Ameriserv Finl Financials

ASRV

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Ameriserv Finl (ASRV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Key Financial Metrics

Revenue

$15.6M

YoY+7.8%

5Y CAGR+4.1%

10Y CAGR-9.1%

Ameriserv Finl generated $15.6M in revenue in fiscal year 2024. This represents an increase of 7.8% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$3.6M

YoY+207.6%

5Y CAGR-9.8%

10Y CAGR+1.8%

Ameriserv Finl reported $3.6M in net income in fiscal year 2024. This represents an increase of 207.6% from the prior year.

EPS (Diluted)

$0.21

YoY+205.0%

5Y CAGR-9.7%

10Y CAGR+3.4%

Ameriserv Finl earned $0.21 per diluted share (EPS) in fiscal year 2024. This represents an increase of 205.0% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.12

YoY+0.0%

5Y CAGR+4.8%

10Y CAGR+11.6%

Ameriserv Finl paid $0.12 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

17M

YoY-3.7%

5Y CAGR-0.6%

10Y CAGR-1.3%

Ameriserv Finl had 17M shares outstanding in fiscal year 2024. This represents a decrease of 3.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

23.1%

YoY+46.1pp

5Y CAGR-24.2pp

10Y CAGR+15.6pp

Ameriserv Finl's net profit margin was 23.1% in fiscal year 2024, showing the share of revenue converted to profit. This is up 46.1 percentage points from the prior year.

Return on Equity

3.4%

5Y CAGR-2.8pp

10Y CAGR+0.7pp

Ameriserv Finl's ROE was 3.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

$1.5M

5Y CAGR-9.9%

Ameriserv Finl spent $1.5M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

N/A

ASRV Income Statement

Metric	FY24	FY24	FY23	FY23	FY22	FY21
Revenue	$15.6M+7.8%	$14.5M-1.7%	$14.7M-1.5%	$15.0M+16.7%	$12.8M+0.5%	$12.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$30.5M+22.6%	$24.8M+192.4%	$8.5M+12.0%	$7.6M-27.9%	$10.5M-26.6%	$14.3M
Income Tax	$798K+176.6%	-$1.0M-159.4%	$1.8M+3.0%	$1.7M+40.2%	$1.2M-22.8%	$1.6M
Net Income	$3.6M+207.6%	-$3.3M-144.9%	$7.4M+5.3%	$7.1M+53.8%	$4.6M-23.7%	$6.0M
EPS (Diluted)	$0.21+205.0%	$-0.20-146.5%	$0.43+4.9%	$0.41+51.9%	$0.27-22.9%	$0.35

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$3.7M+1.6%	$3.6M+3.8%	$3.5M-79.7%	$17.1M+339.9%	$3.9M+0.2%	$3.9M-4.6%	$4.1M-74.6%	$16.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.5M+2.5%	$7.3M+2.9%	$7.1M-5.8%	$7.5M-3.8%	$7.8M+2.4%	$7.6M+2.1%	$7.5M+1.3%	$7.4M
Income Tax	$540K+871.4%	-$70K-114.6%	$478K+155.6%	$187K-21.1%	$237K+317.4%	-$109K-122.6%	$483K+132.7%	-$1.5M
Net Income	$2.5M+1002.1%	-$282K-114.8%	$1.9M+114.6%	$889K-24.9%	$1.2M+415.5%	-$375K-119.7%	$1.9M+135.8%	-$5.3M
EPS (Diluted)	$0.15+850.0%	$-0.02-116.7%	$0.12+140.0%	$0.05-28.6%	$0.07+450.0%	$-0.02-118.2%	$0.11+135.5%	$-0.31

ASRV Balance Sheet

Metric	FY24	FY24	FY23	FY23	FY22	FY21
Total Assets	$1.4B+2.4%	$1.4B+1.9%	$1.4B+2.1%	$1.3B+4.1%	$1.3B+9.5%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$14.0M-38.9%	$23.0M-44.1%	$41.1M+30.5%	$31.5M+42.1%	$22.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M+14.0%	$11.9M0.0%	$11.9M
Total Liabilities	$1.3B+2.2%	$1.3B+2.4%	$1.3B+3.2%	$1.2B+3.5%	$1.2B+9.9%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$107.2M+4.9%	$102.3M-3.7%	$106.2M-8.9%	$116.5M+11.6%	$104.4M+5.9%	$98.6M
Retained Earnings	$60.5M+2.7%	$58.9M-10.1%	$65.5M+9.1%	$60.0M+9.8%	$54.6M+5.6%	$51.8M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$1.5B+0.9%	$1.4B+1.2%	$1.4B+0.6%	$1.4B+1.2%	$1.4B+0.1%	$1.4B+1.4%	$1.4B-0.4%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$14.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M0.0%	$13.6M
Total Liabilities	$1.3B+0.7%	$1.3B+1.3%	$1.3B+0.4%	$1.3B+1.4%	$1.3B-0.2%	$1.3B+1.5%	$1.3B-0.5%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$114.6M+3.3%	$110.9M+0.1%	$110.8M+3.3%	$107.2M-0.9%	$108.2M+4.4%	$103.7M-0.3%	$103.9M+1.6%	$102.3M
Retained Earnings	$63.2M+3.4%	$61.1M-1.3%	$61.9M+2.3%	$60.5M+0.7%	$60.1M+1.2%	$59.4M-1.5%	$60.3M+2.4%	$58.9M

