8-K ·Filed Apr 21, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▼ Bearish
Monitor next quarter for trends in credit quality and expense management, as the increase in provision for credit losses and higher expenses reversed prior year improvements.
Final — all horizons settled through T+60d
ASRV ▼ -0.01% at T+60d
SHORT call ✓ call won +0.01% · α vs SPY +6.91% · entry $3.89 → $3.89
T+1d
+1.79%
call -1.79% · α -0.77%
$3.96
settled 6mo ago
T+5d
-2.58%
call +2.58% · α +3.66%
$3.79
settled 6mo ago
T+20d
-0.78%
call +0.78% · α +5.70%
$3.86
settled 5mo ago
T+60d
-0.01%
call +0.01% · α +6.91%
$3.89
settled 3mo ago
Price Chart
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Executive Summary
AmeriServ Financial reported Q1 2026 earnings of $0.11 per share, down from $0.12 in the prior year period, driven by a higher provision for credit losses and increased expenses. The company maintained its quarterly dividend.
Key Financial Metrics
EPS
$0.11
Revenue
$21.8M
-1.4% YoY
Rating
miss
Key Facts
- Q1 2026 diluted EPS was $0.11, down from $0.12 in Q1 2025
- Net income decreased 6.0% year-over-year to $1.794 million
- Provision for credit losses was $217,000, compared to a $97,000 recovery in the prior year
- Non-interest expense increased 5.1% year-over-year
- Board declared $0.03 per share quarterly dividend
Financial Impact
Net income decreased by $114,000 (6.0%) year-over-year
epsnet_incomeprovision_for_credit_lossesnon_interest_expense
Risk Factors
- Increased provision for credit losses indicates potential asset quality deterioration
- Higher non-interest expenses could pressure margins if sustained
Market Snapshot
Exchange
Nasdaq
Sector
National Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001104659-26-045779 |
| Document: asrv-20260421x8k.htm | 0001104659-26-045779 |
| Document: 0001104659-26-045779-index-headers.html | 0001104659-26-045779 |
| Document: 0001104659-26-045779-index.html | 0001104659-26-045779 |
| Document: 0001104659-26-045779.txt | 0001104659-26-045779 |
| 8-K Data (Synthetic) | 0001104659-26-045779 |
8 reports for ASRV
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $4.77 | awaiting T+60 | — | $4.71 (−1.26%) |
Oct 20, 2026 7d ago | 8-K | $4.67 | awaiting T+60 | — | $4.71 (+0.86%) |
Oct 20, 2026 7d ago | Press Release | $4.67 | awaiting T+60 | — | $4.71 (+0.86%) |
Jul 21, 2026 14w ago | 8-K | $3.93 $4.35 | ▲ +10.69% | ▲ +6.71% | $4.71 (+19.85%) |
Jul 21, 2026 14w ago | Press Release | $3.93 $4.35 | ▲ +10.69% | ▲ +6.71% | $4.71 (+19.85%) |
May 27, 2026 21w ago | 8-K | $3.83 $5.00 | ▲ +30.55% | ▲ +28.67% | $4.71 (+22.98%) |
Apr 21, 2026 27w ago | 8-K | $3.89 $3.89 | ▲ +0.01% | ▲ +6.91% | $4.71 (−21.07%) |
Mar 4, 2026 33w ago | 8-K | $3.73 $3.81 | ▲ +2.10% | ▼ −9.20% | $4.71 (+26.22%) |
Showing 8 of 8
US Market Status
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