What is the 13F Pro Quality Score for ASRV?

13F Pro ranks AMERISERV FINANCIAL INC /PA/ (ASRV) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ASRV's current score at https://13fpro.ai/research/ASRV (free sign-up required for the full ranking).

Where does 13F Pro source ASRV data?

All AMERISERV FINANCIAL INC /PA/ fundamentals and ownership data come directly from SEC EDGAR. AMERISERV FINANCIAL INC /PA/ files with the SEC under CIK 707605. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ASRV in?

AMERISERV FINANCIAL INC /PA/ (ASRV) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ASRV research updated on 13F Pro?

ASRV's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

AMERISERV FINANCIAL INC /PA/(ASRV)Stock Analysis

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Financials →Nasdaq

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SEC EDGAR: CIK 707605 ASRV stock profile & AI dashboard →

13F Pro Quality Score

51.2/100

Rank #1,413 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

27.0/100

Profitability

94.6/100

Balance Sheet

38.4/100

Earnings Quality

71.9/100

Free Cash Flow

74.0/100

Institutional Flow

26.9/100

Revenue Scale

4.3/100

Dilution Risk

89.5/100

ASRV Stock Analysis & AI Quality Score

AI stock analysis and institutional research for AMERISERV FINANCIAL INC /PA/ (ASRV), a Financials sector company. 13F Pro's AI-powered ranking engine scores ASRV at 51.2/100 on a 32-signal composite quality model, placing it at rank #1,413 of 2,879 stocks — the top half of the AI-ranked universe. ASRV scores in the top quartile across profitability (94.6). Areas of concern include revenue scale (4.3) and institutional flow (26.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), AMERISERV FINANCIAL INC /PA/ reports quarterly revenue of $3.6M, net income of $1.8M, free cash flow of $356.0K. Top institutional holders of ASRV by reported 13-F value include GENDELL JEFFREY L, DIMENSIONAL FUND ADVISORS, WEST CHESTER CAPITAL ADVISORS,, based on the most recent SEC filings. ASRV trades on the Nasdaq exchange and files with the SEC under CIK 707605. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ASRV daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for AMERISERV FINANCIAL INC /PA/ directly from SEC EDGAR. AMERISERV FINANCIAL INC /PA/'s 13F Pro composite quality score has ranged between 31 and 51 since 2024, currently 51.2 — an improving long-term trajectory across 15 quarterly and live scoring snapshots.

Revenue

Q1 2026

$3.6M

Net Income

Q1 2026

$1.8M

Free Cash Flow

Q1 2026

$356.0K

ROIC

Q1 2026

1.8%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+7.8% YoY

$15.6MFY 2024

FY20 $12.8MFY22 $14.7MFY23 $14.5MFY24 $15.6M

Net Income

+207.6% YoY

$3.6MFY 2024

FY20 $4.6MFY22 $7.4MFY23 $-3.3MFY24 $3.6M

EPS (Diluted)

+205.0% YoY

$0.21FY 2024

FY20 $0.27FY22 $0.43FY23 $-0.20FY24 $0.21

Total Assets

+2.4% YoY

$1.42BFY 2024

FY20 $1.28BFY22 $1.36BFY23 $1.39BFY24 $1.42B

Total Debt

-64.2% YoY

$14.6MFY 2024

FY20 $24.7MFY22 $88.6MFY23 $41.0MFY24 $14.6M

Op. Cash Flow

-57.3% YoY

$2.7MFY 2024

FY20 $-1.4MFY22 $5.2MFY23 $6.3MFY24 $2.7M

Metric	FY 2024	FY 2023	FY 2022	FY 2020	FY 2015	FY 2014
Revenue	$15.6M +7.8%	$14.5M -1.7%	$14.7M +14.9%	$12.8M	—	—
Net Income	$3.6M +207.6%	$-3.3M -144.9%	$7.4M +62.0%	$4.6M -23.3%	$6.0M +98.4%	$3.0M
EPS (Diluted)	$0.21 +205.0%	$-0.20 -146.5%	$0.43 +59.3%	$0.27 -12.9%	$0.31 +106.7%	$0.15
Total Assets	$1.42B +2.4%	$1.39B +1.9%	$1.36B +6.3%	$1.28B +11.7%	$1.15B +5.4%	$1.09B
Total Debt	$14.6M -64.2%	$41.0M -53.8%	$88.6M +258.8%	$24.7M	—	—
Operating Cash Flow	$2.7M -57.3%	$6.3M +20.7%	$5.2M +479.4%	$-1.4M -114.0%	$9.8M	—

