Ameriserv Finl Financials
Ameriserv Finl (ASRV) reported $14.6M in revenue for fiscal year 2025, down 6.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
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 only0.4% in FY2025, so equity returns still depend heavily on leverage rather than on a large change in asset-level profitability.
FY2025 cash rose to
The balance sheet remains overwhelmingly liability-funded: FY2025 liabilities were
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Ameriserv Finl passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
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
Earnings & Revenue
Ameriserv Finl generated $14.6M in revenue in fiscal year 2025. This represents a decrease of 6.3% from the prior year.
Ameriserv Finl reported $5.6M in net income in fiscal year 2025. This represents an increase of 55.8% from the prior year.
Ameriserv Finl earned $0.34 per diluted share (EPS) in fiscal year 2025. This represents an increase of 61.9% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Ameriserv Finl held $50.9M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Ameriserv Finl paid $0.12 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
ASRV Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $29.3M | $14.6M-6.3% | $15.6M+7.8% | $14.5M-1.7% | $14.7M-1.5% | $15.0M+16.7% | $12.8M+0.5% | $12.8M-0.3% | $12.8M-71.1% | $44.4M+5.9% | $41.9M0.0% | $41.9M+3.6% | $40.4M+2.8% | $39.3M-1.4% | $39.9M-4.9% | $42.0M |
| SG&A Expenses | $34.9M | $28.9M+1.9% | $28.4M-4.2% | $29.6M+4.0% | $28.5M+2.3% | $27.8M+1.7% | $27.4M+7.7% | $25.4M+4.4% | $24.4M+1.8% | $23.9M+1.6% | $23.5M-2.1% | $24.0M-3.7% | $25.0M-0.6% | $25.1M+2.8% | $24.4M+8.0% | $22.6M |
| Interest Expense | $28.1M | $29.1M-4.5% | $30.5M+22.6% | $24.8M+192.4% | $8.5M+12.0% | $7.6M-27.9% | $10.5M-26.6% | $14.3M+23.5% | $11.6M+31.9% | $8.8M+13.7% | $7.7M+18.6% | $6.5M+1.9% | $6.4M-1.3% | $6.5M-16.0% | $7.7M-20.3% | $9.7M |
| Income Tax | $1.9M | $1.2M+48.4% | $798K+176.6% | -$1.0M-159.4% | $1.8M+3.0% | $1.7M+40.2% | $1.2M-22.8% | $1.6M-6.3% | $1.7M-68.9% | $5.4M+500.6% | $897K-61.7% | $2.3M+46.6% | $1.6M-30.2% | $2.3M+2.1% | $2.2M-21.5% | $2.9M |
| Net Income | $8.5M | $5.6M+55.8% | $3.6M+207.6% | -$3.3M-144.9% | $7.4M+5.3% | $7.1M+53.8% | $4.6M-23.7% | $6.0M-22.4% | $7.8M+135.9% | $3.3M+42.6% | $2.3M-61.5% | $6.0M+98.4% | $3.0M-41.8% | $5.2M+3.1% | $5.0M-22.9% | $6.5M |
| EPS (Diluted) | $0.51 | $0.34+61.9% | $0.21+205.0% | -$0.20-146.5% | $0.43+4.9% | $0.41+51.9% | $0.27-22.9% | $0.35-18.6% | $0.43+138.9% | $0.18+50.0% | $0.12-61.3% | $0.31+106.7% | $0.15-42.3% | $0.26+23.8% | $0.21-12.5% | $0.24 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ASRV Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B+2.2% | $1.4B+2.4% | $1.4B+1.9% | $1.4B+2.1% | $1.3B+4.1% | $1.3B+9.5% | $1.2B+0.9% | $1.2B-0.6% | $1.2B+1.2% | $1.2B+0.5% | $1.1B+5.4% | $1.1B+3.1% | $1.1B+5.5% | $1.0B+2.2% | $979.1M |
| Cash & Equivalents | $50.9M+186.8% | $17.7M+26.5% | $14.0M-38.9% | $23.0M-44.1% | $41.1M+30.5% | $31.5M+42.1% | $22.2M-36.5% | $34.9M+2.1% | $34.2M+0.3% | $34.1M-29.8% | $48.5M+47.6% | $32.9M+9.3% | $30.1M+12.1% | $26.8M-22.9% | $34.8M |
