AMERISERV FINANCIAL INC /PA/ ASRV
Nasdaq · XNAS · stock · National Commercial Banks
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
35.3%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $14.6M | $5.6M | — | — | $119.3M |
| 2024 | $15.6M | $3.6M | — | — | $107.2M |
| 2023 | $14.5M | -$3.3M | — | — | $102.3M |
| 2022 | $14.7M | $7.4M | — | — | $106.2M |
| 2021 | $15.0M | $7.1M | — | — | $116.5M |
| 2020 | $12.8M | $4.6M | — | — | $104.4M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| ADAMS J MICHAEL JR | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| Bloomingdale Richard W. | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| Bradley Amy | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| Hickton David J. | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| KUNKLE KIM W | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| Onorato Daniel A. | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| PASQUERILLA MARK E | director | 2026-06-02 | Grant | 7,250 | $3.79 |
| Onorato Daniel A. | director | 2026-05-18 | Grant | 434 | $3.92 |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000707605 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.