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Ameriserv Financial Inc /PA/ Stock: price and insider trades · United States
1 insider bought €8,504 of shares over the last 90 days, the latest filed 14 Sept 2026.
Ameriserv Financial Inc /PA/: what insiders have been doing
Every trade that managers of Ameriserv Financial Inc /PA/ disclose to SEC (Form 4) is tracked on this page. The company sits in the Finance & Banking sector and is based in Johnstown, United States. It was founded in 1983. Between 18 October 2025 and 18 October 2026, 10 insiders published 38 filings.
Open-market activity splits into 1 purchase totalling €8,504 and 2 sales totalling €42k; 1 insider sit on the buying side and 1 insider on the selling side. Sales outweigh purchases by €34k. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Among those who bought: 1 chief executive. The largest single trade was a sale of €27k by Finui David A, published on 8 September 2026, equal to 0.038% of the market capitalisation.
With 38 filings in twelve months, the company is more active than the median of 22 filings across the 5,458 companies we follow on the same exchange. Our records for Ameriserv Financial Inc /PA/ go back to 2016, with 57 purchases and 8 sales on the open market in total. The 10-K for the year ended 31 December 2025 shows 5.6 m USD of net income and a dividend of 0.12 USD per share.
The most recent open-market purchase was published on 14 September 2026, 34 days ago. Filings reach the SEC (Form 4) feed a median of 7 days after the trade. Section 16 rules allow two business days to file each Form 4. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
215
Thresholds
n/a
Buy Volume
€308,891
57 ops. · all time
Sell Volume
€138,420
8 ops. · all time
Who traded when
BuySaleJeffrey A. Stopko6 buys
David A. Finui2 sales
Michael D. Lynch1 buy
Since the insiders bought
- -6.0%Entry US$4.83 · Close 16 Oct 2026 US$4.54
- +58.0%Entry US$2.93 · Close at T+365 US$4.63
- -35.0%Entry US$3.97 · Close at T+365 US$2.58
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 6,559 of 24,148 companies
63.0
score / 100
Value66
Quality61
FCF yld2.6%
Earn yld7.2%
EV/EBITDA·
ROE7.3%
Gross mgn·
Net mgn9.5%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$4.60
Analyst consensus
Income statement
RevenueUS$59.3M
Net incomeUS$5.6M14.1% margin
Valuation
PER (trailing)9.0x
P/Book0.6x
Beta0.42
Balance sheet & cash
Market capUS$78.1M
Total debtUS$75.3M
Free Cash FlowUS$2.1M
Profitability & ownership
ROE7.3%
ROA0.6%
% insiders26.7%
% institutions39.6%
Last declaration on 14 September 2026
Declarations215 total
2,000 shares@ US$4.940.012% mcap6.8% of flowCommon StockSEC:0000707605-26-000062:0
Canonical exit: 10 Dec 2026 (T+90)
3,498 shares@ US$5.110.022% mcap21.7% of flowCommon StockSEC:0000707605-26-000060:1
6,502 shares@ US$3.320.027% mcap26.2% of flowCommon StockSEC:0000707605-26-000060:2
6,502 shares@ US$4.770.038% mcap37.6% of flowCommon StockSEC:0000707605-26-000060:3
3,498 shares@ US$3.320.014% mcap14.1% of flowCommon StockSEC:0000707605-26-000060:0
7 shares@ US$5.10460.0000% mcap0.0% of flowCommon StockSEC:0000707605-26-000050:0
195 shares@ US$5.10460.0012% mcap0.9% of flowCommon StockSEC:0000707605-26-000056:0
215 shares@ US$5.10460.0014% mcap1.3% of flowCommon StockSEC:0000707605-26-000058:0
757 shares@ US$5.10460.0048% mcap1.9% of flowCommon StockSEC:0000707605-26-000052:0
237 shares@ US$5.10460.0015% mcap0.6% of flowCommon StockSEC:0000707605-26-000052:1
54 shares@ US$5.10460.0003% mcap0.1% of flowCommon StockSEC:0000707605-26-000052:2
379 shares@ US$5.10460.0024% mcap1.8% of flowCommon StockSEC:0000707605-26-000054:0
7,250 shares@ US$3.7930.031% mcap19.0% of flowCommon StockSEC:0000707605-26-000042:0
7,250 shares@ US$3.7930.031% mcap24.1% of flowCommon StockSEC:0000707605-26-000037:0
7,250 shares@ US$3.7930.031% mcap24.1% of flowCommon StockSEC:0000707605-26-000029:0
7,250 shares@ US$3.7930.031% mcap25.9% of flowCommon StockSEC:0000707605-26-000031:0
7,250 shares@ US$3.7930.031% mcap13.7% of flowCommon StockSEC:0000707605-26-000033:0
