Ameriserv Financial Inc
ASRVFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
4.74+0.03 (0.64%)
2026-11-11 22:18 CET
Market cap
80.02 USD m
Revenue, TTM
- USD m
Net income, TTM
9.07 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.53
P/E
8.87
Price
ASRV against its 20, 50 and 200-day averages2050200
11.9% under the 52-week high of 5.38 on 18 Aug 2026. 52-week low 2.96 on 14 Nov 2025. Last 15 sessions, 17.2% high to low
Volume 0.32× normal · the line is the 50-bar volume average
Profile
ASRV52-week range, 74% of the way up
2.965.38
AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. The company was founded in January 1983 and is headquartered in Johnstown, PA.
| Employees | 298 |
|---|---|
| IPO | Jan 30, 1985 |
| Beta | 0.43 |
| ATR, 14d | 0.27 |
| Rel volume | 0.32 |
| Short float | 1.44% |
| Insider own | 24.50% |
| Inst own | 39.51% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 80.53M |
| Enterprise Value | - |
| Income | 9.07M |
| Sales | 89.45M |
| Book/sh | 7.18 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.12 (2.53%) |
| Dividend Ex-Date | Nov 02, 2026 |
| Dividend Gr. 3/5Y | 0.00% 3.71% |
| Payout | 35.35% |
| Employees | 298 |
| IPO | Jan 30, 1985 |
Ratios
| P/E | 8.87 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 0.90 |
| P/B | 0.66 |
| P/C | - |
| P/FCF | - |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.25 |
| Debt/Eq | 0.49 |
| LT Debt/Eq | 0.49 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 0.53 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -7.89% 4.73% |
| Sales past 3/5Y | 10.35% 6.94% |
| EPS Y/Y TTM | 75.47% |
| Sales Y/Y TTM | 2.43% |
| EPS Q/Q | 16.88% |
| Sales Q/Q | -0.42% |
| Earnings | Oct 20 BMO |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 24.50% |
|---|---|
| Insider Trans | -0.15% |
| Inst Own | 39.51% |
| Inst Trans | 0.02% |
| ROA | 0.62% |
| ROE | 7.67% |
| ROIC | 4.99% |
| Gross Margin | - |
| Oper. Margin | 12.43% |
| Profit Margin | 10.14% |
| SMA20 | 0.65% |
| SMA50 | 1.36% |
| SMA200 | 14.48% |
| Trades | - |
Technical
| Shs Outstand | 16.99M |
|---|---|
| Shs Float | 12.83M |
| Short Float | 1.44% |
| Short Ratio | 10.11 |
| Short Interest | 0.18M |
| 52W High | 5.38 -11.92% |
| 52W Low | 2.96 60.14% |
| Volatility | 7.28% 5.75% |
| ATR (14) | 0.27 |
| RSI (14) | 51.64 |
| Beta | 0.43 |
| Rel Volume | 0.32 |
| Avg Volume | 18.26K |
| Volume | 5,860 |
Performance
| Perf Week | -0.63% |
|---|---|
| Perf Month | 8.97% |
| Perf Quarter | -5.39% |
| Perf Half Y | 26.40% |
| Perf YTD | 48.59% |
| Perf Year | 52.41% |
| Perf 3Y | 80.23% |
| Perf 5Y | 24.41% |
| Perf 10Y | 43.64% |
| Recom | - |
| Target Price | - |
| Prev Close | 4.71 |
| Price | 4.74 |
| Change % | 0.64% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FRAF | Franklin Financial Services Corp | 314.51M |
| CZFS | Citizens Financial Services Inc | 412.85M |
| NWFL | Norwood Financial Corp | 394.81M |
| QNBC | QNB Corp | 294.81M |
| FDBC | Fidelity D&D Bancorp Inc | 392.60M |
| CCNE | CNB Financial Corp (PA) | 1.06B |
| CZNC | Citizens & Northern Corp | 505.30M |
| UBCP | United Bancorp Inc (Martins Ferry, OH) | 81.96M |
