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ASRV Dividend DRIP Calculator 2026
3.09% YieldFinancial ServicesAmeriServ Financial, Inc. · NASDAQ
Price: $3.88 · Annual div: $0.12/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When ASRV pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in ASRV → $446.1K in 10 years · $168.16/month
About AmeriServ Financial, Inc. (ASRV) — Dividend Analysis 2026
AmeriServ Financial, Inc. operates as the holding company for AmeriServ Financial Bank, providing a broad spectrum of financial products to individual consumers, mortgage borrowers, and commercial clients. Its retail banking services encompass various deposit accounts, including checking, money market, savings, and time deposits. The bank also offers personal lending solutions such as secured and unsecured consumer loans, mortgage financing, and ancillary services like safe deposit boxes, holiday club accounts, and money orders. For its commercial, industrial, financial, and governmental customers, AmeriServ delivers extensive lending and treasury services. These include commercial real estate and construction loans, short and medium-term financing, revolving credit lines, and funding for inventory and accounts receivable. Additionally, it provides business savings accounts, certificates of deposit, wire transfers, and secure depository options like night drops and lockbox services. The company's trust department offers personal trust services, covering investment portfolio management, estate planning and administration, custodial services, and pre-need trusts. Institutional trust offerings include the management of 401(k)s, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. AmeriServ also provides financial advisory services through the sale of mutual funds, annuities, and insurance products. A notable offering is its union collective investment funds, which channel union pension capital into construction projects employing union labor. The firm also engages in underwriting credit life and disability insurance as a reinsurer. AmeriServ Financial operates through a network of 17 banking branches located in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties in Pennsylvania, as well as Washington County, Maryland, complemented by 18 automated teller machines. The company maintains its corporate headquarters in Johnstown, Pennsylvania.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 ASRV Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ASRV.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.09% | 0.29% | $309 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.63% | -0.17% | $263 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.47% | -0.33% | $247 / yr |
| 🇬🇧 UK ISA | 0% | 3.09% | 0.29% | $309 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.82% | 0.02% | $282 / yr |
| 🇨🇦 TFSA | 0% | 3.09% | 0.29% | $309 / yr |
| 🇨🇦 CA Taxable | 25% | 2.32% | -0.48% | $232 / yr |
| 🇦🇺 Super (pension) | 15% | 2.63% | -0.17% | $263 / yr |
| 🇦🇺 AU Taxable | 30% | 2.16% | -0.64% | $216 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.28% | -0.52% | $228 / yr |
| 🇫🇷 FR Taxable | 30% | 2.16% | -0.64% | $216 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ASRV Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.12/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ASRV Dividend Payment Schedule
ASRV pays quarterly — 4 times per year. Next ex-div: TBD.
📊 ASRV vs Financial Services Benchmarks
How ASRV compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ASRV sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ASRV Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-06-02 | 7,250 | $3.79 | $27.5K | ||
| A-Award | 2026-05-18 | 434 | $3.92 | $1.7K | ||
| A-Award | 2026-05-18 | 69 | $3.92 | $271.00 | ||
| A-Award | 2026-05-18 | 305 | $3.92 | $1.2K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ASRV dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
AmeriServ Financial, Inc. (ASRV) is currently trading at $3.88, 8% below its 52-week high. The current dividend yield is 3.09% based on an annual payout of $0.12 per share.
ASRV (AmeriServ Financial, Inc.) — 3.09% Dividend Yield Analysis
AmeriServ Financial, Inc. (ASRV) is a financial services stock currently trading at $3.88 with a dividend yield of 3.09%. The company pays an annual dividend of $0.12 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, ASRV has grown its dividend at a compound annual rate of 19.2%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest ASRV News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.