Saturday 17 October 2026 Export ASRV’s income statement to Excel — free account

AmeriServ Financial Inc.

AmeriServ Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $88.3 million, up 4.57% from fiscal 2024. In the quarter to June 2026, revenue grew 4.04%, EPS grew 900.0%, free cash flow fell 756.9% and total debt fell 16.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

4.54 0.08 +1.79%

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Market cap: $75.7M
P/E: 8.9×
Fwd P/E: 0.0×
Dividend yield: 2.64%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	30.83	23.82	9.16	12.00	12.04	9.41	8.93	0.00	12.76	9.38
Piotroski F-Score Full definition →	4	6	6	5	4	6	4	4	6	7
P/S ratio Full definition →	1.24	1.27	1.18	1.13	0.85	1.02	1.02	0.72	0.53	0.60
P/FCF ratio Full definition →	12.83	15.21	12.28	31.94	0.00	7.57	21.39	11.23	36.31	14.93
P/Operating CF Full definition →	7.86	37.82	17.14	20.53	17.61	27.92	20.04	50.04	13.35	42.29
P/B ratio Full definition →	0.73	0.79	0.74	0.74	0.51	0.57	0.63	0.54	0.42	0.44
Price to Tangible BV Full definition →	0.84	0.90	0.84	0.84	0.58	0.64	0.73	0.63	0.48	0.50
EV/Sales Full definition →	1.80	1.82	1.70	1.98	1.75	1.50	1.42	1.49	1.33	0.77
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	15.43	14.27	13.09	26.18	(80.46)	9.76	17.92	18.36	41.96	21.47
EV/FCF Full definition →	18.67	21.80	17.76	56.08	(41.93)	11.14	29.70	23.34	90.93	19.39
Quick Ratio Full definition →	0.03	0.03	0.04	0.02	0.03	0.04	0.02	0.01	0.01	0.05
Current Ratio Full definition →	0.93	0.92	0.90	0.92	0.93	0.89	0.84	0.87	0.89	0.87
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	5.71%	5.71%	5.79%	6.60%	6.91%	5.40%	3.60%	5.32%	6.01%	5.08%
Debt/Equity Full definition →	0.69	0.70	0.69	0.78	0.85	0.62	0.46	0.72	0.80	0.62
Asset Turnover Full definition →	0.05	0.05	0.05	0.06	0.05	0.05	0.05	0.06	0.06	0.06
Operating CF/Net income Full definition →	2.87	2.28	1.03	0.81	(0.30)	1.41	0.70	(1.88)	0.75	0.57
Capex/Depreciation Full definition →	(0.56)	(1.34)	(1.21)	(1.30)	(0.80)	(1.53)	(1.33)	(0.68)	(0.72)	0.19
ROE Full definition →	2.37%	3.46%	8.05%	6.13%	4.53%	6.40%	6.69%	(3.21%)	3.44%	4.95%
ROA Full definition →	0.20%	0.28%	0.67%	0.52%	0.37%	0.54%	0.55%	(0.24%)	0.26%	0.39%
ROIC Full definition →	1.58%	4.25%	4.53%	3.09%	2.25%	3.72%	4.35%	(1.69%)	1.57%	3.15%
Return on Tangible Assets Full definition →	(4.19%)	(5.15%)	(9.25%)	(9.36%)	(7.45%)	(6.64%)	(4.26%)	2.35%	(2.91%)	(3.72%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	80.64%	70.38%	65.68%	66.03%	74.15%	74.61%	73.09%	73.52%	58.74%	59.38%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.04%	0.02%	0.02%	0.01%	0.00%	0.07%	0.08%	0.06%	0.01%	0.00%
Graham Net Nets Full definition →	(2.06)	(2.03)	(2.35)	(2.31)	(3.27)	(3.04)	(3.72)	(4.40)	(5.27)	(4.76)
Graham Number Full definition →	3.69	4.43	7.35	6.69	5.98	7.94	7.84	0.00	5.49	7.43
Earnings Yield Full definition →	3.24%	4.20%	10.92%	8.33%	8.31%	10.62%	11.20%	(5.86%)	7.84%	10.66%
Free Cash Flow Yield Full definition →	7.79%	6.57%	8.14%	3.13%	(4.94%)	13.21%	4.67%	8.90%	2.75%	6.70%
Revenue per Share Full definition →	2.99	3.19	3.42	3.72	3.70	3.77	3.84	4.51	5.03	5.35
Operating CF per Share Full definition →	0.35	0.41	0.45	0.28	(0.08)	0.58	0.30	0.37	0.16	0.19
Capex per Share Full definition →	(0.06)	(0.14)	(0.12)	(0.15)	(0.07)	(0.07)	(0.12)	(0.08)	(0.09)	0.02
Free Cash Flow per Share Full definition →	0.29	0.27	0.33	0.13	(0.15)	0.51	0.18	0.29	0.07	0.21
Cash per Share Full definition →	1.80	1.85	1.95	1.28	1.85	2.41	1.34	0.82	1.06	3.52
Shareholders Equity per Share Full definition →	5.05	5.14	5.46	5.68	6.12	6.83	6.21	5.97	6.38	7.22
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	5.05	5.14	5.46	5.68	6.12	6.83	6.21	5.97	6.38	7.22
Free Cash Flow Full definition →	5.45	4.92	5.89	2.28	(2.63)	8.71	3.14	4.95	1.24	3.53
Working Capital Full definition →	(66.42)	(76.69)	(97.36)	(79.01)	(76.05)	(120.65)	(189.33)	(156.41)	(137.91)	(164.59)
Capital Expenditures Full definition →	(1.14)	(2.60)	(2.10)	(2.61)	(1.26)	(1.23)	(2.07)	(1.34)	(1.45)	0.34
Net Current Asset Value Full definition →	(144.27)	(152.22)	(169.86)	(168.66)	(174.76)	(200.29)	(249.85)	(244.46)	(237.38)	(250.96)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.02	0.04	0.03	0.04	0.02	0.02	0.03	0.02	0.02	0.00
Price to Operating Income Full definition →	21.80	9.12	7.65	9.59	9.68	7.95	7.64	0.00	10.24	7.75
Other line items
Depreciation/Fixed assets Full definition →	0.18	0.15	0.13	0.14	0.11	0.06	0.11	0.14	0.14	0.13
Cash ROIC Full definition →	2.79%	2.51%	2.94%	1.15%	(1.17%)	3.79%	1.76%	2.60%	0.59%	1.40%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.01	0.01	0.01	0.02	0.01	0.01	0.01	0.02	0.03	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	45,667.99	39,340.53	29,866.16	24,473.80	36,618.72	54,821.11	47,629.90	17,020.99	14,392.85	15,660.06
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	935.54	957.87	948.56	954.84	1,007.72	1,097.15	1,123.96	1,133.45	1,179.68	1,224.56
Average Assets Full definition →	1,151.14	1,160.72	1,164.17	1,165.93	1,226.96	1,309.15	1,349.72	1,376.76	1,406.00	1,438.09
Average Common Equity Full definition →	96.68	95.25	96.54	98.30	101.51	110.47	111.36	104.23	104.76	113.28

Fold the line items

Columns are period end dates

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