| PFIS | Peoples Financial Services Corp | 725.15M |
| PBHC | Pathfinder Bancorp Inc | 106.55M |
Insider trading
8 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| STOPKO JEFFREY A | President & CEO ASRV & Bank | Nov 09 '26 | Buy | 4.44 | 1,600 | 7,104 | 172,979 | Nov 10 10:41 AM |
| STOPKO JEFFREY A | President & CEO ASRV & Bank | Sep 11 '26 | Buy | 4.94 | 2,000 | 9,880 | 171,379 | Sep 14 11:28 AM |
| FINUI DAVID A | EVP - ASRV Wealth & Cap. Mgmt. | Sep 04 '26 | Option Exercise | 3.32 | 6,502 | 21,587 | 8,752 | Sep 08 04:18 PM |
| FINUI DAVID A | EVP - ASRV Wealth & Cap. Mgmt. | Aug 31 '26 | Option Exercise | 3.32 | 3,498 | 11,613 | 5,748 | Sep 08 04:18 PM |
| FINUI DAVID A | EVP - ASRV Wealth & Cap. Mgmt. | Sep 04 '26 | Sale | 4.77 | 6,502 | 31,015 | 2,250 | Sep 08 04:18 PM |
| FINUI DAVID A | EVP - ASRV Wealth & Cap. Mgmt. | Aug 31 '26 | Sale | 5.11 | 3,498 | 17,875 | 2,250 | Sep 08 04:18 PM |
| STOPKO JEFFREY A | President & CEO ASRV & Bank | May 05 '26 | Buy | 3.85 | 3,000 | 11,550 | 169,379 | May 06 11:47 AM |
| Lynch Michael D | EVP & CFO | Jan 23 '26 | Option Exercise | 2.96 | 3,000 | 8,880 | 23,892 | Feb 02 10:36 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFUV | Dimensional US Marketwide Value ETF | AUM: 15.62B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
News
latest 14 of 200- AmeriServ Bank Partners with Ameriprise Financial (PR Newswire)
- AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE THIRD QUARTER AND FIRST NINE MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND (PR Newswire) +6.62%
- Top Stock Reports for Berkshire Hathaway, Roche & RTX (Zacks)
- AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE SECOND QUARTER AND FIRST SIX MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND (PR Newswire)
- AMERISERV FINANCIAL REPORTS EARNINGS FOR THE FIRST QUARTER OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND (PR Newswire)
- AmeriServ Q4 Earnings Rise Y/Y on Higher Net Interest Income (Zacks)
- AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE FOURTH QUARTER AND FULL YEAR OF 2025 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND (PR Newswire)
- AmeriServ Financial Strengthens Strategic Partnership with SB Value Partners (PR Newswire)
- BRBS vs. ASRV: Which Bank Stock Deserves a Spot in Your Portfolio? (Zacks)
- Blue Ridge Bankshares Gains 33.7% in 6 Months: How to Play the Stock? (Zacks)
- The Zacks Analyst Blog Highlights Bank of America, Salesforce, PepsiCo, United Homes and AmeriServ Financial (Zacks) -5.36%
- Top Research Reports for Bank of America, Salesforce & Pepsi (Zacks)
- AmeriServ Financial Bank and Federated Hermes Announce Strategic Alliance to Expand Investment Opportunities in Western Pennsylvania (PR Newswire)
- Blue Ridge Bankshares Gains 8.6% in 3 Months: How to Play the Stock? (Zacks)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-21 | - | - | 0.106 | - | - | - |
| 2025Q4 | 2026-01-20 | - | - | 0.087 | - | - | - |
| 2025Q3 | 2025-10-21 | - | - | 0.154 | - | - | - |
| 2025Q2 | 2025-07-22 | - | - | -0.017 | - | - | - |
| 2025Q1 | 2025-04-22 | - | - | 0.116 | - | - | - |
| 2024Q4 | 2025-01-21 | - | - | 0.054 | - | - | - |
