Stock Ratings / Financials / ASRV / options

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AmeriServ Financial Inc. (ASRV) Options Positioning, Max Pain & Unusual Sweeps

$4.91 -0.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.90

AmeriServ Financial Inc. (ASRV) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $83.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ASRV Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ASRV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, AmeriServ Financial Inc. (NASDAQ: ASRV) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $4.91 (-0.41% 1D, market cap $83.7M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, ASRV ranks #359 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ASRV compare to UBCP and PBHC in the Financials sector?

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Within the Financials sector (Major Banks), ASRV carries a Roarable C (63/100 RQD), trailing P/E of 14.9x, gross margin of —, and ROIC of 4.7%. By comparison, UBCP (United Bancorp Inc.) holds a C- grade (60/100 RQD, P/E 10.8x, ROIC 11.0%, cap $83.7M) and PBHC (Pathfinder Bancorp Inc. (MD)) posts a D grade (51/100 RQD, P/E N/A, ROIC -1.6%, cap $81.9M). Among the 5-stock peer group, UBCP leads on earnings multiple (10.8x) while UBCP leads on capital efficiency (11.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ASRV?

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Per ASRV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000707605), AmeriServ Financial Inc. generated $14.6M in revenue (-6.3% YoY), $5.6M in net income, and $3.2M in free cash flow against $1.45B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $4.90 (-0.26%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 21.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ASRV)Realized 20D OHLCV Swing Band: ±10.1%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY ASRV SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 81% of 52W Range • RSI-14 at 59 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 0% operating margin leave 13 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$4.39+3.4% Next Q

Q2 (-2Q)

Grade C$4.54+5.1% Next Q

Q3 (-1Q)

Grade C$4.77+2.9% Next Q

Current

Grade C$4.91+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ASRV Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, ASRV faces multiple-compression risk if 14.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($4.71) or 200D SMA ($4.08) invalidates the momentum regime and cuts Target Base ($5.02) toward Bear Floor ($3.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ASRV• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ASRV Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±10.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ASRV)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ASRV.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating ASRV & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on ASRV
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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ASRV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.99%📐 HORIZONTAL RANGE

2026-10-30O $4.88H $4.94L $4.50C $4.91VOL 18.8K

RES: $5.50SUP: $4.01SMA50: $4.71SMA200: $4.08

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ASRV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ASRV Butterfly Map → + Track ASRV →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.0%/yr Implied 5Y Growth

vs. -6.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ASRV today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ASRV. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ASRV today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ASRV)

Financials Rank #359 of 1096 ⚔️ UBCP vs ASRV Full Matrix →

1. Head-to-Head Financials Peer Comparison (ASRV vs. UBCP, PBHC, SSBI, AUBN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, AmeriServ Financial Inc. (ASRV) ranks #359 by composite RQD confidence (63/100, grade C) and #981 by equity capitalization ($83.7M). Within this direct 5-issuer industry benchmark cohort, UBCP leads on earnings valuation at 10.8x trailing P/E, while UBCP leads on capital efficiency and profitability with 11.0% ROIC and — gross margin. ASRV currently leads its immediate peer cohort in composite quantitative strength at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ASRV ACTIVE AmeriServ Financial Inc.	C	63/100	14.9x	—	4.7%	-0.41%	$83.7M	Benchmark Subject
UBCP United Bancorp Inc.	C-	60/100	10.8x	—	11.0%	-3.02%	$83.7M	/ubcp-vs-asrv →
PBHC Pathfinder Bancorp Inc. (MD)	D	51/100	—	—	-1.6%	+1.68%	$81.9M	/pbhc-vs-asrv →
SSBI Summit State Bank	C-	59/100	—	—	—	-2.97%	$78.6M	/ssbi-vs-asrv →
AUBN Auburn National Bancorporation Inc.	D+	56/100	—	—	—	0.00%	$89.6M	/aubn-vs-asrv →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000707605

In its most recent audited fiscal period (FY2025, filed 2025-12-31), AmeriServ Financial Inc. (ASRV) reported GAAP revenue of $14.6M (-6.3% vs. FY2024 revenue of $15.6M , and +1.0% cumulative change since FY2023) , GAAP net income of $5.6M, operating cash flow of $3.2M, and free cash flow of $3.2M (+18.6% YoY). On the balance sheet, ASRV closed FY2025 with $1.45B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$14.6M	$5.6M	$3.2M	$3.2M	$1.45B	—
FY2024 (FY)	2024-12-31	$15.6M	$3.6M	$2.7M	$2.7M	$1.42B	—
FY2023 (FY)	2023-12-31	$14.5M	-$3.3M	$6.3M	$6.3M	—	—

3. ASRV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ASRV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ASRV compare to UBCP and PBHC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ASRV?

Where is ASRV trading relative to its 50-day, 200-day, and 52-week technical levels?

ASRV last traded at $4.91 (-0.41% on volume of 18,785 shares), positioning the stock +4.25% above its 50-day simple moving average ($4.71) and +20.34% above its 200-day simple moving average ($4.08). Across its 52-week range of $2.96 to $5.38, ASRV sits at the 80.6% percentile with a 14-day RSI of 59.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±10.1% ($4.41 to $5.41).

ASRV Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ASRV's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for ASRV.

