AmeriServ Financial, Inc.
AmeriServ Financial, Inc. (NASDAQ: ASRV) is trading at $4.68, about ₹449 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 0.21% today. Indian residents can buy AmeriServ Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$4.61
Today's high
$4.83
52 week low
$2.86
52 week high
$5.38
ASRV opened at $4.62, closed previously at $4.67, and has traded between $2.86 and $5.38 over the past 52 weeks.
About
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.
Key statistics
Avg. volume
16.89K
Market cap
$79.39M
P/E Ratio
9.23
Price-to-sales ratio
0.89
Enterprise value
$132.25M
Free cash flow yield
1.14%
Debt-to-equity ratio
0.54
Return on equity
7.13%
ROIC
15.13%
Beta
0.42
Dividend yield
2.56%
Last dividend
$0.12
Financial overview
Revenue
$88.34M
Earnings per share
$0.34
Free cash flow
$2.06M
Net profit margin
9.51%
Gross margin
67.45%
EBITDA
$8.89M
Revenue growth
4.57%
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This is not an investment recommendation
How to buy AmeriServ Financial from India
Indian residents can buy AmeriServ Financial shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for AmeriServ Financial and place an order
Find AmeriServ Financial by name or by its ticker, ASRV, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. AmeriServ Financial trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your AmeriServ Financial position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in AmeriServ Financial from India
Trading and taxes when buying AmeriServ Financial from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. AmeriServ Financial’s current yield is 2.56%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy AmeriServ Financial stock?
Yes. AmeriServ Financial (ASRV) has been listed on NASDAQ since 1985, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one AmeriServ Financial share cost in rupees?
One AmeriServ Financial share is $4.68 — about ₹449 at a USD/INR rate of 95.88 on 26 Sep 2026. Both the AmeriServ Financial price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying AmeriServ Financial from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of AmeriServ Financial?
Yes. One AmeriServ Financial share is $4.68, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in AmeriServ Financial.
How are gains on AmeriServ Financial shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the AmeriServ Financial price. Paasa issues a capital-gains statement for your return.
Does AmeriServ Financial pay a dividend, and how is it taxed in India?
Yes. AmeriServ Financial pays a dividend and the current yield is 2.56%; the last declared dividend was $0.12 per share, about ₹11.51. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade AmeriServ Financial from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on AmeriServ Financial shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare AmeriServ Financial shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your AmeriServ Financial holding, its cost and its closing value.
How do I sell AmeriServ Financial and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.