| 2024Q3 | 2024-10-22 | - | - | 0.072 | - | - | - |
| 2024Q2 | 2024-07-16 | - | - | -0.022 | - | - | - |
| 2024Q1 | 2024-04-16 | - | - | 0.111 | - | - | - |
| 2023Q4 | 2024-01-23 | - | - | -0.310 | - | - | - |
| 2023Q3 | 2023-10-17 | - | - | 0.038 | - | - | - |
| 2023Q2 | 2023-07-18 | - | - | -0.011 | - | - | - |
| 2023Q1 | 2023-04-18 | - | - | 0.088 | - | - | - |
| 2022Q4 | 2023-01-24 | 0.110 | - | 0.055 | - | - | - |
| 2022Q3 | 2022-10-18 | - | - | 0.123 | - | - | - |
| 2022Q2 | 2022-07-19 | - | - | 0.116 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 0.010 | -0.003 | 0.010 | 46.31 | 46.00 |
| 2011FY | 0.240 | - | 0.240 | 45.85 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.177 | 0.431 | 0.346 | 0.27 | 0.413 | 0.434 | -0.195 | 0.214 | 0.34 | 0.5344 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.072 | 0.054 | 0.116 | -0.017 | 0.154 | 0.087 | 0.106 | 0.161 | 0.18 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 59.001 | 61.318 | 65.035 | 63.157 | 64.43 | 65.75 | 77.249 | 84.48 | 88.343 | 89.45 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 20.911 | 21.516 | 21.143 | 21.785 | 22.884 | 22.531 | 21.469 | 22.666 | 22.787 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 18.128 | 17.619 | 17.058 | 17.06 | 17.082 | 17.118 | 17.147 | 16.519 | 16.522 | 16.989 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 16.519 | 16.519 | 16.519 | 16.519 | 16.519 | 16.522 | 16.964 | 16.964 | 16.989 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 72.03 | 71.35 | 66.50 | 60.86 | 49.06 | 46.67 | 46.88 | 49.77 | 47.09 |
| Total Interest Expense | 27.49 | 29.09 | 30.46 | 24.84 | 8.49 | 7.59 | 10.52 | 14.32 | 11.60 |
| Net Interest Income | 44.54 | 42.26 | 36.05 | 36.02 | 40.56 | 39.08 | 36.37 | 35.44 | 35.49 |
| Loan Loss Provision | 0.64 | 4.12 | 0.88 | 7.43 | 0.05 | 1.10 | 2.38 | 0.80 | -0.60 |
| Net Interest Income After Loan Loss Provision | 43.90 | 38.14 | 35.16 | 28.59 | 40.51 | 37.98 | 33.99 | 34.64 | 36.09 |
| Non-Interest Income | 17.42 | 16.99 | 17.98 | 16.39 | 16.69 | 17.76 | 16.27 | 15.27 | 14.22 |
| Non-Interest Expense | 50.20 | 48.34 | 48.74 | 49.37 | 48.00 | 46.58 | 44.45 | 41.81 | 40.94 |
| Operating Income | 11.12 | 6.80 | 4.40 | -4.39 | 9.20 | 9.16 | 5.81 | 8.10 | 9.38 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.39 | 0.00 | 0.50 | 0.00 |
| Net Income Before Taxes | 11.12 | 6.80 | 4.40 | -4.39 | 9.20 | 8.77 | 5.81 | 7.60 | 9.38 |
| Income Taxes | 2.05 | 1.18 | 0.80 | -1.04 | 1.75 | 1.70 | 1.21 | 1.57 | 1.61 |
| Consolidated Net Income | 9.07 | 5.61 | 3.60 | -3.35 | 7.45 | 7.07 | 4.60 | 6.03 | 7.77 |
| Net Income From Continuing Operations | 9.07 | 5.61 | 3.60 | -3.35 | 7.45 | 7.07 | 4.60 | 6.03 | 7.77 |
| Net Income | 9.07 | 5.61 | 3.60 | -3.35 | 7.45 | 7.07 | 4.60 | 6.03 | 7.77 |
| EPS (Recurring) | - | 0.34 | 0.21 | -0.20 | 0.43 | 0.43 | 0.27 | 0.37 | 0.43 |
| EPS (Basic, Before Extraordinaries) | 0.54 | 0.34 | 0.21 | -0.20 | 0.44 | 0.41 | 0.27 | 0.35 | 0.43 |
| EPS (Diluted) | 0.53 | 0.34 | 0.21 | -0.20 | 0.43 | 0.41 | 0.27 | 0.35 | 0.43 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.00 | 0.01 | 0.04 | 0.04 | 0.03 | 0.00 | 0.01 | 0.01 |
