What if you'd held ASRV?
A $1,000 investment in AmeriServ Financial Inc. (ASRV) at the month-end close of 1985-01 would be worth $1,349 at the close of 2026-08 — +34.9% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $42,910.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1985
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1985 | $1,000 | — |
| 1986 | $395 | -60.5% |
| 1987 | $229 | -42.1% |
| 1988 | $214 | -6.5% |
| 1989 | $298 | +39.2% |
| 1990 | $288 | -3.3% |
| 1991 | $412 | +42.9% |
| 1992 | $522 | +26.8% |
| 1993 | $583 | +11.7% |
| 1994 | $537 | -7.9% |
| 1995 | $880 | +63.8% |
| 1996 | $1,158 | +31.6% |
| 1997 | $2,087 | +80.2% |
| 1998 | $1,758 | -15.8% |
| 1999 | $1,084 | -38.3% |
| 2000 | $425 | -60.8% |
| 2001 | $517 | +21.7% |
| 2002 | $333 | -35.7% |
| 2003 | $583 | +75.2% |
| 2004 | $603 | +3.4% |
| 2005 | $511 | -15.3% |
| 2006 | $575 | +12.6% |
| 2007 | $323 | -43.8% |
| 2008 | $234 | -27.6% |
| 2009 | $196 | -16.2% |
| 2010 | $186 | -5.0% |
| 2011 | $229 | +23.0% |
| 2012 | $354 | +54.7% |
| 2013 | $361 | +1.9% |
| 2014 | $377 | +4.6% |
| 2015 | $390 | +3.5% |
| 2016 | $458 | +17.3% |
| 2017 | $522 | +14.0% |
| 2018 | $516 | -1.3% |
| 2019 | $550 | +6.7% |
| 2020 | $423 | -23.1% |
| 2021 | $535 | +26.5% |
| 2022 | $562 | +4.9% |
| 2023 | $479 | -14.7% |
| 2024 | $415 | -13.4% |
| 2025 | $517 | +24.6% |
| 2026 | $815 | +57.6% |
Best and worst month-end to buy
The best single month-end close to have bought ASRV was 2010-01 ($1.05): $1,000 then is $4,714 today. The worst was 1998-04 ($14.30): $1,000 then is $346.
FAQ
What would $1,000 in ASRV be worth today?
A $1,000 investment in AmeriServ Financial Inc. (ASRV) at the start of 1985 would be worth about $1,349 today, a total return of +34.9%. Dividends are reinvested in these figures.
What were the best and worst years for ASRV?
AmeriServ Financial Inc. (ASRV)'s strongest calendar year since 1985 was 1997, a +80.2% return — $1,000 held through that year became about $1,802 by year-end. Its weakest year was 2000, at -60.8%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in ASRV have grown?
Investing $100 at the end of every month since 1985-01 would have grown to about $94,868 on $50,000 invested.
Did ASRV beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $42,910. ASRV trailed the S&P 500 by +96.9% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
AmeriServ Financial Inc. (ASRV) historical total-return data from 1985-01 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.