ASRV · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Sep 17, 2026.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (11 versus 2). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| STOPKO JEFFREY APresident & CEO ASRV & Bank | Open-market or private purchase (P)Table I · Acquired · Common Stock | 2,000 | $4.94 | $9,880 | 171,379 | Sep 11, 2026 | 1 filed lot
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 6,502 | $3.32 | $21,587 | 8,752 | Sep 4, 2026 | 1 filed lot
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Open-market or private sale (S)Table I · Disposed · Common Stock | 6,502 | $4.77 | $31,015 | 2,250 | Sep 4, 2026 | 1 filed lot
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Option (Right to Buy) · 1 paired event | 6,502 | $3.32 | $21,587 | 0 | Sep 4, 2026 | 1 filed lot
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 3,498 | $3.32 | $11,613 | 5,748 | Aug 31, 2026 | 1 filed lot
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Open-market or private sale (S)Table I · Disposed · Common Stock | 3,498 | $5.11 | $17,875 | 2,250 | Aug 31, 2026 | 1 filed lot
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Option (Right to Buy) · 1 paired event | 3,498 | $3.32 | $11,613 | 6,502 | Aug 31, 2026 | 1 filed lot
|
| Bloomingdale Richard W.Director | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 215 | $5.1046 | $1,097 | 39,585 | Aug 17, 2026 | 1 filed lot
|
| Hickton David J.Director | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 195 | $5.1046 | $995 | 33,805 | Aug 17, 2026 | 1 filed lot
|
| Onorato Daniel A.Director | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 379 | $5.1046 | $1,935 | 65,714 | Aug 17, 2026 | 1 filed lot
|
| KUNKLE KIM WDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 1,048 | $5.1046 | $5,350 | See lot detail | Aug 17, 2026 | 3 filed lots
|
| FINUI DAVID AEVP - ASRV Wealth & Cap. Mgmt. | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 7 | $5.1046 | $36 | 2,250 | Aug 17, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $42.3M | 100% |
| |
| Income before tax | $6.8M | 16% |
|
| Income tax | $1.2M | 3% |
|
| $5.6M | 13% |
|
Flagship explainer
AMERISERV FINANCIAL INC /PA/'s filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $1.5B | 100% |
|
| Cash and equivalents | $50.9M | 4% |
|
| Property, plant and equipment | $13.9M | 1% |
|
| Goodwill | $13.6M | 1% |
|
| Deferred tax assets | $7.2M | 0% |
|
| Operating lease right-of-use assets | $1.4M | 0% |
|
| Total liabilities | $1.3B | 92% |
|
| Stockholders’ equity | $119M | 8% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $5.6M | FY2025 |
|
| Income before tax | $6.8M | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | $14.6M | FY2025 |
|
| Ending assets | $1.5B | FY2025 |
|
| Beginning assets | $1.4B | FY2024 |
|
| Ending equity | $119M | FY2025 |
|
| Beginning equity | $107M | FY2024 |
|
Flagship explainer
AMERISERV FINANCIAL INC /PA/’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $3.2M | 100% |
|
| Depreciation and amortization | $1.7M | 53% |
|
| Cash from investing | $11.1M | 347% |
|
| Cash from financing | $18.9M | 593% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
0 holding0 exited0 not holding0/19 resolved19 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Abrams Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Akre Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Baupost Group | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Berkshire Hathaway | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Brave Warrior Advisors | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Dodge & Cox | Not retrieved | Comparison not retrieved | Filing not retrieved |
| First Eagle | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Fundsmith | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gardner Russo & Quinn | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gates Foundation Trust | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Mairs & Power | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Markel / Markel-Gayner | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Oakmark / Harris Associates | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Polen Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Sequoia / Ruane Cunniff | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Southeastern Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Tweedy, Browne | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Yacktman Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Sep 17, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 5.0% on average equity, above the 10% hurdle in 0% of 9 years.
Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 90% of 10 years, ROE volatile.
Net interest income is 2.99% of average assets, very steady over 9 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 42 | |
| Jul 26, 2026 | 44 | |
| Jul 26, 2026 | 44 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.