| Price To Earnings Ratio | 8.81 | 8.81 | - | 18.98 | 8.09 | 9.34 | 11.62 | 12.19 | 9.35 |
| Price To Sales Ratio | 0.88 | 0.60 | 0.53 | 0.72 | 1.03 | 1.03 | 0.85 | 1.13 | 1.19 |
| Operating Margin | 12.43 | 7.69 | 5.21 | -5.68 | 13.99 | 14.22 | 9.20 | 12.45 | 15.30 |
| Net Margin | 10.14 | 6.35 | 4.26 | -4.33 | 11.33 | 10.98 | 7.28 | 9.27 | 12.67 |
| Shares Outstanding | 16.99 | 16.52 | 16.52 | 17.15 | 17.12 | 17.08 | 17.06 | 17.06 | 17.62 |
| Market Capitalization | 80.02 | 80.02 | 44.27 | 55.47 | 67.43 | 65.93 | 53.39 | 71.98 | 71.52 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 18.27 | 18.10 | 17.50 | 18.16 | 18.48 | 17.69 | 17.02 | 17.06 |
| Total Interest Expense | 6.82 | 6.76 | 6.67 | 7.23 | 7.48 | 7.29 | 7.09 | 7.52 |
| Net Interest Income | 11.45 | 11.34 | 10.83 | 10.93 | 11.01 | 10.39 | 9.93 | 9.54 |
| Loan Loss Provision | -0.00 | -0.29 | 0.22 | 0.72 | 0.36 | 3.13 | -0.10 | 1.06 |
| Net Interest Income After Loan Loss Provision | 11.45 | 11.63 | 10.61 | 10.21 | 10.65 | 7.26 | 10.03 | 8.48 |
| Non-Interest Income | 4.52 | 4.57 | 3.97 | 4.37 | 4.40 | 4.10 | 4.12 | 4.45 |
| Non-Interest Expense | 12.14 | 12.80 | 12.36 | 12.90 | 11.96 | 11.71 | 11.76 | 11.86 |
| Operating Income | 3.83 | 3.40 | 2.22 | 1.68 | 3.08 | -0.35 | 2.39 | 1.08 |
| Unusual Expense | - | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 3.83 | 3.40 | 2.22 | 1.68 | 3.08 | -0.35 | 2.39 | 1.08 |
| Income Taxes | 0.73 | 0.66 | 0.43 | 0.24 | 0.54 | -0.07 | 0.48 | 0.19 |
| Consolidated Net Income | 3.10 | 2.74 | 1.79 | 1.44 | 2.54 | -0.28 | 1.91 | 0.89 |
| Net Income From Continuing Operations | 3.10 | 2.74 | 1.79 | 1.44 | 2.54 | -0.28 | 1.91 | 0.89 |
| Net Income | 3.10 | 2.74 | 1.79 | 1.44 | 2.54 | -0.28 | 1.91 | 0.89 |
| EPS (Recurring) | - | 0.16 | 0.11 | 0.09 | 0.15 | -0.02 | 0.12 | 0.05 |
| EPS (Basic, Before Extraordinaries) | 0.18 | 0.16 | 0.11 | 0.09 | 0.15 | -0.02 | 0.12 | 0.05 |
| EPS (Diluted) | 0.18 | 0.16 | 0.11 | 0.09 | 0.15 | -0.02 | 0.12 | 0.05 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | - | - | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | 8.81 | 11.76 | 10.66 | 10.42 | 12.95 | 13.89 | 11.33 | - |
| Price To Sales Ratio | 0.88 | 0.74 | 0.69 | 0.60 | 0.55 | 0.59 | 0.48 | 0.52 |
| Operating Margin | 16.79 | 15.00 | 10.34 | 7.45 | 13.48 | -1.62 | 11.29 | 5.00 |
| Net Margin | 13.60 | 12.08 | 8.36 | 6.40 | 11.12 | -1.29 | 9.02 | 4.13 |
| Shares Outstanding | 16.99 | 16.96 | 16.96 | 16.52 | 16.52 | 16.52 | 16.52 | 16.52 |
| Market Capitalization | 80.02 | 65.82 | 61.41 | 52.71 | 47.91 | 50.22 | 40.14 | 44.27 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 11.47 | 13.89 | 9.68 | 18.83 | 24.75 | 20.43 | 15.64 | 27.97 | 26.23 |
| Investments | 304.74 | 235.66 | 246.59 | 260.95 | 240.83 | 216.42 | 200.51 | 201.91 | 185.77 |
| Net Loans | 1,019.60 | 1,054.04 | 1,023.22 | 980.02 | 972.66 | 960.75 | 873.43 | 853.61 | 879.42 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.22 | 1.72 | - | 0.04 | 0.12 | 0.12 | 0.04 | 0.00 | 0.02 |
| Net Property, Plant & Equipment | 17.43 | 18.11 | 17.18 | 17.50 | 17.43 | 18.05 | 15.49 | 13.35 | 12.73 |
| Interest Receivables | 5.56 | 5.49 | 5.53 | 4.80 | 3.98 | 5.07 | 3.45 | 3.49 | 3.60 |
