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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
What the company returns to shareholders — and whether it's covered by cash.
The dividend takes 96% of free cash flow — sustainable but with limited headroom. Last year: $2.0M dividends + $0 buybacks = $2.0M returned on $2.1M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 5%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $14.6M 100.0% | $15.6M 100.0% | $14.5M 100.0% | $14.7M 100.0% | $15.0M 100.0% | $12.8M 100.0% | $12.8M 100.0% | $12.8M 100.0% | — | — |
| Interest Expense | $29.1M 198.8% | $30.5M 195.0% | $24.8M 171.4% | $8.5M 57.6% | $7.6M 50.7% | $10.5M 82.0% | $14.3M 112.3% | $11.6M 90.6% | $8.8M | $7.7M |
| Pretax Income | $6.8M 46.4% | $4.4M 28.2% | -$4.4M -30.3% | $9.2M 62.4% | $8.8M 58.6% | $5.8M 45.3% | $7.6M 59.6% | $9.4M 73.8% | $8.7M | $3.2M |
| Income Tax Expense | $1.2M 8.1% | $798K 5.1% | -$1.0M -7.2% | $1.8M 11.9% | $1.7M 11.4% | $1.2M 9.5% | $1.6M 12.3% | $1.7M 13.1% | $5.4M | $897K |
| Net Income | $5.6M 38.3% | $3.6M 23.1% | -$3.3M -23.1% | $7.4M 50.5% | $7.1M 47.2% | $4.6M 35.9% | $6.0M 47.2% | $7.8M 60.7% | $3.3M | $2.3M |
| Per Share | ||||||||||
| EPS (Basic) | $0.34 | $0.21 | -$0.20 | $0.44 | $0.41 | $0.27 | $0.35 | $0.43 | $0.18 | $0.12 |
| EPS (Diluted) | $0.34 | $0.21 | -$0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 | $0.18 | $0.12 |
| Weighted Avg Shares (Basic) | 16.5M | 16.8M | 17.1M | 17.1M | 17.1M | 17.1M | 17.4M | 17.9M | 18.5M | 18.9M |
| Weighted Avg Shares (Diluted) | 16.5M | 16.8M | 17.1M | 17.1M | 17.1M | 17.1M | 17.4M | 18.0M | 18.6M | 19.0M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Ranked against 16 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $912.4B | 17.2× | — | 5.0× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 1,974 |
| BAC | $354.0B | 13.4× | — | 3.1× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 1,281 |
| C | $208.2B | 18.0× | — | 2.4× | 5.6% | — | 16.8% | 6.7% | 2.5% | — | — |
| COF | $128.1B | 51.8× | — | 2.4× | 36.6% | — | 4.6% | 2.2% | 2.1% | — | 645 |
| USB | $94.5B | 13.1× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 685 |
| PNC | $92.1B | 14.0× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 677 |
| KEY | $22.7B | 14.1× | — | 3.0× | 62.7% | — | 24.3% | 9.0% | 6.0% | — | 248 |
| FHN | $11.2B | 12.7× | — | 3.3× | 7.2% | — | 28.7% | 11.1% | 8.1% | — | — |
| CFR | $9.8B | 15.9× | — | 4.4× | 8.3% | — | 29.0% | 14.2% | 14.2% | — | 149 |
| WBHC | $6.8B | 87.9× | — | 19.1× | 14.2% | — | 21.2% | 13.0% | 12.8% | — | — |
| CBU | $3.3B | 16.0× | — | 4.1× | 9.6% | — | 25.7% | 10.5% | 10.5% | — | 58 |
| PRK | $3.3B | 16.3× | — | 4.9× | 2.9% | — | 27.1% | 13.3% | 12.6% | — | 61 |
| BANC | $2.9B | 15.9× | — | 1.6× | -3.8% | — | 12.6% | 6.5% | 4.1% | — | 48 |
| NBTB | $2.8B | 15.9× | — | 15.0× | 10.4% | — | 92.5% | 8.9% | 8.3% | — | 62 |
| CASH | $1.6B | 9.7× | — | 1.9× | 5.3% | — | 22.1% | 21.7% | 20.6% | — | 46 |
| HAFC | $977M | 13.2× | 12.3× | 3.6× | 15.3% | — | 28.2% | 9.6% | 9.6% | 0.0× | 38 |
| ASRV | $84M | 14.5× | — | 5.7× | -6.3% | — | 38.3% | 4.7% | 4.7% | — | 3 |
Peers = companies sharing ASRV's sector (National Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 6 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-11 | Stopko Jeffrey A President & CEO ASRV & Bank | Plan purchase | 2,000 | $4.94 | $10k |