Direct Sub-Reports: ASRV RQD Cockpit ASRV 12M Forecast ASRV Earnings & Move ASRV Dividends & DRIP ASRV Insiders & 13F ASRV Whale Options ASRV Profit Sankey ASRV News & Why

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ASRV — AmeriServ Financial Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:44:46Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ASRV scores 63 out of 100, grade C, with the verdict label "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

Fundamental Cash Engine: 7 / 20. Scored on ROIC of 4.7% and FCF yield of 3.81%. This is the weakest pillar and indicates modest returns on invested capital relative to the stock's cash generation.
Whale 13F Flow: 12 / 20. Reflects institutional accumulation and options positioning. Holder-level detail is not available in source data, so the drivers of this score cannot be traced further.
Insider Conviction: 15 / 20. Reflects SEC Form 4 and Congressional PTR cluster flow. Individual transactions are referenced in the news section but not itemized in the holders data.
Macro Regime Fit: 16 / 20. Reflects beta of 1.0 and sector sensitivity. This is the strongest pillar and indicates the stock's market sensitivity is neutral rather than amplified.
Forensic Balance Sheet: 13 / 20. Scored on Altman Z of 2.5, Piotroski F of 4/9, and Debt/Equity of 0.5.

For a prospective investor, the rating describes a balanced profile rather than a clear directional signal. Upside drivers in the scoring are the market-regime fit and insider-activity pillars. The principal constraint is the low cash-engine score, which means the current price is not strongly supported by the cash-return metrics in this dataset. Valuation tradeoffs are visible in the P/E of 14.9 (TTM) against a forward P/E of 13.9 and an EPS of 0.33. Investors weighing this name should note that the balance-sheet pillar sits mid-range rather than strong, and the rating does not imply a recommendation to buy or sell.

Recent Catalysts & News Wire Analysis

Q3 earnings improvement (MARKET WIRE, YELLOW): A Yahoo Finance headline reports a stock rise of 9% tied to Q3 earnings improving year over year.
Ameriprise partnership (CATALYST, GREEN): Multiple outlets report a partnership to expand wealth management.
Director holdings disclosure (MARKET WIRE, YELLOW): Stock Titan reports direct holdings of 41,663 shares for director Amy Bradley.
Pre-market move (CATALYST, GREEN): kalkine.ca reports a 5.83% pre-market gain.
Price slip (MARKET WIRE, YELLOW): A headline reports a 4.84% decline to $4.42 toward support.

The butterfly supply-chain graph reports supply_chain as NONE, with no butterfly links and no proprietary signals. Risk-watch items in the news are the intraday price reversal and the pressure toward support; the price shown in market data is $4.91 with a change of -0.41%.

Analyst View & Smart Money Ownership

Analyst consensus, price targets, and holder records are not available in the source data (analyst data and holders sections both report NONE). Director share-holding data is referenced in the news section only.

Open Questions

What is the cash and debt composition behind the Debt/Equity of 0.5 and the Altman Z-Score of 2.5?
Why is operating income reported as $0.0M in every period while net income is positive, and how is that reconciled?
What institutional and insider transactions underlie the whale and insider pillar scores?
What is the Q3 earnings figure behind the reported year-over-year improvement?
What is the size and revenue contribution of the Ameriprise wealth-management partnership?

ASRV Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for AmeriServ Financial Inc. (ASRV) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ASRV Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 6h ago

AmeriServ Stock Rises 9% as Q3 Earnings Improve Year Over Year

Yahoo Finance report covering AmeriServ Financial Inc. (ASRV) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 9h ago

AmeriServ Bank Partners with Ameriprise Financial

Yahoo Finance report covering AmeriServ Financial Inc. (ASRV) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 12h ago

Direct holdings total 41,663 shares for AmeriServ Financial (ASRV) director Amy Bradley.

Stock Titan report covering AmeriServ Financial Inc. (ASRV) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST kalkine.ca • 15h ago

Why Is AmeriServ Financial (NASDAQ:ASRV) Up 5.83% Pre-Market, and Can the Rally Hold at the Open?

kalkine.ca report covering AmeriServ Financial Inc. (ASRV) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST The Globe and Mail • 18h ago

AmeriServ Financial expands wealth management via Ameriprise partnership

The Globe and Mail report covering AmeriServ Financial Inc. (ASRV) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 21h ago

AmeriServ Financial (ASRV) Slips 4.84% to $4.42, Pressing Toward Key Support - Virgin POC

https://www.dars.gov.et/ report covering AmeriServ Financial Inc. (ASRV) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo • 13d ago

AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE THIRD QUARTER AND FIRST NINE MONTHS OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

AmeriServ Financial, Inc. (NASDAQ: ASRV) reported third quarter 2026 net income of $3,100,000, or $0.18 per diluted common share. This earnings performance represented a $556,000, or 21.9%, improvement from the third qua

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 13d ago

AmeriServ Financial Q3 EPS $0.18 Up From $0.15 YoY, Sales $15.963M Up From $15.408M YoY

AmeriServ Financial (NASDAQ:ASRV) reported quarterly earnings of $0.18 per share. This is a 20 percent increase over earnings of $0.15 per share from the same period last year. The company reported $15.963 million in

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ASRV Bull vs. Bear Conversation Board — What's Your Call at $4.91?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ASRV 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $5.30 (+7.9%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ASRV (C • RQD 63/100) a Buy at $4.91?

Welcome to the ASRV (AmeriServ Financial Inc.) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $3.93 (-20.0%)

Spot @ $4.91

Pump the brakes on ASRV — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ASRV, but look at what you are paying: 14.9x trailing P/E with tightening sector spreads. Unless AmeriServ Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $5.79 (+17.9%)

Spot @ $4.91

ASRV cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ASRV, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $4.91 (52-wk range $2.96 - $5.38), any beat on forward guidance forces shorts and underweight funds to chase.