| Deferred Tax Assets | - | 1.41 | 2.68 | 2.79 | - | 4.22 | 4.62 | 3.84 | 6.12 |
| Other Intangible Assets | 94.80 | 92.04 | 84.77 | 78.94 | 75.80 | 60.44 | 56.53 | 56.72 | 53.91 |
| Total Assets | 1,453.81 | 1,422.36 | 1,389.64 | 1,363.87 | 1,335.56 | 1,285.38 | 1,171.82 | 1,160.88 | 1,167.81 |
| Total Deposits | 1,248.13 | 1,200.99 | 1,158.36 | 1,108.54 | 1,139.38 | 1,054.92 | 960.51 | 949.17 | 947.95 |
| Total Debt | 75.31 | 101.69 | 115.56 | 138.37 | 72.84 | 114.08 | 100.57 | 108.18 | 115.70 |
| Long Term Debt | 57.01 | 74.58 | 66.23 | 33.77 | 49.53 | 64.61 | 59.02 | 54.65 | 66.62 |
| Provision for Risks Charges | 0.34 | 0.97 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.89 | 0.92 |
| Deferred Tax Liabilities | 1.64 | - | - | - | 0.93 | 2.64 | 0.64 | 0.20 | 0.16 |
| Other Liabilities | 9.09 | 11.47 | 13.45 | 10.79 | 5.86 | 9.33 | 11.48 | 4.47 | 7.99 |
| Total Liabilities | 1,334.50 | 1,315.11 | 1,287.36 | 1,257.70 | 1,219.01 | 1,180.98 | 1,073.21 | 1,062.90 | 1,072.71 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 119.31 | 107.25 | 102.28 | 106.18 | 116.55 | 104.40 | 98.61 | 97.98 | 95.10 |
| Total Shareholders Equity | 119.31 | 107.25 | 102.28 | 106.18 | 116.55 | 104.40 | 98.61 | 97.98 | 95.10 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 119.31 | 107.25 | 102.28 | 106.18 | 116.55 | 104.40 | 98.61 | 97.98 | 95.10 |
| Total Liabilities & Stockholders Equity | 1,453.81 | 1,422.36 | 1,389.64 | 1,363.87 | 1,335.56 | 1,285.38 | 1,171.82 | 1,160.88 | 1,167.81 |
| Book Value Per Share | 7.22 | 6.49 | 5.96 | 6.20 | 6.82 | 6.12 | 5.78 | 5.56 | 5.25 |
| Tangible Book Value Per Share | 6.39 | 5.66 | 5.16 | 5.40 | 6.02 | 5.42 | 5.08 | 4.88 | 4.59 |
| Tier 1 Capital | 112.99 | 108.64 | 108.54 | 114.96 | 109.29 | 117.56 | 114.73 | 112.13 | 107.68 |
| Tier 2 Capital | 40.32 | 41.50 | 41.05 | 38.13 | 39.88 | 18.22 | 17.82 | 17.05 | 18.59 |
| Full-Time Employees | 298 | 302 | 307 | 315 | 304 | 299 | 328 | 321 | 321 |
| Price to Book Ratio | 0.66 | 0.41 | 0.55 | 0.66 | 0.57 | 0.51 | 0.73 | 0.72 | 0.78 |
| Return on Assets | 0.39 | 0.26 | -0.24 | 0.55 | 0.54 | 0.37 | 0.52 | 0.67 | 0.28 |
| Return on Equity | 4.95 | 3.44 | -3.21 | 6.69 | 6.40 | 4.53 | 6.13 | 8.05 | 3.46 |
| Return on Invested Capital | 3.18 | 1.98 | -1.99 | 5.32 | 4.26 | 2.72 | 3.82 | 5.09 | 2.04 |
| Current Ratio | 0.06 | 0.03 | 0.02 | 0.03 | 0.12 | 0.06 | 0.05 | 0.06 | 0.06 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 2.88 | 3.15 | 4.01 | 6.07 | 9.44 | 0.86 | 4.37 | 7.57 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.30 | -0.46 | 2.27 | -0.86 | 0.50 | -2.23 | 0.52 | 0.42 |
| Cash from Operating Activities | - | 3.19 | 2.69 | 6.29 | 5.21 | 9.94 | -1.37 | 4.89 | 7.98 |
| Capital Expenditures | - | -1.12 | -1.71 | -1.38 | -2.08 | -1.24 | -1.32 | -2.82 | -2.14 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 40.43 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | -20.23 | 11.40 | 11.87 | -48.28 | -29.26 | -5.45 | 10.35 | -21.56 |
| Purchase of Investments | - | -82.74 | -38.02 | -48.90 | -80.45 | -79.65 | -55.86 | -33.90 | -69.85 |
