ASRV
AmeriServ Financial, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Neutral
+5/100
Last price
4.40
▼ 0.02 (0.45%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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H —
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Range —
Vol —
vs
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Open
—
Prev close
4.42
Day high
4.49
Day low
4.35
Volume
32.58K
Market cap
$74.71M
P/E (TTM)
8.63
52W range
2.86 – 5.38
Trailing performance
Returnvs SPY
1W
-6.78%
-8.7%
1M
-13.04%
-14.2%
3M
+15.79%
+11.3%
6M
+18.92%
+0.7%
YTD
+37.93%
+23.7%
1Y
+50.17%
+33.8%
3Y
+66.04%
-16.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
11 more panels on ASRV open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+59.75K
Net buying
Buy transactions
20
69.75K shares
Sell transactions
1
10.00K shares
Net transactions
+21
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
4.16M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 11, 26 | STOPKO JEFFREY A Officer |
BUY | 2.00K | $9.88K | Direct |
| Sep 4, 26 | FINUI DAVID ALLEN Officer |
SELL | 10.00K | $48.89K | Direct |
| Sep 4, 26 | FINUI DAVID ALLEN Officer |
CONVERSION | 10.00K | $33.20K | Direct |
| Aug 17, 26 | KUNKLE KIM W Director |
STOCK | 1.05K | $5.35K | Direct |
| Aug 17, 26 | FINUI DAVID ALLEN Officer |
STOCK | 7 | $36 | Direct |
| Aug 17, 26 | ONORATO DANIEL A. Director |
STOCK | 379 | $1.94K | Direct |
| Aug 17, 26 | HICKTON DAVID J. Director |
STOCK | 195 | $995 | Direct |
| Aug 17, 26 | BLOOMINGDALE RICHARD W. Director |
STOCK | 215 | $1.10K | Direct |
| Jun 2, 26 | PASQUERILLA MARK E Director |
STOCK | 7.25K | $27.50K | Direct |
| Jun 2, 26 | KUNKLE KIM W Director |
STOCK | 7.25K | $27.50K | Direct |
| Jun 2, 26 | ADAMS J MICHAEL JR Director |
STOCK | 7.25K | $27.50K | Direct |
| Jun 2, 26 | ONORATO DANIEL A. Director |
STOCK | 7.25K | $27.50K | Direct |
| Jun 2, 26 | BRADLEY AMY Director |
STOCK | 7.25K | $27.50K | Direct |
| Jun 2, 26 | HICKTON DAVID J. Director |
STOCK | 7.25K | $27.50K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ADAMS J MICHAEL JR |
Director | 180.00K | Stock Award(Grant) |
BLOOMINGDALE RICHARD W. |
Director | 39.59K | Stock Award(Grant) |
BRADLEY AMY |
Director | 41.66K | Stock Award(Grant) |
HICKTON DAVID J. |
Director | 33.80K | Stock Award(Grant) |
KUNKLE KIM W |
Director | 256.99K | Stock Award(Grant) |
LYNCH MICHAEL D |
Chief Financial Officer | 23.89K | Conversion of Exercise of derivative security |
O MALLEY MARGARET A |
Director | 370.11K | Stock Award(Grant) |
ONORATO DANIEL A. |
Director | 65.71K | Stock Award(Grant) |
PASQUERILLA MARK E |
Director | 523.36K | Stock Award(Grant) |
STOPKO JEFFREY A |
Officer | 171.38K | Purchase |
Fundamentals
Market cap$74.71M
Enterprise value$104.83M
Revenue (TTM)$60.40M
Gross profit$60.40M
EBITDA—
Net income$8.52M
EPS (TTM)$0.51
Free cash flow—
Total cash$39.79M
Total debt$69.92M
Book value / share$7.26
Shares outstanding16.98M
Float12.83M
Short % of float1.18%
Dividend yield2.74%
Beta (5Y)0.43
Valuation & profitability ratios
Trailing P/E8.63
Forward P/E—
PEG ratio0.95
Price / sales—
Price / book0.61
EV / revenue1.74
EV / EBITDA—
Gross margin0.00%
Operating margin22.20%
Profit margin14.10%
Return on equity7.28%
Return on assets0.58%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $59.25M | $54.02M | $52.41M | $57.26M | +9.7% |
| Operating revenue | $59.25M | $54.02M | $52.41M | $57.26M | +9.7% |
| Selling, general & admin | $29.93M | $29.41M | $30.34M | $29.01M | +1.8% |
| Pre-tax income | $6.80M | $4.40M | -$4.39M | $9.20M | +54.5% |
| Tax provision | $1.18M | $798.00K | -$1.04M | $1.75M | +48.4% |
| Net income | $5.61M | $3.60M | -$3.35M | $7.45M | +55.8% |
| Net income to common | $5.61M | $3.60M | -$3.35M | $7.45M | +55.8% |
