AmeriServ Financial Inc (ASRV) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ASRV SEC filings page.
AmeriServ Financial Inc (ASRV) reported $61.4M in revenue over the twelve months to Jun 30, 2026, up 10.4% from the prior twelve months. 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 earnings recovery has not kept pace with cash generation, while high balance-sheet leverage remains central to how the bank operates.
Cash conversion weakened as reported profits recovered: net income rose to$5.6M in FY2025, while operating cash flow reached only$3.2M , compared with$2.7M on$3.6M of earnings in FY2024. The larger gap suggests more of the latest accounting profit was absorbed by balance-sheet movements rather than arriving as immediately deployable cash.
Leverage remains structurally high: debt-to-equity eased from 12.6x in FY2023 to 11.2x in FY2025, yet return on assets reached only
The earnings cycle is recovering rather than simply expanding: after a net loss of
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 Financial Inc'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 Financial Inc earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.3% the prior year. Earnings ranks banks on that return over three years, and AmeriServ Financial Inc scores 20/100 among other banks.
AmeriServ Financial Inc reported revenue of $59.3M in fiscal year 2025, against $54.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and AmeriServ Financial Inc scores 42/100 among other banks.
AmeriServ Financial Inc funded 8.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $119.3M of equity against $1.5B of assets. Capital ranks banks on that cushion, and AmeriServ Financial Inc scores 10/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. AmeriServ Financial Inc scores 12/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. AmeriServ Financial Inc scores 27/100 on it among other banks.
AmeriServ Financial Inc reported net income of $5.6M in fiscal year 2025, against $3.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and AmeriServ Financial Inc scores 20/100 among other banks.
AmeriServ Financial Inc passes 4 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), both operating efficiency signals pass.
For every $1 of reported earnings, AmeriServ Financial Inc 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 Financial Inc generated $15.9M in revenue in Q2 2026. This represents an increase of 9.8% from the same quarter a year earlier. Against the prior quarter it is up 7.5%.
AmeriServ Financial Inc reported $2.7M in net income in Q2 2026. This represents an increase of 1070.9% from the same quarter a year earlier. Against the prior quarter it is up 52.6%.
AmeriServ Financial Inc earned $0.16 per diluted share (EPS) in Q2 2026. This represents an increase of 900.0% from the same quarter a year earlier. Against the prior quarter it is up 45.5%.
Not reported for Q2 2026.
Cash & Balance Sheet
AmeriServ Financial Inc held $28.0M in cash as of Q2 2026; long-term debt is not reported for that period.
AmeriServ Financial Inc paid $0.03 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Margins & Returns
AmeriServ Financial Inc's net profit margin was 17.2% in Q2 2026, showing the share of revenue converted to profit. This is up 19.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.1 percentage points.
AmeriServ Financial Inc's ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
None of these metrics is reported for Q2 2026.
ASRV Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-K | Q1'2510-K | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.9M+9.8% | $14.8M+5.3% | $15.3M+9.4% | $15.4M+17.7% | $14.5M+9.4% | $14.1M+2.6% | $14.0M+23.2% | $13.1M+0.3% |
| SG&A Expenses | $7.4M+4.7% | $7.2M0.0% | $12.9M+8.8% | $7.3M+2.7% | $7.1M-0.5% | $7.2M+1.5% | $11.9M-2.3% | $7.1M-3.2% |
| Interest Expense | $6.8M-7.3% | $6.7M-5.9% | $7.2M-3.9% | $7.5M-4.4% | $7.3M-4.5% | $7.1M-5.2% | $7.5M+2.0% | $7.8M+17.8% |
| Income Tax | $661K+1044.3% | $426K-10.9% | $236K+26.2% | $540K+127.8% | -$70K+35.8% | $478K-1.0% | $187K+112.7% | $237K+91.1% |
| Net Income | $2.7M+1070.9% | $1.8M-6.0% | $1.4M+62.2% | $2.5M+115.0% | -$282K+24.8% | $1.9M+0.2% | $889K+116.7% | $1.2M+82.8% |
| EPS (Basic) | $0.16+900.0% | $0.11-8.3% | $0.09+80.0% | $0.15+114.3% | -$0.020.0% | $0.12+9.1% | $0.05+116.1% | $0.07+75.0% |
| EPS (Diluted) | $0.16+900.0% | $0.11-8.3% | $0.09+80.0% | $0.15+114.3% | -$0.020.0% | $0.12+9.1% | $0.05+116.1% | $0.07+75.0% |
| Diluted Shares (Avg) | 17M+2.7% | 17M+2.5% | N/A | 17M0.0% | 17M-3.0% | 17M-3.7% | N/A | 17M-3.7% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
ASRV Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-K | Q1'2510-K | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B+0.9% | $1.5B+2.9% | $1.5B+2.2% | $1.5B+4.0% | $1.4B+3.2% | $1.4B+3.4% | $1.4B+2.4% | $1.4B+3.2% |
| Cash & Equivalents | $28.0M+12.0% | $54.1M+129.0% | $50.9M+186.8% | $53.8M+143.1% | $25.0M+36.2% | $23.6M+35.5% | $17.7M+26.5% | $22.1M+22.7% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% | $13.6M0.0% |
| Total Liabilities | $1.3B+0.1% | $1.4B+2.4% | $1.3B+1.5% | $1.3B+3.8% | $1.3B+2.9% | $1.3B+3.1% | $1.3B+2.2% | $1.3B+2.9% |
| Total Equity | $123.1M+11.0% | $120.7M+9.0% | $119.3M+11.2% | $114.6M+5.9% | $110.9M+7.0% | $110.8M+6.6% | $107.2M+4.9% | $108.2M+6.8% |
| Retained Earnings | $67.6M+10.7% | $65.4M+5.7% | $64.1M+6.0% | $63.2M+5.1% | $61.1M+2.9% | $61.9M+2.7% | $60.5M+2.7% | $60.1M-7.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-K | Q1'2510-K | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$1.1M-1698.4% | $356K-40.6% | $1.2M-63.0% | $1.4M+697.4% | -$62K-103.6% | $599K+127.8% | $3.4M+203.8% | -$235K-108.8% |
| Investing Cash Flow | -$11.1M+22.0% | -$14.7M-503.6% | $10.3M+144.2% | $17.4M+269.2% | -$14.2M+17.2% | -$2.4M-119.4% | -$23.3M+30.7% | $4.7M+130.1% |
| Financing Cash Flow | -$13.9M-188.7% | $17.6M+127.5% | -$14.4M-192.9% | $9.9M+1430.4% | $15.6M-4.3% | $7.7M+210.5% | $15.5M-45.5% | -$746K-105.4% |
| Dividends Paid | $510K+3.0% | $508K+2.4% | $496K0.0% | $495K0.0% | $495K-3.9% | $496K-3.5% | $496K-3.9% | $495K-3.5% |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0 | $0 |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow.