| Sale Or Maturity of Investments | - | 62.50 | 49.42 | 60.77 | 32.17 | 50.39 | 50.41 | 44.25 | 48.30 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 1.91 | 0.71 | 0.39 | 1.00 | 1.21 | 0.49 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 11.07 | -23.10 | -39.99 | -56.28 | -0.49 | -95.32 | -13.02 | 2.69 |
| Cash Dividends Paid | - | -1.98 | -2.02 | -2.06 | -1.97 | -1.71 | -1.72 | -1.64 | -1.35 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.01 | -1.51 | 0.09 | 0.11 | 0.06 | -0.07 | -2.45 | -2.29 |
| Repurchase of Common Pref Stock | - | 0.00 | -1.51 | 0.00 | 0.00 | 0.00 | -0.15 | -2.55 | -2.35 |
| Sale of Common Pref Stock | - | 0.01 | 0.00 | 0.09 | 0.11 | 0.06 | 0.08 | 0.10 | 0.06 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -26.27 | -14.98 | -23.12 | 65.53 | -40.33 | 13.41 | -11.84 | -7.56 |
| Change in Long Term Debt | - | -11.63 | 11.33 | 24.57 | -23.11 | -15.62 | 11.12 | 6.77 | 0.49 |
| Issuance of Long Term Debt | - | 1.91 | 28.70 | 42.37 | 0.00 | 8.92 | 36.05 | 22.53 | 12.49 |
| Reduction of Long Term Debt | - | -13.54 | -17.38 | -17.80 | -23.11 | -24.55 | -24.93 | -15.75 | -12.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | - | 0.00 | - | - | - | - |
| Cash from Financing Activities | - | 18.89 | 24.13 | 24.77 | 32.93 | 0.15 | 106.03 | -4.59 | -9.97 |
| Net Change in Cash | - | 33.15 | 3.72 | -8.94 | -18.14 | 9.60 | 9.34 | -12.73 | 0.71 |
| Free Cash Flow | - | 2.06 | 0.98 | 4.91 | 3.13 | 8.70 | -2.70 | 2.07 | 5.84 |
| Price to Free Cash Flow | - | 650.99 | - | 19.47 | 58.14 | 9.45 | - | 171.54 | 16.18 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | - | 13.86 | 13.06 | 11.47 | 14.67 | 20.23 |
| Investments | 311.90 | 323.74 | 320.39 | 304.74 | 289.85 | 256.57 |
| Net Loans | -12.89 | 1,002.12 | 1,017.85 | 1,019.60 | 1,041.28 | 1,055.00 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | - | 17.17 | 17.28 | 17.43 | 17.49 | 17.48 |
| Interest Receivables | - | 5.98 | 6.03 | 5.56 | 6.02 | 5.74 |
| Deferred Tax Assets | - | - | - | - | - | 0.37 |
| Other Intangible Assets | 13.65 | 99.14 | 97.81 | 94.80 | 91.95 | 93.09 |
| Total Assets | 1,447.83 | 1,462.14 | 1,472.65 | 1,453.81 | 1,461.49 | 1,448.73 |
| Total Deposits | 1,250.35 | 1,261.33 | 1,269.95 | 1,248.13 | 1,258.59 | 1,244.53 |
| Total Debt | 59.64 | 66.72 | 71.50 | 75.31 | 78.80 | 82.47 |
| Long Term Debt | 59.64 | 57.37 | 57.45 | 57.01 | 75.39 | 74.97 |
| Provision for Risks Charges | - | 0.26 | 0.24 | 0.34 | 0.27 | 0.25 |
| Deferred Tax Liabilities | - | 2.13 | 1.75 | 1.64 | 0.41 | - |
| Other Liabilities | - | 8.63 | 8.50 | 9.09 | 8.84 | 10.56 |
| Total Liabilities | - | 1,339.06 | 1,351.95 | 1,334.50 | 1,346.92 | 1,337.81 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 122.02 | 123.08 | 120.70 | 119.31 | 114.58 | 110.92 |
| Total Shareholders Equity | 122.02 | 123.08 | 120.70 | 119.31 | 114.58 | 110.92 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 122.02 | 123.08 | 120.70 | 119.31 | 114.58 | 110.92 |
| Total Liabilities & Stockholders Equity | - | 1,462.14 | 1,472.65 | 1,453.81 | 1,461.49 | 1,448.73 |
| Book Value Per Share | 7.18 | 7.26 | 7.12 | 7.22 | 6.94 | 6.71 |
| Tangible Book Value Per Share | 6.38 | 6.45 | 6.31 | 6.39 | 6.11 | 5.89 |
