Friday 6 November 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.

Revenue: +4.04%
EPS: +900.0%
Free cash flow: −756.9%
Total debt: −16.5%

Quarter to June 2026, against a year earlier

4.94 0.06 +1.23%

Follow ASRV

Alert me

Market cap: $82.9M
P/E: 9.6×
Fwd P/E: 0.0×
Dividend yield: 2.45%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

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

Show all line items

Columns are period end dates

Stockrow Weekly