| 2026-09-04 | 6 co-filers EVP - ASRV Wealth & Cap. Mgmt. | Option exercise | 6,502 | $3.32 | $22k |
| 2026-09-04 | 6 co-filers EVP - ASRV Wealth & Cap. Mgmt. | Exercise & sell | 6,502 | $4.77 | $31k |
| 2026-09-04 | 6 co-filers EVP - ASRV Wealth & Cap. Mgmt. | Option exercise | 6,502 | $3.32 | — |
| 2026-08-31 |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
EOD close · as of 2026-10-30
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2018 | not reported | not reported | 60.7% |
| FY2019 | not reported | not reported | 47.2% |
| FY2020 | not reported | not reported | 35.9% |
| FY2021 | not reported | not reported | 47.2% |
| FY2022 | not reported | not reported | 50.5% |
| FY2023 | not reported | not reported | -23.1% |
| FY2024 | not reported | not reported | 23.1% |
| FY2025 | not reported | not reported | 38.3% |
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
6 co-filers EVP - ASRV Wealth & Cap. Mgmt. |
| Option exercise3d late |
| 3,498 |
| $3.32 |
| $12k |
| 2026-08-31 | 6 co-filers EVP - ASRV Wealth & Cap. Mgmt. | Exercise & sell3d late | 3,498 | $5.11 | $18k |
| 2026-08-31 | 6 co-filers EVP - ASRV Wealth & Cap. Mgmt. | Option exercise3d late | 3,498 | $3.32 | — |
| 2026-08-17 | 3 co-filers Group filing | Grant2d late | 757 | $5.10 | $4k |
| 2026-08-17 | Bloomingdale Richard W. Director | Grant2d late | 215 | $5.10 | $1k |
| 2026-08-17 | Hickton David J. Director | Grant2d late | 195 | $5.10 | $995 |
| 2026-08-17 | Onorato Daniel A. Director | Grant2d late | 379 | $5.10 | $2k |
| 2026-08-17 | Finui David A EVP - ASRV Wealth & Cap. Mgmt. | Grant2d late | 7 | $5.10 | $36 |
| 2026-08-17 | 3 co-filers Group filing | Grant2d late | 237 | $5.10 | $1k |
| 2026-08-17 | 3 co-filers Group filing | Grant2d late | 54 | $5.10 | $276 |
| 2026-06-02 | Adams J Michael Jr Director | Grant | 7,250 | $3.79 | $27k |
| 2026-06-02 | Bloomingdale Richard W. Director | Grant | 7,250 | $3.79 | $27k |
| 2026-06-02 | Bradley Amy Director | Grant | 7,250 | $3.79 | $27k |
| 2026-06-02 | Hickton David J. Director | Grant | 7,250 | $3.79 | $27k |
| 2026-06-02 | Kunkle Kim W Director | Grant | 7,250 | $3.79 | $27k |
| 2026-06-02 | Onorato Daniel A. Director | Grant | 7,250 | $3.79 | $27k |
| 2026-06-02 | Pasquerilla Mark E Director | Grant | 7,250 | $3.79 | $27k |
| 2026-05-18 | Finui David A Pres. ASRV Wealth & Cap. Mgmt. | Grant9d late | 9 | $3.92 | $35 |
| 2026-05-18 | Onorato Daniel A. Director | Grant9d late | 434 | $3.92 | $2k |
| 2026-05-18 | 3 co-filers Group filing | Grant9d late | 921 | $3.92 | $4k |
| 2026-05-18 | Hickton David J. Director | Grant9d late | 196 | $3.92 | $769 |
| 2026-05-18 | Bloomingdale Richard W. Director | Grant9d late | 222 | $3.92 | $871 |
| 2026-05-18 | 3 co-filers Group filing | Grant9d late | 305 | $3.92 | $1k |
| 2026-05-18 | 3 co-filers Group filing | Grant9d late | 69 | $3.92 | $271 |
| 2026-05-05 | Stopko Jeffrey A President & CEO ASRV & Bank | Plan purchase | 3,000 | $3.85 | $12k |
| 2026-02-17 | Finui David A Pres. ASRV Wealth & Cap. Mgmt. | Grant3d late | 9 | $3.84 | $35 |
| 2026-02-17 | Onorato Daniel A. Director | Grant3d late | 440 | $3.84 | $2k |
| 2026-02-17 | 3 co-filers Group filing | Grant3d late | 934 | $3.84 | $4k |