| Tier 1 Capital | - | - | 115.02 | - | 111.34 | 109.29 |
| Tier 2 Capital | - | - | 40.31 | 40.32 | 41.48 | 41.14 |
| Full-Time Employees | 285 | - | - | 298 | - | - |
| Price to Book Ratio | 0.66 | 0.55 | 0.50 | 0.46 | 0.43 | 0.45 |
| Return on Assets | 0.62 | 0.59 | 0.38 | 0.39 | 0.35 | 0.26 |
| Return on Equity | 7.67 | 7.28 | 4.75 | 4.95 | 4.54 | 3.45 |
| Return on Invested Capital | 1.71 | 1.52 | 1.01 | 0.82 | 1.34 | -0.15 |
| Current Ratio | - | 0.25 | 0.39 | 0.06 | 0.32 | 0.17 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 0.76 | 1.26 | -4.15 | 2.62 | 2.56 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.45 | -0.99 | 0.93 | -0.96 | 1.07 |
| Cash from Operating Activities | - | 0.31 | 0.27 | -3.22 | 1.66 | 3.63 |
| Capital Expenditures | - | -0.47 | -0.40 | -0.48 | -0.51 | -0.14 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | -0.07 |
| Purchase or Sale of Investments | - | -28.56 | -15.73 | -5.89 | 2.65 | -8.59 |
| Purchase of Investments | - | -42.85 | -26.54 | -23.15 | -17.94 | -21.30 |
| Sale Or Maturity of Investments | - | 14.29 | 10.82 | 17.25 | 20.58 | 12.71 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.44 | 0.00 | 0.00 | 1.56 | 0.00 |
| Cash from Investing Activities | - | -12.48 | -14.63 | 14.75 | 17.14 | -17.88 |
| Cash Dividends Paid | - | -0.51 | -0.51 | -0.50 | -0.49 | -0.49 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.03 | 0.01 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.03 | 0.01 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -4.75 | -3.77 | -3.46 | -3.63 | -11.56 |
| Change in Long Term Debt | - | -4.75 | -3.77 | -3.46 | -0.95 | -3.87 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.50 | 0.50 |
| Reduction of Long Term Debt | - | -4.75 | -3.77 | -3.46 | -1.45 | -4.37 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | - | - |
| Cash from Financing Activities | - | -13.88 | 17.57 | -14.40 | 9.93 | 15.64 |
| Net Change in Cash | - | -26.06 | 3.21 | -2.87 | 28.73 | 1.40 |
| Free Cash Flow | - | -0.16 | -0.13 | -3.69 | 1.16 | 3.49 |
| Price to Free Cash Flow | - | - | - | 652.26 | 6.49 | 9.65 |
Revenue breakdown
| Asset Management | 2024: 12.32M 2025: 11.56M |
|---|---|
| Deposit Account | 2024: 1.19M 2025: 1.15M |
| Financial Service, Other | 2024: 2.12M 2025: 1.93M |
| United States | 2024: 15.62M 2025: 14.63M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.44% | 0.2M | 12.8M | 18.47K |
| 2026-10-15 | 1.19% | 0.2M | 12.8M | 19.83K |
| 2026-09-30 | 1.26% | 0.2M | 12.8M | 18.65K |
| 2026-09-15 | 1.45% | 0.2M | 12.8M | 18.82K |
| 2026-08-31 | 1.45% | 0.2M | 12.8M | 18.10K |
| 2026-08-14 | 1.46% | 0.2M | 12.8M | 16.99K |
| 2026-07-31 | 1.61% | 0.2M | 12.8M | 13.61K |
| 2026-07-15 | 0.63% | 0.1M | 12.8M | 11.23K |
| 2026-06-30 | 0.68% | 0.1M | 12.8M | 12.17K |
| 2026-06-15 | 0.66% | 0.1M | 12.8M | 11.41K |
| 2026-05-29 | 0.74% | 0.1M | 12.4M | 11.85K |
| 2026-05-15 | 0.78% | 0.1M | 12.5M | 12.44K |
| 2026-04-30 | 0.79% | 0.1M | 12.5M | 14.87K |
| 2026-04-15 | 0.77% | 0.1M | 12.5M | 16.56K |
| 2026-03-31 | 0.57% | 0.1M | 12.4M | 16.49K |
| 2026-03-13 | 0.54% | 0.1M | 12.4M | 17.46K |
| 2026-02-27 | 0.54% | 0.1M | 12.1M | 17.61K |
