Ameriserv Financial Inc (ASRV) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Ameriserv Financial reported revenue of $59.3M, up 9.7% from $54.0M the year before. Net income was $5.6M (a 9.5% net margin), or $0.34 per diluted share. Net interest income was $42.3M, and the efficiency ratio (noninterest expense / revenue) was 81.6%. Operating activities generated $3.2M of cash. At fiscal year end, Ameriserv Financial held $1.45B in total assets against $1.33B in total liabilities.
Open the full interactive Ameriserv Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Ameriserv Financial Key Stats
| Share Price | $4.35 |
|---|---|
| Market Cap | $73.8M |
| P/E Ratio | 12.8 |
| Revenue YoY Growth | +9.7% |
| 52-Week Range | $2.82 – $5.24 |
| Shares Outstanding | 17.0 million (basic, 2026 Q2) |
Ameriserv Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $36.4M | $39.1M | $40.6M | $36.0M | $36.0M | $42.3M |
| Provision for Credit Losses | $2.4M | $1.1M | $50,000 | $7.4M | $884,000 | $4.1M |
| Noninterest Income | $16.3M | $17.8M | $16.7M | $16.4M | $18.0M | $17.0M |
| Noninterest Expense | $44.5M | $47.0M | $48.0M | $49.4M | $48.7M | $48.3M |
| Revenue | $52.6M | $56.8M | $57.3M | $52.4M | $54.0M | $59.3M |
| Pre-Tax Income | $5.8M | $8.8M | $9.2M | -$4.4M | $4.4M | $6.8M |
| Income Tax | $1.2M | $1.7M | $1.8M | -$1.0M | $798,000 | $1.2M |
| Net Income | $4.6M | $7.1M | $7.4M | -$3.3M | $3.6M | $5.6M |
| Diluted EPS | $0.27 | $0.41 | $0.43 | -$0.20 | $0.21 | $0.34 |
Ameriserv Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $15.4M | $15.3M | $14.8M | $15.9M |
| Net Income | $2.5M | $1.4M | $1.8M | $2.7M |
| Diluted EPS | $0.15 | $0.09 | $0.11 | $0.16 |
Ameriserv Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $31.5M | — | — | — | — | — |
| Loans (Net) | $960.8M | $972.7M | $980.0M | $1.02B | $1.05B | $1.02B |
| Total Assets | $1.28B | $1.34B | $1.36B | $1.39B | $1.42B | $1.45B |
| Deposits | $1.05B | $1.14B | $1.11B | $1.16B | $1.20B | $1.25B |
| Total Long-Term Debt | $171.0M | $138.5M | $92.8M | $142.5M | $165.6M | $142.8M |
| Total Liabilities | $1.18B | $1.22B | $1.26B | $1.29B | $1.32B | $1.33B |
| Shareholders' Equity | $104.4M | $116.5M | $106.2M | $102.3M | $107.2M | $119.3M |
Ameriserv Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$1.4M | $9.9M | $5.2M | $6.3M | $2.7M | $3.2M |
| Cash From Investing | -$95.3M | -$488,000 | -$56.3M | -$40.0M | -$23.1M | $11.1M |
| Cash From Financing | $106.0M | $146,000 | $32.9M | $24.8M | $24.1M | $18.9M |
Figures from Ameriserv Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Ameriserv Financial financials page for every line item.
Ameriserv Financial Company Profile
| Ticker | ASRV |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Johnstown, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0000707605 |
Frequently Asked Questions
What was Ameriserv Financial's revenue in fiscal 2025?
Ameriserv Financial (ASRV) reported revenue of $59.3M for fiscal 2025.
What is Ameriserv Financial's annual revenue history?
Ameriserv Financial's annual revenue by fiscal year: 2020: $52.6M; 2021: $56.8M; 2022: $57.3M; 2023: $52.4M; 2024: $54.0M; 2025: $59.3M.
What was Ameriserv Financial's net income in fiscal 2025?
Ameriserv Financial reported net income of $5.6M for fiscal 2025.
What was Ameriserv Financial's earnings per share (EPS) in fiscal 2025?
Ameriserv Financial's diluted EPS was $0.34 for fiscal 2025 (adjusted for any later stock splits).
What was Ameriserv Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Ameriserv Financial reported revenue of $15.9M.
How much debt does Ameriserv Financial have?
Ameriserv Financial reported $142.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Ameriserv Financial are outstanding?
Ameriserv Financial reported a weighted average of 17.0 million basic shares outstanding in 2026 Q2.
What is Ameriserv Financial's market cap?
Based on its latest closing price, Ameriserv Financial (ASRV) has a market capitalization of about $73.8M.
When does Ameriserv Financial's fiscal year end?
Ameriserv Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Ameriserv Financial headquartered?
Ameriserv Financial lists its business address in Johnstown, Pennsylvania in its SEC filings.