| Goodwill | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M+14.0% | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M0.0% | $11.9M-5.3% | $12.6M0.0% | $12.6M0.0% | $12.6M |
| Total Liabilities | $1.3B+1.5% | $1.3B+2.2% | $1.3B+2.4% | $1.3B+3.2% | $1.2B+3.5% | $1.2B+9.9% | $1.1B+0.9% | $1.1B-0.9% | $1.1B+1.3% | $1.1B+2.8% | $1.0B+5.6% | $974.9M+3.4% | $942.7M+5.9% | $890.5M+2.7% | $866.7M |
| Total Equity | $119.3M+11.2% | $107.2M+4.9% | $102.3M-3.7% | $106.2M-8.9% | $116.5M+11.6% | $104.4M+5.9% | $98.6M+0.7% | $98.0M+3.0% | $95.1M-0.3% | $95.4M-19.8% | $119.0M+4.0% | $114.4M+1.0% | $113.3M+2.6% | $110.5M-1.7% | $112.4M |
| Retained Earnings | $64.1M+6.0% | $60.5M+2.7% | $58.9M-10.1% | $65.5M+9.1% | $60.0M+9.8% | $54.6M+5.6% | $51.8M+10.8% | $46.7M+15.9% | $40.3M+12.0% | $36.0M+3.9% | $34.7M+17.0% | $29.6M+7.5% | $27.6M+19.1% | $23.1M+22.2% | $18.9M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
ASRV Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.9M | $3.2M+18.6% | $2.7M-57.3% | $6.3M+20.7% | $5.2M-47.6% | $9.9M+823.9% | -$1.4M-128.1% | $4.9M-38.8% | $8.0M+6.2% | $7.5M+14.1% | $6.6M-32.9% | $9.8M+98.1% | $5.0M-66.6% | $14.9M+362.5% | $3.2M-70.2% | $10.8M |
| Investing Cash Flow | $1.9M | $11.1M+147.9% | -$23.1M+42.2% | -$40.0M+28.9% | -$56.3M-11433.0% | -$488K+99.5% | -$95.3M-632.0% | -$13.0M-583.9% | $2.7M+113.3% | -$20.2M+19.7% | -$25.2M+49.5% | -$49.9M | N/A | N/A | -$32.2M-128.5% | -$14.1M |
| Financing Cash Flow | -$788K | $18.9M-21.7% | $24.1M-2.6% | $24.8M-24.8% | $32.9M+22456.8% | $146K-99.9% | $106.0M+2407.9% | -$4.6M+53.9% | -$10.0M-177.8% | $12.8M+208.6% | $4.2M-92.5% | $55.7M | N/A | N/A | $21.0M+12.0% | $18.7M |
| Dividends Paid | $2.0M | $2.0M-1.9% | $2.0M-1.8% | $2.1M+4.6% | $2.0M+15.2% | $1.7M-0.5% | $1.7M+4.5% | $1.6M+21.9% | $1.3M+21.0% | $1.1M+17.8% | $945K+25.3% | $754K+0.3% | $752K+32.9% | $566K | N/A | N/A |
| Share Buybacks | N/A | N/A | $1.5M | N/A | N/A | N/A | $151K-94.1% | $2.5M+8.7% | $2.3M-31.1% | $3.4M | $0 | $0 | $0-100.0% | $1.2M-73.5% | $4.4M+658.9% | $582K |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ASRV Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 38.4%+15.3pp | 23.1%+46.1pp | -23.1%-73.6pp | 50.5%+3.3pp | 47.3%+11.4pp | 35.9%-11.4pp | 47.2%-13.5pp | 60.7%+53.3pp | 7.4%+1.9pp | 5.5%-8.8pp | 14.3%+6.8pp | 7.5%-5.7pp | 13.2%+0.6pp | 12.6%-3.0pp | 15.6% |
| 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%-1.7pp | 6.1%-1.8pp | 7.9%+4.5pp | 3.5%+1.0pp | 2.4%-2.6pp | 5.0%+2.4pp | 2.6%-1.9pp | 4.6%0.0pp | 4.6%-1.3pp | 5.8% |
| 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%-0.2pp | 0.5%-0.2pp | 0.7%+0.4pp | 0.3%+0.1pp | 0.2%-0.3pp | 0.5%+0.2pp | 0.3%-0.2pp | 0.5%0.0pp | 0.5%-0.2pp | 0.7% |
| Debt-to-Equity | 11.19-1.1x | 12.26-0.3x | 12.59+0.7x | 11.85+1.4x | 10.46-0.8x | 11.29+0.4x | 10.880.0x | 10.85-0.4x | 11.28+0.2x | 11.09+2.4x | 8.65+0.1x | 8.52+0.2x | 8.32+0.3x | 8.06+0.3x | 7.71 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
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Where Ameriserv Finl Ranks
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 20 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.