| 2026-02-13 | 0.52% | 0.1M | 12.1M | 19.74K |
| 2026-01-30 | 0.62% | 0.1M | 12.1M | 18.99K |
| 2026-01-15 | 0.57% | 0.1M | 12.1M | 24.75K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 2.50 | 1.55 | 3.00 | 0.00 | 8.291 | 0.00 | 0.00 | 0.891 | -0.036 | 0.001 |
| call | 5.00 | 0.00 | 1.15 | 0.00 | 4.385 | 0.00 | 0.00 | 0.590 | -0.067 | 0.003 |
| call | 7.50 | 0.00 | 0.25 | 0.00 | 3.106 | 0.00 | 0.00 | 0.234 | -0.039 | 0.002 |
| put | 2.50 | 0.00 | 0.25 | 0.00 | 4.641 | 0.00 | 0.00 | -0.108 | -0.036 | 0.001 |
| put | 5.00 | 0.00 | 1.10 | 0.00 | 3.170 | 0.00 | 0.00 | -0.409 | -0.067 | 0.003 |
| put | 7.50 | 2.00 | 3.60 | 0.00 | 5.200 | 0.00 | 0.00 | -0.765 | -0.039 | 0.002 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-09 | SEC |
| 2026-10-22 | 8-K | Current report | 2026-10-22 | SEC |
| 2026-10-20 | 8-K | Current report | 2026-10-20 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-10-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-08 | SEC |
| 2026-09-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-11 | SEC |
| 2026-09-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-31 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-17 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-17 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-17 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-17 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-17 | SEC |
| 2026-08-20 | 3 | Initial statement of beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-24 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-07-21 | 8-K | Current report | 2026-07-21 | SEC |
| 2026-06-23 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-08 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-07-23 | SEC |
| 2026-06-08 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-06-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
| 2026-06-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-02 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 7.10K | 1 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 9.88K | 1 | 31.01K | 1 |
| 2026-08 | 0 | 0 | 17.87K | 1 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 11.55K | 1 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| GENDELL JEFFREY L | 9.64% |
| DIMENSIONAL FUND ADVISORS LP | 6.80% |
| AmeriServ Wealth Advisors | 5.24% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.89% |
| RENAISSANCE TECHNOLOGIES LLC | 3.16% |
| Oppenheimer & Close, LLC | 2.15% |
| EWA, LLC | 1.46% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 1.22% |
| BlackRock, Inc. | 0.89% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.85% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.64% |
| U.S. SMALL CAP VALUE PORTFOLIO | 1.91% |
| U.S. SMALL CAP PORTFOLIO | 1.16% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.95% |
| U.S. Targeted Value Portfolio | 0.75% |
| U.S. MICRO CAP PORTFOLIO | 0.66% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.61% |
| Dimensional U.S. Targeted Value ETF | 0.55% |
| Fidelity Extended Market Index Fund | 0.48% |
| Omni Small-Cap Value Fund | 0.46% |
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