AmeriServ Financial, Inc. is a holding company, which engages in the provision of consumer, mortgage and commercial financial products and services through its subsidiary. The company is headquartered in Johnstown, Pennsylvania. The Bank provides full-service banking and wealth management services through 16 community offices in southwestern Pennsylvania and Hagerstown, Maryland. The Bank also operates loan production offices in Altoona and Monroeville, Pennsylvania. The Bank provides retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, and money orders; and lending, depository and related financial services to commercial, industrial, financial, and governmental customers, such as commercial real estate mortgage loans (CRE), short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, and others. AmeriServ Wealth and Capital Management is a division of the Bank.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
6
6
4
-4
9
8
Income Tax Expense
1
1
0
-1
1
1
Net Income
5
5
3
-3
7
7
Net Income Growth
67%
67%
-200%
-143%
0%
75%
Shares Outstanding (Diluted)
16.56
16.53
16.8
17.14
17.15
17.11
Shares Change (YoY)
0%
-2%
-2%
0%
0%
0%
EPS (Diluted)
0.33
0.33
0.21
-0.19
0.43
0.41
EPS Growth
57.99%
57.99%
-210%
-145%
5%
52%
Free Cash Flow
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0
4
3
8
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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2
2
2
2
EBIT
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EBIT Margin
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Effective Tax Rate
16.66%
16.66%
0%
25%
11.11%
12.5%
Follow-Up Questions
What are Ameriserv Financial Inc's key financial statements?
According to the latest financial statement (Form-10K), Ameriserv Financial Inc has a total asset of $0, Net profit of $5
What are the key financial ratios for ASRV?
Ameriserv Financial Inc's Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is Ameriserv Financial Inc's revenue broken down by segment or geography?
Ameriserv Financial Inc largest revenue segment is Community Banking, at a revenue of 54,023,000 in the most earnings release.For geography, United States is the primary market for Ameriserv Financial Inc, at a revenue of 54,023,000.
Is Ameriserv Financial Inc profitable?
yes, according to the latest financial statements, Ameriserv Financial Inc has a net profit of $5
Does Ameriserv Financial Inc have any liabilities?
no, Ameriserv Financial Inc has liability of 0
How many outstanding shares for Ameriserv Financial Inc?
Ameriserv Financial Inc has a total outstanding shares of 0
