23 | $0.23 | $0.24 | · | $0.22 | $0.21 | $0.20 | · | $0.21 | |
| Cash Flow / Share | · | $0.02 | · | · | · | $0.04 | · | · | · | $-0.13 | · | · | · | $0.10 | · | · | |
| Cash / Share | · | · | · | · | · | · | · | · | · | · | · | $1.05 | $1.00 | $1.29 | · | $1.67 | |
| Dividend / Share | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | $0.03 | |
| EPS (TTM) | $0.51 | $0.33 | · | $0.30 | $0.22 | $0.22 | · | $-0.15 | $-0.18 | $-0.17 | · | $0.18 | $0.26 | $0.39 | · | $0.49 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $15M | $15M | · | $15M | $15M | $15M | · | · | · | · | · | · | · | · | · | $15M | |
| Net Income TTM | $9M | $5M | · | $5M | $4M | $4M | · | $-3M | $-3M | $-3M | · | $3M | $4M | $7M | · | $8M | |
| Market Cap | $66M | $61M | · | $48M | $50M | $40M | · | $43M | $37M | $45M | · | $45M | $44M | $52M | · | $65M | |
| Enterprise Value | · | · | · | · | · | · | · | · | · | · | · | $91M | $83M | $83M | · | $63M | |
| P/E | 7.6 | 11.0 | · | 9.7 | 13.8 | 11.0 | · | -17.4 | -12.6 | -15.3 | · | 14.7 | 9.8 | 7.8 | · | 7.8 | |
| P/S | 4.4 | 4.2 | · | 3.3 | 3.4 | 2.7 | · | · | · | · | · | · | · | · | · | 4.3 | |
| P/B | 0.5 | 0.5 | · | 0.4 | 0.5 | 0.4 | · | 0.4 | 0.4 | 0.4 | · | 0.4 | 0.4 | 0.5 | · | 0.6 | |
| P / Tangible Book | 0.6 | 0.6 | · | 0.5 | 0.5 | 0.4 | · | 0.5 | 0.4 | 0.5 | · | 0.5 | 0.5 | 0.6 | · | 0.7 | |
| P / Cash Flow | · | 172.5 | · | · | · | 67.0 | · | · | · | -20.7 | · | · | · | 29.2 | · | · | |
| EV / Revenue | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | 4.2 | |
| Dividend Yield | 3.0% | 3.2% | · | 4.1% | 4.0% | 5.0% | · | · | · | · | · | · | · | · | · | 2.9% | |
| Earnings Yield | 13.1% | 9.1% | · | 10.3% | 7.2% | 9.0% | · | -5.8% | -8.0% | -6.5% | · | 6.8% | 10.2% | 12.8% | · | 12.9% | |
| Payout Ratio | · | 28.3% | · | · | · | 26.0% | · | · | · | 27.0% | · | · | · | 33.9% | · | · | |
| Annual Payout | $2M | $2M | · | $2M | $2M | $2M | · | · | · | · | · | · | · | · | · | $2M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $15M | $16M | $14M | $15M | $15M |
| Net Income | $6M | $4M | $-3M | $7M | $7M |
| Diluted EPS | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | · | 0.1 | 0.4 | 0.8 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 37 filers · $28.1M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
37
Value held
$28.1M
New positions
4
Exited positions
3
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 4 (-4 vs prior Q) | 3 (0 vs prior Q) | 9 (+2 vs prior Q) | 5 (+2 vs prior Q) | +110K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| GENDELL JEFFREY L | $6,346,427 | 1,635,677 | 22.61% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,482,941 | 1,155,397 | 15.97% | Shares |
| AmeriServ Wealth Advisors | $3,451,122 | 889,464 | 12.29% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $2,563,054 | 660,581 | 9.13% | Shares |
| VANGUARD GROUP INC | $2,386,886 | 748,240 | 8.50% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,078,803 | 535,774 | 7.41% | Shares |
| Oppenheimer & Close, LLC | $1,413,957 | 364,422 | 5.04% | Shares |
| EWA, LLC | $960,250 | 247,487 | 3.42% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $801,721 | 206,629 | 2.86% | Shares |
| BlackRock, Inc. | $586,896 | 151,262 | 2.09% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $552,456 | 142,339 | 1.97% | Shares |
| CITADEL ADVISORS LLC | $489,268 | 126,100 | 1.74% | Put option |
| Empowered Funds, LLC | $400,641 | 103,258 | 1.43% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $375,991 | 96,905 | 1.34% | Shares |
| Argyle Capital Management, LLC | $368,076 | 94,865 | 1.31% | Shares |
| Minerva Advisors LLC | $225,816 | 58,200 | 0.80% | Shares |
| Abacus Planning Group, Inc. | $164,950 | 42,513 | 0.59% | Shares |
| NORTHERN TRUST CORP | $113,897 | 29,355 | 0.41% | Shares |
| CITADEL ADVISORS LLC | $100,395 | 25,875 | 0.36% | Shares |
| STATE STREET CORP | $73,681 | 18,990 | 0.26% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $52,314 | 13,483 | 0.19% | Shares |
| SCHULHOFF & CO INC | $50,440 | 13,000 | 0.18% | Shares |
| Vanguard Global Advisers, LLC | $22,873 | 5,895 | 0.08% | Shares |
| JPMORGAN CHASE & CO | $2,771 | 718 | 0.01% | Shares |
| Tower Research Capital LLC (TRC) | $2,281 | 588 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $2,000 | 400 | 0.01% | Shares |
| IFP Advisors, Inc | $442 | 114 | 0.00% | Shares |