ASRV Cash Flow Statement

Metric	FY24	FY24	FY23	FY23	FY22	FY21
Operating Cash Flow	$2.7M-57.3%	$6.3M+20.7%	$5.2M-47.6%	$9.9M+823.9%	-$1.4M-128.1%	$4.9M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$23.1M+42.2%	-$40.0M+28.9%	-$56.3M-11433.0%	-$488K+99.5%	-$95.3M-632.0%	-$13.0M
Financing Cash Flow	$24.1M-2.6%	$24.8M-24.8%	$32.9M+22456.8%	$146K-99.9%	$106.0M+2407.9%	-$4.6M
Dividends Paid	$2.0M-1.8%	$2.1M+4.6%	$2.0M+15.2%	$1.7M-0.5%	$1.7M+4.5%	$1.6M
Share Buybacks	$1.5M	N/A	N/A	N/A	$151K-94.1%	$2.5M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	N/A	N/A	$599K	N/A	N/A	N/A	-$2.2M	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	-$2.4M	N/A	N/A	N/A	$12.6M	N/A
Financing Cash Flow	N/A	N/A	$7.7M	N/A	N/A	N/A	-$7.0M	N/A
Dividends Paid	N/A	N/A	$496K	N/A	N/A	N/A	$514K	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

ASRV Financial Ratios

Metric	FY24	FY24	FY23	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.1%+46.1pp	-23.1%-73.6pp	50.5%+3.3pp	47.3%+11.4pp	35.9%-11.4pp	47.2%
Return on Equity	3.4%	N/A	7.0%+0.9pp	6.1%+1.7pp	4.4%-1.7pp	6.1%
Return on Assets	0.3%+0.5pp	-0.2%-0.8pp	0.5%+0.0pp	0.5%+0.2pp	0.4%-0.2pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.26-0.3	12.59+0.7	11.85+1.4	10.46-0.8	11.29+0.4	10.88
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	69.5%+77.3pp	-7.8%-62.8pp	55.0%+49.8pp	5.2%-25.3pp	30.5%+40.2pp	-9.7%-56.6pp	46.9%+80.2pp	-33.3%
Return on Equity	2.2%	N/A	1.7%+0.9pp	0.8%-0.3pp	1.1%	N/A	1.8%	N/A
Return on Assets	0.2%+0.2pp	-0.0%-0.1pp	0.1%+0.1pp	0.1%-0.0pp	0.1%+0.1pp	-0.0%-0.2pp	0.1%+0.5pp	-0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.76-0.3	12.06+0.1	11.92-0.3	12.26+0.3	11.99-0.5	12.54+0.2	12.32-0.3	12.59
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Financial Health Signals

Piotroski F-Score Neutral

5/9

Financial strength trend (9 signals). 7-9 = strong, 0-3 = weak.

Earnings Quality Mixed

0.75x

Operating cash flow vs net income. Above 1.0x = cash-backed earnings.

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Frequently Asked Questions

What is Ameriserv Finl's annual revenue?

Ameriserv Finl (ASRV) reported $15.6M in total revenue for fiscal year 2024. This represents a 7.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ameriserv Finl's revenue growing?

Ameriserv Finl (ASRV) revenue grew by 7.8% year-over-year, from $14.5M to $15.6M in fiscal year 2024.

Is Ameriserv Finl profitable?

Yes, Ameriserv Finl (ASRV) reported a net income of $3.6M in fiscal year 2024, with a net profit margin of 23.1%.

What is Ameriserv Finl's earnings per share (EPS)?

Ameriserv Finl (ASRV) reported diluted earnings per share of $0.21 for fiscal year 2024. This represents a 205.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Ameriserv Finl's net profit margin?

Ameriserv Finl (ASRV) had a net profit margin of 23.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Ameriserv Finl pay dividends?

Yes, Ameriserv Finl (ASRV) paid $0.12 per share in dividends during fiscal year 2024.

What is Ameriserv Finl's return on equity (ROE)?

Ameriserv Finl (ASRV) has a return on equity of 3.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Ameriserv Finl's operating cash flow?

Ameriserv Finl (ASRV) generated $2.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Ameriserv Finl's total assets?

Ameriserv Finl (ASRV) had $1.4B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Ameriserv Finl buy back shares?

Yes, Ameriserv Finl (ASRV) spent $1.5M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Ameriserv Finl have outstanding?

Ameriserv Finl (ASRV) had 17M shares outstanding as of fiscal year 2024.

What is Ameriserv Finl's debt-to-equity ratio?

Ameriserv Finl (ASRV) had a debt-to-equity ratio of 12.26 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ameriserv Finl's return on assets (ROA)?

Ameriserv Finl (ASRV) had a return on assets of 0.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Ameriserv Finl's Piotroski F-Score?

Ameriserv Finl (ASRV) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals.

Are Ameriserv Finl's earnings high quality?

Ameriserv Finl (ASRV) has an earnings quality ratio of 0.75x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation.