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

Ameriserv Finl (ASRV) reported diluted earnings per share of $0.34 for fiscal year 2025. This represents a 61.9% 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.

Ameriserv Finl Financials

ASRV

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 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 17 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).

Rhea AI ASRV FY2025 2026-05-14

AmeriServ’s profit rebound rides on a heavily liability-funded balance sheet, while operating cash generation remains comparatively modest.

Across FY2023-FY2025, net income moved from -$3.3M to $5.6M, but operating cash flow stayed boxed between $2.7M and $6.3M for three straight years; the turnaround improved reported earnings much faster than cash generation. At the same time, ROA was only 0.4% in FY2025, so equity returns still depend heavily on leverage rather than on a large change in asset-level profitability.

FY2025 cash rose to $50.9M from $17.7M, yet only $3.2M came from operations; most of the increase came from financing and investing inflows, meaning the liquidity cushion was rebuilt mainly through balance-sheet actions. Cash improved without the business fully self-funding that improvement.

The balance sheet remains overwhelmingly liability-funded: FY2025 liabilities were $1.33B against equity of $119.3M, and debt-to-equity was 11.2x. That structure turned a slim 0.4% ROA into a 4.7% ROE, but it also makes equity results more sensitive to small shifts in asset yield or funding cost.

Financial Health Signals

Financial Profile 9/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Ameriserv Finl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Ameriserv Finl's revenue declined 6.3% year-over-year, from $15.6M to $14.6M. This contraction results in a growth score of 34/100.

Leverage

Ameriserv Finl has elevated debt relative to equity (D/E of 11.19), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Ameriserv Finl generates a 4.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is up from 3.4% the prior year.

Piotroski F-Score Weak

3/9

Ameriserv Finl passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.57x

For every $1 of reported earnings, Ameriserv Finl generates $0.57 in operating cash flow ($3.2M OCF vs $5.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$14.6M

YoY-6.3%

5Y CAGR+2.7%

10Y CAGR-10.0%

Ameriserv Finl generated $14.6M in revenue in fiscal year 2025. This represents a decrease of 6.3% from the prior year.

EBITDA

N/A

Net Income

$5.6M

YoY+55.8%

5Y CAGR+4.1%

10Y CAGR-0.7%

Ameriserv Finl reported $5.6M in net income in fiscal year 2025. This represents an increase of 55.8% from the prior year.

EPS (Diluted)

$0.34

YoY+61.9%

5Y CAGR+4.7%

10Y CAGR+0.9%

Ameriserv Finl earned $0.34 per diluted share (EPS) in fiscal year 2025. This represents an increase of 61.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$50.9M

YoY+186.8%

5Y CAGR+10.1%

10Y CAGR+0.5%

Ameriserv Finl held $50.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.12

YoY+0.0%

5Y CAGR+3.7%

10Y CAGR+11.6%

Ameriserv Finl paid $0.12 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

17M

YoY+0.0%

5Y CAGR-0.6%

10Y CAGR-1.3%

Ameriserv Finl had 17M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

38.4%

YoY+15.3pp

5Y CAGR+2.5pp

10Y CAGR+24.0pp

Ameriserv Finl's net profit margin was 38.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 15.3 percentage points from the prior year.

Return on Equity

4.7%

YoY+1.3pp

5Y CAGR+0.3pp

10Y CAGR-0.3pp

Ameriserv Finl's ROE was 4.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

ASRV Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$14.6M-6.3%	$15.6M+7.8%	$14.5M-1.7%	$14.7M-1.5%	$15.0M+16.7%	$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	$28.9M+1.9%	$28.4M-4.2%	$29.6M+4.0%	$28.5M+2.3%	$27.8M+1.7%	$27.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$29.1M-4.5%	$30.5M+22.6%	$24.8M+192.4%	$8.5M+12.0%	$7.6M-27.9%	$10.5M
Income Tax	$1.2M+48.4%	$798K+176.6%	-$1.0M-159.4%	$1.8M+3.0%	$1.7M+40.2%	$1.2M
Net Income	$5.6M+55.8%	$3.6M+207.6%	-$3.3M-144.9%	$7.4M+5.3%	$7.1M+53.8%	$4.6M
EPS (Diluted)	$0.34+61.9%	$0.21+205.0%	$-0.20-146.5%	$0.43+4.9%	$0.41+51.9%	$0.27