| Lesa Sroufe & Co | $388 | 100,000 | 0.00% | Shares |
| CWM, LLC | $363 | 100 | 0.00% | Shares |
| BARCLAYS PLC | $147 | 38 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $87 | 22,760 | 0.00% | Shares |
| Cornerstone Planning Group LLC | $32 | 8 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $8 | 2 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $8 | 2 | 0.00% | Shares |
| MORGAN STANLEY | $6 | 1 | 0.00% | Shares |
| FMR LLC | $4 | 1 | 0.00% | Shares |
| WELLS FARGO & COMPANY/MN | $2 | 0 | 0.00% | Shares |
Activists & 5%+ owners 4 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| BAIRD BRENT D, Ann N. Bonte ×3 filings | Jan. 23, 2026 | 6.80% | Amendment | Passive investment | SEC |
| SB Value Partners, L.P. ×3 filings | Jan. 8, 2026 | 9.70% | Amendment | · | SEC |
| Driver Opportunity Partners I LP, Driver Management Company LLC, J. Abbott R. Cooper, Julius D. Rudolph, Brandon L. Simmons ×6 filings | Aug. 9, 2023 | · | Initial filing | · | SEC |
| SS. or | Oct. 21, 2004 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 32 insiders · 11 officers · 21 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Jeffrey A Stopko | President & CEO ASRV & Bank | Sept. 11, 2026 P | 171,379 | 2 | 0 | $21,430 |
| James T Huerth | President & CEO - Trust Co. | May 26, 2023 P | 24,484 | 0 | 0 | $0 |
| Gregor T Young IV | President & CEO of Trust Co. | Feb. 10, 2016 M | 88,535 | 0 | 0 | $0 |
| Glenn L Wilson | President & CEO | Jan. 5, 2015 P | 85,119 | 0 | 0 | $0 |
| Ronald W Virag | President and CEO of Trust Co. | June 30, 2009 J | 2,838 | 0 | 0 | $0 |
| Ray M Fisher | Pres & CEO of ASRV Associates | April 5, 2006 J | 14,985 | 0 | 0 | $0 |
| Michael D Lynch | EVP & CFO | Jan. 23, 2026 M | 23,892 | 0 | 0 | $0 |
| David A Finui | EVP - ASRV Wealth & Cap. Mgmt. | Sept. 4, 2026 M | 2,250 | 0 | 2 | $-48,890 |
| Michael R. Baylor | Exec. Vice President | Feb. 18, 2014 A | 2,608 | 0 | 0 | $0 |
| Dan L Hummel | Exec.. Vice President | Jan. 15, 2013 P | 28,160 | 0 | 0 | $0 |
| Gary M Mckeown | EVP Spec. Asst. to the Pres. | March 15, 2012 A | 24,193 | 0 | 0 | $0 |
| Richard W. Bloomingdale | Director | Aug. 17, 2026 A | 39,585 | 0 | 0 | $0 |
| David J. Hickton | Director | Aug. 17, 2026 A | 33,805 | 0 | 0 | $0 |
| Daniel A. Onorato | Director | Aug. 17, 2026 A | 65,714 | 0 | 0 | $0 |
| Kim W Kunkle | Director | Aug. 17, 2026 A | 189,601 | 0 | 0 | $0 |
| Amy Bradley | Director | June 2, 2026 A | 41,663 | 0 | 0 | $0 |
| Michael J Adams JR | Director | June 2, 2026 A | 156,049 | 0 | 0 | $0 |
| Mark E Pasquerilla | Director | June 2, 2026 A | 110,709 | 0 | 0 | $0 |
| Malley Margaret A O | Director | Nov. 18, 2024 A | 370,112 | 0 | 0 | $0 |
| Allan R Dennison | Director | May 16, 2023 A | 85,900 | 0 | 0 | $0 |
| Sara A Sargent | Director | May 16, 2023 A | 237,238 | 0 | 0 | $0 |
| Craig G Ford | Director | May 20, 2021 A | 88,965 | 0 | 0 | $0 |
| Robert L Wise | Director | April 15, 2020 P | 162,359 | 0 | 0 | $0 |
| Thomas C Slater | Director | May 8, 2018 A | 70,065 | 0 | 0 | $0 |
| Bruce E Duke III | Director | May 8, 2018 A | 93,845 | 0 | 0 | $0 |
| Daniel R Devos | Director | May 8, 2018 A | 77,895 | 0 | 0 | $0 |
| James M Edwards SR | Director | May 9, 2017 A | 55,987 | 0 | 0 | $0 |
| Howard M Picking III | Director | May 1, 2013 A | 79,182 | 0 | 0 | $0 |
| Christian R Rev Oravec | Director | May 1, 2013 A | 24,890 | 0 | 0 | $0 |
| James C Dewar | Director | May 1, 2013 A | 128,928 | 0 | 0 | $0 |
| Nedret E Vidinli | Director | June 1, 2009 S | 2,110,000 | 0 | 0 | $0 |
| Edward J Cernic SR | Director | April 15, 2009 P | 107,904 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 11 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.02% | 44,233 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 93,747 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 40,106 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 30,968 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 16,773 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 3,510 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,301 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 163,187 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 448,326 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 3,367 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | July 31, 2026 | N-PORT |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 14, 2026