| 2026-02-17 | Bloomingdale Richard W. Director | Grant3d late | 226 | $3.84 | $867 |
| 2026-02-17 | Hickton David J. Director | Grant3d late | 199 | $3.84 | $763 |
| 2026-02-17 | 3 co-filers Group filing | Grant3d late | 310 | $3.84 | $1k |
| 2026-02-17 | 3 co-filers Group filing | Grant3d late | 70 | $3.84 | $269 |
| 2026-01-23 | 2 co-filers EVP & CFO | Option exercise5d late | 3,000 | $2.96 | $9k |
| 2026-01-23 | 2 co-filers EVP & CFO | Option exercise5d late | 3,000 | $2.96 | — |
| 2025-11-17 | Hickton David J. Director | Grant2d late | 230 | $3.28 | $755 |
| 2025-11-17 | Bloomingdale Richard W. Director | Grant2d late | 261 | $3.28 | $856 |
Where each multiple sits in its own 14-yr range · 95th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 5% against ROIC 5% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | 13.1 | 12.3 | 9.5 | 11.4 | 11.9 | -7.2 | 5.1 | 8.1 |
| Net Income | 60.7 | 47.2 | 35.9 | 47.2 | 50.5 | -23.1 | 23.1 | 38.3 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on ASRV: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Return on equity (5%) and return on invested capital (5%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
Free cash flow has fallen short of reported profit in 3 of the last three years.
| Step | Amount | Running total |
|---|---|---|
| Net income | $6M | $6M |
| Share-based comp | not reported | not reported |
| Other non-cash & working capital | −$2M | $3M |
| Operating cash flow | $3M | $3M |
| Capex | −$1M | $2M |
| Free cash flow | $2M | $2M |
| Fiscal year | Revenue growth | Receivables growth | Gap |
|---|---|---|---|
| FY2020 | 0.5% | not reported | not reported |
| FY2021 | 16.7% | not reported | not reported |
| FY2022 | -1.5% | not reported | not reported |
| FY2023 | -1.7% | not reported | not reported |
| FY2024 | 7.8% | not reported | not reported |
| FY2025 | -6.3% | not reported | not reported |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | 0.1 percent |
| FY2020 | 0.5 percent |
| FY2021 | -0.2 percent |
| FY2022 | 0.2 percent |
| FY2023 | -0.7 percent |
| FY2024 | 0.1 percent |
| FY2025 | 0.2 percent |
Below the line, the asset base is being consumed faster than it is replaced.
Below the line for 1 year to the latest.
The cash conversion cycle could not be computed — receivables, inventory or cost of revenue is not reported — so the earliest accrual warning is not part of this verdict.
Missing from our data, so excluded from this answer: share_based_compensation.
Leverage is not measurable this way for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $4.91, free cash flow must compound 13.87%/yr for 10 years. It has done -0.05%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | −230.4% | 13.9% |
| FY2022 | −64.0% | 13.9% |
| FY2023 | 56.8% | 13.9% |
| FY2024 | −80.1% | 13.9% |
| FY2025 | 111.4% | 13.9% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
Depreciation here includes amortisation of acquired intangibles — goodwill written down over time, customer lists, acquired technology. Capex does not replace those and is not meant to, so an acquisitive or asset-light company sits below 1.0 permanently and correctly. The signal is cleanest for capital-intensive businesses, where the two measure the same physical base. For that reason this informs the earnings-quality verdict but never caps it.