| Basic EPS | 0.34 | 0.21 | -0.20 | 0.44 | +61.9% |
| Diluted EPS | 0.34 | 0.21 | -0.20 | 0.43 | +61.9% |
| Basic shares | 16.52M | 16.80M | 17.14M | 17.11M | -1.7% |
| Diluted shares | 16.52M | 16.80M | 17.14M | 17.15M | -1.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $50.89M | $17.75M | $14.03M | $22.96M | +186.8% |
| Accounts receivable | $5.56M | $5.49M | $5.53M | $4.80M | +1.3% |
| Property, plant & equipment | $17.43M | $18.11M | $17.18M | $17.50M | -3.7% |
| Goodwill & intangibles | $13.67M | $13.69M | $13.71M | $13.74M | -0.2% |
| Total assets | $1.45B | $1.42B | $1.39B | $1.36B | +2.2% |
| Current debt | $0 | $14.64M | $40.95M | $88.64M | -100.0% |
| Long-term debt | $71.38M | $82.78M | $71.25M | $46.41M | -13.8% |
| Total debt | $75.31M | $101.69M | $115.56M | $138.37M | -25.9% |
| Total liabilities | $1.33B | $1.32B | $1.29B | $1.26B | +1.5% |
| Retained earnings | $64.11M | $60.48M | $58.90M | $65.49M | +6.0% |
| Shareholder equity | $119.31M | $107.25M | $102.28M | $106.18M | +11.2% |
| Net tangible assets | $105.64M | $93.56M | $88.56M | $92.44M | +12.9% |
| Shares issued | 26.78M | 26.78M | 26.78M | 26.75M | +0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $5.61M | $3.60M | -$3.35M | $7.45M | +55.8% |
| Depreciation & amortisation | $2.10M | $2.08M | $2.07M | $2.10M | +0.7% |
| Stock-based compensation | $0 | $8.00K | $45.00K | $50.00K | -100.0% |
| Change in working capital | $303.00K | -$461.00K | $2.27M | -$859.00K | +165.7% |
| Operating cash flow | $3.19M | $2.69M | $6.29M | $5.21M | +18.6% |
| Capital expenditure | -$1.12M | -$1.71M | -$1.38M | -$2.08M | +34.3% |
| Investing cash flow | $11.07M | -$23.10M | -$39.99M | -$56.28M | +147.9% |
| Share buybacks | $0 | -$1.51M | $0 | $0 | +100.0% |
| Dividends paid | -$1.98M | -$2.02M | -$2.06M | -$1.97M | +1.9% |
| Financing cash flow | $18.89M | $24.13M | $24.77M | $32.93M | -21.7% |
| Free cash flow | $2.06M | $976.00K | $4.91M | $3.13M | +111.4% |
| End cash position | $50.89M | $17.75M | $14.03M | $22.96M | +186.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $15.90M | $14.79M | $15.30M | $15.41M | $14.49M | +7.5% |
| Operating revenue | $15.90M | $14.79M | $15.30M | $15.41M | $14.49M | +7.5% |
| Selling, general & admin | $7.61M | $7.43M | $7.57M | $7.58M | $7.32M | +2.3% |
| Pre-tax income | $3.40M | $2.22M | $1.68M | $3.08M | -$352.00K | +53.1% |
| Tax provision | $661.00K | $426.00K | $236.00K | $540.00K | -$70.00K | +55.2% |
| Net income | $2.74M | $1.79M | $1.44M | $2.54M | -$282.00K | +52.6% |
| Net income to common | $2.74M | $1.79M | $1.44M | $2.54M | -$282.00K | +52.6% |
| Basic EPS | 0.16 | 0.11 | 0.09 | 0.15 | -0.02 | +45.5% |
| Diluted EPS | 0.16 | 0.11 | 0.09 | 0.15 | -0.02 | +45.5% |
| Basic shares | 16.96M | 16.93M | 16.52M | 16.52M | 16.52M | +0.2% |
| Diluted shares | 16.97M | 16.93M | 16.52M | 16.52M | 16.52M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $28.05M | $54.10M | $50.89M | $53.76M | $25.03M | -48.2% |
| Accounts receivable | $5.98M | $6.03M | $5.56M | $6.02M | $5.74M | -0.9% |
| Property, plant & equipment | $17.17M | $17.28M | $17.43M | $17.49M | $17.48M | -0.6% |
| Goodwill & intangibles | $13.66M | $13.66M | $13.67M | $13.67M | $13.68M | -0.0% |
| Total assets | $1.46B | $1.47B | $1.45B | $1.46B | $1.45B | -0.7% |
| Current debt | — | — | $0 | — | — | — |
| Long-term debt | $62.98M | $67.67M | $71.38M | $74.78M | $75.67M | -6.9% |
| Total debt | $66.72M | $71.50M | $75.31M | $78.80M | $79.78M | -6.7% |
| Total liabilities | $1.34B | $1.35B | $1.33B | $1.35B | $1.34B | -1.0% |
| Retained earnings | $67.63M | $65.40M | $64.11M | $63.17M | $61.12M | +3.4% |
| Shareholder equity | $123.08M | $120.70M | $119.31M | $114.58M | $110.92M | +2.0% |
| Net tangible assets | $109.43M | $107.04M | $105.64M | $100.90M | $97.24M | +2.2% |
| Shares issued | 16.96M | 27.22M | 26.78M | 26.78M | 26.78M | -37.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $2.74M | $1.79M | $1.44M | $2.54M | -$282.00K | — | +52.6% |
| Depreciation & amortisation | $570.00K | $557.00K | $529.00K | $505.00K | $534.00K | — | +2.3% |
| Stock-based compensation | — | — | $0 | $0 | $0 | $0 | — |
| Change in working capital | -$453.00K | -$994.00K | $932.00K | -$958.00K | $1.07M | — | +54.4% |
| Operating cash flow | -$1.11M | $356.00K | $1.25M | $1.40M | -$62.00K | — | -413.2% |
| Capital expenditure | -$467.00K | -$400.00K | -$477.00K | -$506.00K | — | — | -16.8% |
| Investing cash flow | -$11.06M | -$14.72M | $10.28M | $17.40M | -$14.18M | — | +24.8% |
| Share buybacks | — | — | $0 | $0 | — | — | — |
| Dividends paid | -$510.00K | -$508.00K | -$496.00K | -$495.00K | -$495.00K | — | -0.4% |
| Financing cash flow | -$13.88M | $17.57M | -$14.40M | $9.93M | $15.64M | — | -179.0% |
| Free cash flow | -$1.58M | -$44.00K | $769.00K | $898.00K | -$203.00K | — | -3,495.5% |
| End cash position | $28.05M | $54.10M | $50.89M | $53.76M | $25.03M | — | -48.2% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
2.50
-43.2% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
98
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
2.50
0 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Sep 2018 | — | 0.13 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders24.50%
Held by institutions39.62%
Institutions holding38
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
4.59
-4.14% from price
SMA 20
4.68
-6.02% from price
SMA 50
4.78
-8.04% from price
SMA 100
4.32
+1.86% from price
SMA 200
3.95
+11.33% from price
EMA 12
4.59
-4.07% from price
EMA 26
4.67
-5.70% from price
EMA 50
4.62
-4.78% from price
RSI (14)
41.4
Neutral
MACD (12,26,9)
-0.08
Hist -0.03
ATR (14)
0.23
5.16% of price
Realised vol 30D
49.9%
Annualised
Bollinger upper
4.98
20, 2σ
Bollinger lower
4.38
20, 2σ
50 / 200 cross
Golden
4.78 vs 3.95
Trend bias
Above 200
+11.33%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.12
Less volatile than market
Correlation to SPY
0.04
Largely independent
Realised vol 30D
49.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.0%
Peak to trough
Max drawdown 5Y
-53.8%
Peak to trough
ATR 14
0.23
5.16% of price
Beta (reported)
0.43
5Y monthly, from filing
Short interest
Shares short
185.87K
Prior 186.75K
Change vs prior
-0.5%
Shorts covering
% of float
1.18%
Normal
% of shares out
1.09%
Against total outstanding
Days to cover
12.1
Crowded exit
Float
12.83M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.12 / yr
Forward yield2.74%
5-year avg yield3.47%
Payout ratio23.53%
Ex-dividend dateAug 3, 2026
Next pay dateAug 17, 2026
Last split3:1
Split dateAug 3, 1998
SEC filings
Periodic Financial Reports
10-Q · 2026-08-14
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-21
Annual report of employee stock purchase
11-K · 2026-06-23
Proxy Statements
DEF 14A · 2026-06-08
Corporate Changes & Voting Matters
8-K · 2026-05-27
Periodic Financial Reports
10-Q · 2026-05-14
Headlines
AmeriServ Trades at a Discount: Should You Buy, Sell or Hold?
Zacks · 14d ago
The Zacks Analyst Blog Highlights Berkshire, Roche Holding, RTX, The Eastern and AmeriServ
Zacks · 42d ago
Top Stock Reports for Berkshire Hathaway, Roche & RTX
Zacks · 43d ago
AmeriServ Q2 Earnings Rise Y/Y on Margin and Credit Strength
Zacks · 72d ago
AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE SECOND QUARTER AND FIRST SIX MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND
PR Newswire · 78d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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