4.73
-1.66%
Close of 9 Nov 2026, in USD
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About Ameriserv Financial
From its filings with the US Securities and Exchange Commission
Ameriserv Financial is based in Johnstown, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker ASRV. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $14.6m and net income of $5.6m. At that date it held total assets of $1.45bn and shareholders' equity of $119.3m.
As a bank holding company, the Company is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking and Securities (PDB). The Company is also under the jurisdiction of the Securities and Exchange Commission (SEC) for matters relating to registered offerings and sales of its securities under the Securities Act of 1933, as amended, and the disclosure and regulatory requirements of the Securities Exchange Act of 1934, as amended. The Company’s common stock is listed on The NASDAQ Stock Market under the trading symbol “ASRV,” and the Company is subject to the NASDAQ rules applicable to listed companies.
The Bank is a state bank chartered under the Pennsylvania Banking Code of 1965, as amended (Banking Code). Through 16 branch locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania and Washington county, Maryland, the Bank conducts a general banking business.
Quoted from its 10-K, filed 18 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 30 Jan 1985
- Employees
- 311
- Website
- ameriserv.com ↗
- Head office
- MAIN & FRANKLIN STS, JOHNSTOWN, PA, 15907
- Incorporated in
- PA
- Classification
- National Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. J. Michael AdamsIndependent Chairman of the Board$138,074
- Mr. Jeffrey StopkoPresident, Chief Executive Officer, Director, since 2010$503,959
- Mr. Kim KunkleIndependent Vice Chairman of the Board$102,074
- Mr. Michael LynchChief Financial Officer, Executive Vice President, Chief Investment Officer, Chief Risk Officer$324,675
- Mr. David FinuiPresident of AmeriServ Wealth and Capital Management$301,904
- Mr. Richard BloomingdaleIndependent Director$62,020
- Ms. Amy BradleyIndependent Director$68,124
- Mr. David HicktonIndependent Director$53,324
- Mr. Daniel OnoratoIndependent Director$53,474
- Mr. Mark PasquerillaIndependent Director$78,274
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Ameriserv Financial Inc has a strong presence in the financial services industry, allowing it to leverage its brand reputation and extensive customer base.
- The company has a well-established network of branches and ATMs, providing convenient access to financial services for its customers.
- Ameriserv Financial Inc offers a wide range of financial products and services, including banking, lending, and investment solutions, catering to diverse customer needs.
- The company has a talented and experienced workforce, capable of delivering high-quality customer service and driving business growth.
Weaknesses
- Ameriserv Financial Inc faces intense competition from other financial institutions operating both locally and nationally, impacting its market share and profitability.
- The company's dependence on interest income from loans exposes it to interest rate risks and potential fluctuations in profitability.
- Ameriserv Financial Inc may have limited brand awareness outside its core market, making it challenging to expand its customer base and reach new markets.
- The company's physical branch network may become a weakness in an increasingly digital banking environment, requiring continuous investment in technological advancements.
Opportunities
- The growing demand for digital financial services presents an opportunity for Ameriserv Financial Inc to enhance its online and mobile banking capabilities and attract tech-savvy customers.
- Expanding into new geographical markets or acquiring smaller regional banks can help Ameriserv Financial Inc diversify its revenue streams and increase market share.
- The company can leverage emerging technologies, such as artificial intelligence and data analytics, to improve operational efficiency, personalize customer experiences, and gain a competitive edge.
- Partnerships with fintech companies can enable Ameriserv Financial Inc to offer innovative digital solutions and keep up with evolving customer preferences.
Threats
- Regulatory changes and compliance requirements pose a threat to Ameriserv Financial Inc's operations and profitability.
- Cybersecurity risks and data breaches can damage the company's reputation and erode customer trust, necessitating robust measures to protect sensitive financial information.
- Economic downturns and financial market volatility can negatively impact Ameriserv Financial Inc's loan portfolio quality and overall financial performance.
- Changing customer preferences and behaviors, such as a shift towards digital banking, may require significant investments in technology and infrastructure to remain competitive.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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