ASRV Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-K | Q1'2510-K | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 17.2%+19.2pp | 12.1%-1.4pp | 9.4%+3.1pp | 16.5%+7.5pp | -1.9%+0.9pp | 13.6%-0.3pp | 6.3%+53.2pp | 9.0%+4.1pp |
| Return on Equity | 2.2%+2.5pp | 1.5%-0.2pp | 1.2%+0.4pp | 2.2%+1.1pp | -0.3%+0.1pp | 1.7%-0.1pp | 0.8%+6.0pp | 1.1%+0.4pp |
| Return on Assets | 0.2%+0.2pp | 0.1%0.0pp | 0.1%0.0pp | 0.2%+0.1pp | 0.0%0.0pp | 0.1%0.0pp | 0.1%+0.4pp | 0.1%0.0pp |
| Debt-to-Equity | 10.88-1.2x | 11.20-0.7x | 11.19-1.1x | 11.76-0.2x | 12.06-0.5x | 11.92-0.4x | 12.26-0.3x | 11.99-0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| AmeriServ Financial Inc ASRV | FY2025 | $59.3M | $5.6M | 9.5% | $74.7M | 22/100 |
| Texas Community Bancshares, Inc. TCBS | FY2025 | $16.4M | $2.8M | 17.3% | $48.8M | 36/100 |
| OptimumBank Holdings, Inc. OPHC | FY2025 | $49.4M | $16.6M | 33.7% | $108.6M | 63/100 |
| Home Federal Bancorp, Inc. of Louisiana HFBL | FY2026 | $24.5M | $6.2M | 25.2% | $73.2M | 33/100 |
| BayFirst Financial Corp. BAFN | FY2025 | $63.1M | -$24.6M | -39.0% | $209.0M | 6/100 |
| Kentucky First Federal Bancorp KFFB | FY2025 | $8.8M | $181K | 2.1% | $45.9M | 18/100 |
Where AmeriServ Financial Inc Ranks
Frequently Asked Questions
What is AmeriServ Financial Inc's annual revenue?
AmeriServ Financial Inc (ASRV) reported $59.3M in total revenue for fiscal year 2025. This represents a 9.7% 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 Financial Inc's revenue growing?
AmeriServ Financial Inc (ASRV) revenue grew by 9.7% year-over-year, from $54.0M to $59.3M in fiscal year 2025.
Is AmeriServ Financial Inc profitable?
Yes, AmeriServ Financial Inc (ASRV) reported a net income of $5.6M in fiscal year 2025, with a net profit margin of 9.5%.
What is AmeriServ Financial Inc's net profit margin?
AmeriServ Financial Inc (ASRV) had a net profit margin of 9.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does AmeriServ Financial Inc pay dividends?
Yes, AmeriServ Financial Inc (ASRV) paid $0.12 per share in dividends during fiscal year 2025.
What is AmeriServ Financial Inc's return on equity (ROE)?
AmeriServ Financial Inc (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 Financial Inc's operating cash flow?
AmeriServ Financial Inc (ASRV) generated $3.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are AmeriServ Financial Inc's total assets?
AmeriServ Financial Inc (ASRV) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What is AmeriServ Financial Inc's debt-to-equity ratio?
AmeriServ Financial Inc (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 Financial Inc's return on assets (ROA)?
AmeriServ Financial Inc (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 Financial Inc's P/E ratio?
AmeriServ Financial Inc (ASRV) trades at 8.8x earnings, its market capitalization divided by net income of $8.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $74.7M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is AmeriServ Financial Inc's price-to-sales ratio?
AmeriServ Financial Inc (ASRV) trades at 1.2x sales, its market capitalization divided by revenue of $61.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $74.7M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is AmeriServ Financial Inc's Piotroski F-Score?
AmeriServ Financial Inc (ASRV) has a Piotroski F-Score of 4 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 Financial Inc's earnings high quality?
AmeriServ Financial Inc (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 Financial Inc?
AmeriServ Financial Inc (ASRV) scores 22 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.