NASDAQ:ASRV · NASDAQ Global Market
-$0.03 today
Vol 0.01M · Avg 0.01M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of AmeriServ Financial, Inc. earnings power becomes long-term shareholder value. Use this page to compare ASRV returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
4.7%
avg 4.3%
ROIC
2.7%
avg 2.1%
ROA
0.4%
avg 0.4%
Analysis
ROE is currently the strongest return metric at 4.7% versus its period average of 4.3%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Jeffrey A. Stopko | President, Chief Executive Officer & Director | $441,329.00 | — | 63 | $65,334.00 | 0.39% |
David A. Finui | President of AmeriServ Wealth & Capital Management | $305,033.00 | — | 72 | $33,610.00 | 0.20% |
Michael D. Lynch | Executive Vice President, Chief Financial Officer, Chief Risk Officer & Chief Investment Officer | $304,349.00 | — | 65 | $156,049.00 | 0.92% |
Michael R. Baylor | Executive Vice President & Chief Lending Officer | $223,529.00 | — | 63 | $156,049.00 | 0.92% |
Bettina D. Fochler | Senior VP, Chief Credit Officer & CRO | — | — | — | — | — |
Tammie Slavick | Senior Vice President & Chief Information Officer | — | — | — | — | — |
Laura Fiore | Senior Vice President & Chief Auditor | — | — | — | — | — |
Wendy Gressick | Senior VP & Chief Loan Review Officer | — | — | — | — | — |
Kathleen Wallace | Senior Vice President & Retirement Services Manager | — | — | — | — | — |
Jessica L. Johnson | Senior VP & Chief Accounting Officer | — | — | — | — | — |
Michele Scanlan | Senior Vice President & Chief Human Resources Officer | — | — | — | — | — |
Catherine Torok | Senior Vice President & Chief Information Officer | — | — | — | — | — |
Susan Tomera Angeletti | Senior Vice President and Director of Corporate Marketing & Alternative Delivery Systems | — | — | — | — | — |
Matthew C. Rigo | Senior Vice President & Area Executive of Wilkins Twp. | — | — | — | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
6
$36,382.35
Sells
0
$0.00
Net Sentiment
+$36,382.35
Net buying
Most Active
STOPKO JEFFREY A
4 transactions
Analysis
Insiders reported 6 buys worth $36,382.35 and 0 sells worth $0.00 over the last 12 months. That adds up to net buying of $36,382.35. STOPKO JEFFREY A was the most active insider with 4 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | +13.9% | N/A8 analysts |
| Revenue | N/A | N/A | +1.4% | -1.6% (8yr)8 analysts |
| Net Income | N/A | N/A | +6.0% | N/A8 analysts |
| EBIT | N/A | N/A | +4.6% | -9.8% (8yr)8 analysts |
Analysis
Recent growth has been strongest in EPS at +13.9% over three years. Forward estimates point to Revenue at -1.6% (8yr), giving you a quick check on whether expectations are accelerating or cooling.
Competitors
Peer companies in the same sector
Pathward Financial, Inc.
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Broadway Financial Corp.
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First Seacoast Bancorp
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OptimumBank Holdings, Inc.
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Catalyst Bancorp, Inc.
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Home Federal Bancorp, Inc. of Louisiana
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Texas Community Bancshares, Inc.
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Who manages ASRV?
AmeriServ Financial, Inc. (ASRV) lists 14 active executives. The top listed executive is David A. Finui, President of AmeriServ Wealth & Capital Management.
Are ASRV insiders buying or selling?
Recent insider activity shows net buying of $1.13M.
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