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$3.6M-80.1%	$18.2M+396.2%	$3.7M+1.6%	$3.6M+3.8%	$3.5M-79.7%	$17.1M+339.9%	$3.9M+0.2%	$3.9M
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	$7.2M-44.0%	$12.9M+76.3%	$7.3M+3.4%	$7.1M-2.0%	$7.2M-39.1%	$11.9M+66.5%	$7.1M+0.2%	$7.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.7M-7.7%	$7.2M-3.3%	$7.5M+2.5%	$7.3M+2.9%	$7.1M-5.8%	$7.5M-3.8%	$7.8M+2.4%	$7.6M
Income Tax	$426K+80.5%	$236K-56.3%	$540K+871.4%	-$70K-114.6%	$478K+155.6%	$187K-21.1%	$237K+317.4%	-$109K
Net Income	$1.8M+24.4%	$1.4M-43.3%	$2.5M+1002.1%	-$282K-114.8%	$1.9M+114.6%	$889K-24.9%	$1.2M+415.5%	-$375K
EPS (Diluted)	$0.11+22.2%	$0.09-40.0%	$0.15+850.0%	$-0.02-116.7%	$0.12+140.0%	$0.05-28.6%	$0.07+450.0%	$-0.02

ASRV Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.5B+2.2%	$1.4B+2.4%	$1.4B+1.9%	$1.4B+2.1%	$1.3B+4.1%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$50.9M+186.8%	$17.7M+26.5%	$14.0M-38.9%	$23.0M-44.1%	$41.1M+30.5%	$31.5M
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%	$13.6M0.0%	$13.6M+14.0%	$11.9M
Total Liabilities	$1.3B+1.5%	$1.3B+2.2%	$1.3B+2.4%	$1.3B+3.2%	$1.2B+3.5%	$1.2B
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	$119.3M+11.2%	$107.2M+4.9%	$102.3M-3.7%	$106.2M-8.9%	$116.5M+11.6%	$104.4M
Retained Earnings	$64.1M+6.0%	$60.5M+2.7%	$58.9M-10.1%	$65.5M+9.1%	$60.0M+9.8%	$54.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.5B+1.3%	$1.5B-0.5%	$1.5B+0.9%	$1.4B+1.2%	$1.4B+0.6%	$1.4B+1.2%	$1.4B+0.1%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$54.1M+6.3%	$50.9M-5.3%	$53.8M+114.8%	$25.0M+5.9%	$23.6M+33.2%	$17.7M-19.8%	$22.1M+20.3%	$18.4M
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	$1.4B+1.3%	$1.3B-0.9%	$1.3B+0.7%	$1.3B+1.3%	$1.3B+0.4%	$1.3B+1.4%	$1.3B-0.2%	$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	$120.7M+1.2%	$119.3M+4.1%	$114.6M+3.3%	$110.9M+0.1%	$110.8M+3.3%	$107.2M-0.9%	$108.2M+4.4%	$103.7M
Retained Earnings	$65.4M+2.0%	$64.1M+1.5%	$63.2M+3.4%	$61.1M-1.3%	$61.9M+2.3%	$60.5M+0.7%	$60.1M+1.2%	$59.4M

