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Financials · ASRV

AmeriServ Financial Inc. (ASRV) financials

For the twelve months ended Jun 30, 2026, AmeriServ Financial Inc. reported $38.19M of revenue and $8.52M of net income.

Revenue, TTM
$38.19M
Revenue growth, YoY
-31.3%
Net income, TTM
$8.52M
Net income growth, YoY
+130.3%
Net margin
22.3%
EPS, diluted, TTM
$0.51
EPS growth, YoY
+131.8%
Cash
$28.05M
P/E
9.43
P/S
2.10
Market cap
$80.3M
Annual revenue$14.63M
FY2016FY2025
Annual net income$5.61M
FY2016FY2025

ASRV revenue and earnings growth

ASRV revenueQ2 2026$3.87M

Quarter YoY
-73.3%
QoQ
+7.2%
FY YoY
-6.3%
5Y CAGR
-22.6%
10Y CAGR
-11.7%

ASRV revenue was $3.87M in fiscal Q2 2026 (ended Jun 30, 2026), down 73.3% from a year earlier and up 7.2% from the prior quarter. For the full fiscal 2025 it was $14.63M, down 6.3% from fiscal 2024. Compound annual growth was -22.6% over 5 years and -11.7% over 10 years. It rose in 5 of the last 10 fiscal years.

ASRV net incomeQ2 2026$2.74M

QoQ
+52.6%
FY YoY
+55.8%
5Y CAGR
+4.1%
10Y CAGR
-0.7%

ASRV net income was $2.74M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$282.0K a year earlier and up 52.6% from the prior quarter. For the full fiscal 2025 it was $5.61M, up 55.8% from fiscal 2024. Compound annual growth was +4.1% over 5 years and -0.7% over 10 years.

ASRV EPSQ2 2026$0.16

QoQ
+45.5%
FY YoY
+61.9%
5Y CAGR
+4.7%
10Y CAGR
+0.9%

ASRV diluted EPS was $0.16 in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$0.02 a year earlier and up 45.5% from the prior quarter. For the full fiscal 2025 it was $0.34, up 61.9% from fiscal 2024. Compound annual growth was +4.7% over 5 years and +0.9% over 10 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$14.63M$15.62M$52.41M$57.26M$56.84M$52.64M$50.22M$49.72M$50.21M$48.77M
Interest expense$29.09M$30.46M$24.84M$8.49M$7.59M$10.52M$14.32M$11.60M$8.79M$7.74M
Pre-tax income$6.80M$4.40M-$4.39M$9.20M$8.77M$5.81M$7.60M$9.45M$8.68M$3.21M
Income tax$1.18M$798.0K-$1.04M$1.75M$1.70M$1.21M$1.57M$1.68M$5.39M$897.0K
Net income$5.61M$3.60M-$3.35M$7.45M$7.07M$4.60M$6.03M$7.77M$3.29M$2.31M
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
Diluted shares16.5M16.8M17.1M17.1M17.1M17.1M17.4M18.0M18.6M19.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$50.89M$17.75M$14.03M$22.96M$41.10M$31.50M$22.17M$34.89M$34.19M$34.07M
Goodwill$13.61M$13.61M$13.61M$13.61M$13.61M$11.94M$11.94M$11.94M$11.94M$11.94M
Total assets$1.45B$1.42B$1.39B$1.36B$1.34B$1.28B$1.17B$1.16B$1.17B$1.15B
Short-term debt-$14.64M$40.95M$88.64M$0$24.70M$22.41M$41.03M$49.08M-
Total liabilities$1.33B$1.32B$1.29B$1.26B$1.22B$1.18B$1.07B$1.06B$1.07B$1.06B
Shareholders' equity$119.31M$107.25M$102.28M$106.18M$116.55M$104.40M$98.61M$97.98M$95.10M$95.39M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$3.19M$2.69M$6.29M$5.21M$9.94M-$1.37M$4.89M$7.98M$7.52M$6.59M
Investing cash flow$11.07M-$23.10M-$39.99M-$56.28M-$488.0K-$95.32M-$13.02M$2.69M-$20.23M-$25.18M
Financing cash flow$18.89M$24.13M$24.77M$32.93M$146.0K$106.03M-$4.59M-$9.97M$12.82M$4.15M
Dividends paid$1.98M$2.02M$2.06M$1.97M$1.71M$1.72M$1.64M$1.35M$1.11M$945.0K
Share repurchases-$1.51M--------
Stock-based compensation-$8.0K$45.0K$50.0K$43.0K$3.0K$7.0K$14.0K$13.0K$20.0K
Depreciation and amortization$1.70M$1.70M$1.70M$1.70M$1.70M$1.60M$1.50M$1.50M--

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-6.3%-70.2%-8.5%0.7%8.0%4.8%1.0%-1.0%2.9%-3.7%
Net income growth, YoY55.8%--5.3%53.8%-23.7%-22.4%135.9%42.6%-61.5%
EPS growth, YoY61.9%--4.9%51.9%-22.9%-18.6%138.9%50.0%-61.3%
Net margin38.3%23.1%-6.4%13.0%12.4%8.7%12.0%15.6%6.6%4.7%
Return on equity4.7%3.4%-3.3%7.0%6.1%4.4%6.1%7.9%3.5%2.4%
Return on assets0.4%0.3%-0.2%0.5%0.5%0.4%0.5%0.7%0.3%0.2%

Source: XBRL data AmeriServ Financial Inc. files with the SEC, latest filing dated Aug 14, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ASRV peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ASRV$38.19M-31.3%$8.52M22.3%$80.3M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

ASRV FAQ

7 questions
  • What is ASRV revenue?
    AmeriServ Financial Inc. (ASRV) reported $38.19M of revenue for the twelve months ended Jun 30, 2026. That is down 31.3% from the year before. Revenue for fiscal 2025 was $14.63M.
  • Is ASRV profitable?
    Yes. AmeriServ Financial Inc. earned $8.52M in net income for the twelve months ended Jun 30, 2026, a net margin of 22.3%.
  • How much cash and debt does ASRV have?
    AmeriServ Financial Inc. reported $28.05M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is ASRV revenue growing?
    AmeriServ Financial Inc.'s revenue changed -6.3% in fiscal 2025, to $14.63M. Its compound annual growth rate was -22.6% over 5 years and -11.7% over 10 years.
  • What is ASRV earnings per share?
    Diluted earnings per share were $0.51 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ASRV last report financial results?
    The latest statements here come from AmeriServ Financial Inc.'s 10-Q filed on Aug 14, 2026, covering the period ended Jun 30, 2026.
  • Where does this ASRV financial data come from?
    Quantisnow builds these statements from the structured XBRL data AmeriServ Financial Inc. files with the SEC. It is provided for information only and is not investment advice.