AI Insight: ASRV Financial Trends

Equity base grew 16% from Q2 2024 to Q1 2026, but revenue and profitability remain flat and volatile with minimal cash generation.

• Equity expanded from $104M (Q2 2024) to $121M (Q1 2026), a 16% increase reflecting retained earnings.

• Total debt declined sharply from $35M (Q2 2024) to near-zero $3M (Q2 2025), then stabilized at $15M by Q4 2025.

• Revenue stuck at $4M per quarter (except Q1 2025 dip to $3M); net income swings between losses and $3M highs with no sustained trend.

⚠ Operating cash flow oscillates between -$0M and $3M—no consistent generation despite debt reduction, signaling fragile liquidity.

⚠ Q1 2026 shows zero operating cash flow and missing debt figure; earnings quality and balance-sheet transparency unclear.

AI Insight: ASRV Ratio Trends

Profitability surged in Q1 2026 after volatile 2025, but earnings remain heavily seasonal and returns remain below 10%.

• Operating margin rebounded to 61.5% in Q1 2026 from -9.8% in Q2 2025, with NPM recovering to 49.7%.

• ROIC improved to 7.4% in Q1 2026 vs. 5.0% in Q4 2025, with leverage minimal (D/E 0.12).

• Alternating quarters of strong and weak profitability persist: Q2 2025 and Q2 2024 both deeply negative.

⚠ Q2 pattern: negative margins in Q2 2024 (-12.5% OpM) and Q2 2025 (-9.8% OpM) suggest structural seasonal weakness.

⚠ Absolute returns modest: TTM ROE 4.5% and ROA 0.4% lag peer averages; ROIC 5.5% below cost of capital.

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Available Research

13F Pro tracks comprehensive data for AMERISERV FINANCIAL INC /PA/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ASRV

GENDELL JEFFREY L
$5.9M1,635,677 sh
DIMENSIONAL FUND ADVISORS LP
$4.2M1,153,700 sh
WEST CHESTER CAPITAL ADVISORS, INC
$3.2M889,090 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.4M658,395 sh
RENAISSANCE TECHNOLOGIES LLC
$2.0M564,474 sh
Oppenheimer & Close, LLC
$1.3M352,583 sh
EWA, LLC
$889.1K245,612 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$748.0K206,629 sh
GEODE CAPITAL MANAGEMENT, LLC
$522.9K144,393 sh
BlackRock, Inc.
$507.7K140,255 sh

Fund	Value	Shares
GENDELL JEFFREY L	$5.9M	1,635,677
DIMENSIONAL FUND ADVISORS LP	$4.2M	1,153,700
WEST CHESTER CAPITAL ADVISORS, INC	$3.2M	889,090
VANGUARD CAPITAL MANAGEMENT LLC	$2.4M	658,395
RENAISSANCE TECHNOLOGIES LLC	$2.0M	564,474
Oppenheimer & Close, LLC	$1.3M	352,583
EWA, LLC	$889.1K	245,612
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$748.0K	206,629
GEODE CAPITAL MANAGEMENT, LLC	$522.9K	144,393
BlackRock, Inc.	$507.7K	140,255

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Is ASRV a good stock to buy?

13F Pro's AI-powered analysis of AMERISERV FINANCIAL INC /PA/ (ASRV) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ASRV are available on the ASRV stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ASRV?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ASRV. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of AMERISERV FINANCIAL INC /PA/'s investment landscape.