ASRV Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$3.2M+18.6%	$2.7M-57.3%	$6.3M+20.7%	$5.2M-47.6%	$9.9M+823.9%	-$1.4M
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	$11.1M+147.9%	-$23.1M+42.2%	-$40.0M+28.9%	-$56.3M-11433.0%	-$488K+99.5%	-$95.3M
Financing Cash Flow	$18.9M-21.7%	$24.1M-2.6%	$24.8M-24.8%	$32.9M+22456.8%	$146K-99.9%	$106.0M
Dividends Paid	$2.0M-1.9%	$2.0M-1.8%	$2.1M+4.6%	$2.0M+15.2%	$1.7M-0.5%	$1.7M
Share Buybacks	N/A	$1.5M	N/A	N/A	N/A	$151K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$356K-71.4%	$1.2M-11.3%	$1.4M+2364.5%	-$62K-110.4%	$599K-82.2%	$3.4M+1534.9%	-$235K-113.8%	$1.7M
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	-$14.7M-243.1%	$10.3M-40.9%	$17.4M+222.7%	-$14.2M-481.5%	-$2.4M+89.5%	-$23.3M-593.3%	$4.7M+127.5%	-$17.1M
Financing Cash Flow	$17.6M+222.0%	-$14.4M-245.1%	$9.9M-36.6%	$15.6M+102.6%	$7.7M-50.2%	$15.5M+2179.4%	-$746K-104.6%	$16.4M
Dividends Paid	$508K+2.4%	$496K+0.2%	$495K0.0%	$495K-0.2%	$496K0.0%	$496K+0.2%	$495K-3.9%	$515K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$0	$0	N/A

ASRV Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	38.4%+15.3pp	23.1%+46.1pp	-23.1%-73.6pp	50.5%+3.3pp	47.3%+11.4pp	35.9%
Return on Equity	4.7%+1.3pp	3.4%+6.6pp	-3.3%-10.3pp	7.0%+0.9pp	6.1%+1.7pp	4.4%
Return on Assets	0.4%+0.1pp	0.3%+0.5pp	-0.2%-0.8pp	0.5%+0.0pp	0.5%+0.2pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.19-1.1	12.26-0.3	12.59+0.7	11.85+1.4	10.46-0.8	11.29
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	49.7%+41.7pp	7.9%-61.6pp	69.5%+77.3pp	-7.8%-62.8pp	55.0%+49.8pp	5.2%-25.3pp	30.5%+40.2pp	-9.7%
Return on Equity	1.5%+0.3pp	1.2%-1.0pp	2.2%+2.5pp	-0.3%-2.0pp	1.7%+0.9pp	0.8%-0.3pp	1.1%+1.4pp	-0.4%
Return on Assets	0.1%+0.0pp	0.1%-0.1pp	0.2%+0.2pp	-0.0%-0.1pp	0.1%+0.1pp	0.1%-0.0pp	0.1%+0.1pp	-0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.20+0.0	11.19-0.6	11.76-0.3	12.06+0.1	11.92-0.3	12.26+0.3	11.99-0.5	12.54
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Ameriserv Finl's annual revenue?

Ameriserv Finl (ASRV) reported $14.6M in total revenue for fiscal year 2025. This represents a -6.3% 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 declined by 6.3% year-over-year, from $15.6M to $14.6M in fiscal year 2025.

Is Ameriserv Finl profitable?

Yes, Ameriserv Finl (ASRV) reported a net income of $5.6M in fiscal year 2025, with a net profit margin of 38.4%.

What is Ameriserv Finl's net profit margin?

Ameriserv Finl (ASRV) had a net profit margin of 38.4% in fiscal year 2025, 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 2025.

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

Ameriserv Finl (ASRV) has a return on equity of 4.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ameriserv Finl's operating cash flow?

Ameriserv Finl (ASRV) generated $3.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ameriserv Finl's total assets?

Ameriserv Finl (ASRV) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Ameriserv Finl have outstanding?

Ameriserv Finl (ASRV) had 17M shares outstanding as of fiscal year 2025.

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

Ameriserv Finl (ASRV) had a debt-to-equity ratio of 11.19 as of fiscal year 2025, 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 0.4% for fiscal year 2025, 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 3 out of 9, indicating weak 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ameriserv Finl's earnings high quality?

Ameriserv Finl (ASRV) has an earnings quality ratio of 0.57x, 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. Learn more in our complete guide to financial health indicators.

How financially healthy is Ameriserv Finl?

Ameriserv Finl (ASRV) scores 9 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.