7,250 shares@ US$3.7930.031% mcap25.9% of flowCommon StockSEC:0000707605-26-000035:0
7,250 shares@ US$3.7930.031% mcap33.4% of flowCommon StockSEC:0000707605-26-000039:0
196 shares@ US$3.92350.0009% mcap0.7% of flowCommon StockSEC:0000707605-26-000023:0
921 shares@ US$3.92350.0041% mcap1.8% of flowCommon StockSEC:0000707605-26-000025:0
69 shares@ US$3.92350.0003% mcap0.1% of flowCommon StockSEC:0000707605-26-000025:2
305 shares@ US$3.92350.0013% mcap0.6% of flowCommon StockSEC:0000707605-26-000025:1
222 shares@ US$3.92350.0010% mcap1.1% of flowCommon StockSEC:0000707605-26-000021:0
434 shares@ US$3.92350.0019% mcap1.6% of flowCommon StockSEC:0000707605-26-000027:0
25 of 215 declarations
About Ameriserv Financial Inc /PA/
AmeriServ Financial Inc. (/PA/) is a U.S.-based bank holding company listed on the NASDAQ market under the ticker ASRV. Headquartered in Johnstown, Pennsylvania, the group traces its community-banking roots back to 1901, while the holding-company structure was formed around the bank in 1983. For international investors, this is a small regional financial institution with a long local franchise, a customer-service oriented culture, and a business model typical of a community/regional bank rather than a national money-center institution. ([ameriserv.com](https://www.ameriserv.com/about))
The company’s core business lines are retail banking, commercial banking, and wealth management. AmeriServ offers checking and savings accounts, home loans, consumer lending, business checking, business lending, credit cards, treasury-related services, and broader financial planning support. Its AmeriServ Wealth and Capital Management division houses trust services, estate planning and administration, investment portfolio management, custodial services, retirement plan administration, and the distribution of mutual funds, annuities, and insurance products. This mix gives the group a more diversified revenue profile than a pure spread lender, although it remains fundamentally a traditional banking franchise. ([ameriserv.com](https://www.ameriserv.com/about))
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Geographically, AmeriServ is concentrated in southwestern and central Pennsylvania, with an additional presence in Maryland, including the Hagerstown area. The latest SEC annual report indicates that the bank operates 16 branch locations across Allegheny, Cambria, Centre, Somerset, and Westmoreland counties in Pennsylvania, plus Washington County, Maryland. That footprint underscores a localized operating model rather than a broad multi-state platform. Its competitive strengths are local relationship banking, community familiarity, and the ability to cross-sell wealth management services to existing banking clients. At the same time, it faces intense competition from large national banks, regional banks, credit unions, fintech firms, mortgage specialists, and other non-bank financial providers. ([sec.gov](https://www.sec.gov/Archives/edgar/data/707605/000155837025003291/asrv-20241231x10k.htm?utm_source=openai))
Recent developments suggest a steady, incremental improvement story rather than a transformative one. In January 2025, AmeriServ reported a profitable full year 2024, with net income of $3.6 million, supported by stronger loan and deposit growth and better wealth management fees. In December 2025, the bank announced a strategic alliance with Federated Hermes aimed at broadening investment opportunities for wealth management customers in western Pennsylvania. From an equity analyst perspective, the stock profile is that of a small-cap U.S. regional bank with a local moat, a more meaningful fee-income component than many peers, and a relatively conservative growth trajectory. ([investors.ameriserv.com](https://investors.ameriserv.com/news-1/news/news-details/2025/AMERISERV-FINANCIAL-REPORTS-EARNINGS-FOR-THE-FULL-YEAR-OF-2024-AND-ANNOUNCES-QUARTERLY-COMMON-STOCK-CASH-DIVIDEND/default.aspx))
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