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

Insider Decisions trades per month

Total buys 0.02

Total sells 0.05

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	1	—	—	—	1	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 24.43%

Capital & Financial Ratios $m

Market Cap 75.73

Revenue 89.55

Net Income 8.52

Free Cash Flow 0.13

Net Debt 28.75

Current Ratio 0.83

Debt/Equity 0.53

P/E ratio 8.90

Fwd P/E 0.00

P/S ratio 0.86

P/B ratio 0.63

Past 5Y EPS Growth 4.72%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth (100.00%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 11.21%

10-year low 10-year high

P/S against its own 10 years 37.97%

10-year low 10-year high

P/B against its own 10 years 57.65%

10-year low 10-year high

Dividends

Payout Ratio 0.24

Annual Dividend Rate 0.12

Annual Dividend Yield 2.64%

	total	individual payouts
2026	0.09	0.03 0.03 0.03
2025	0.12	0.03 0.03 0.03 0.03
2024	0.12	0.03 0.03 0.03 0.03
2023	0.12	0.03 0.03 0.03 0.03
2022	0.12	0.03 0.03 0.03 0.03
2021	0.10	0.03 0.03 0.03 0.03
2020	0.10	0.03 0.03 0.03 0.03
2019	0.10	0.02 0.03 0.03 0.03
2018	0.08	0.02 0.02 0.02 0.02
2017	0.06	0.02 0.02 0.02 0.02
2016	0.05	0.01 0.01 0.02 0.02

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	14	18	58	37
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,043	1,078	1,084	1,045

	2023	2024	2025	Q'26
Payables	1,158	1,201	1,248	1,261
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,199	1,216	1,248	1,261

Compound Annual Growth %

	10y	5y	3y
Sales	4.45%	6.94%	10.35%
Cash Flow	(10.65%)	0.00%	(15.11%)
Earnings	(0.31%)	4.07%	(9.00%)
Book Value	0.03%	2.71%	3.96%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	21	23	—	—	—
’25	21	22	23	23	88
’24	21	21	21	22	84
’23	20	19	20	19	77
’22	15	16	17	18	66
’21	16	16	16	16	64
’20	16	16	16	16	63

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	(1)	—	—	—
’25	1	0	1	1	3
’24	(2)	2	0	3	3
’23	2	1	3	1	6
’22	2	(1)	1	3	5
’21	7	2	(2)	2	10
’20	(1)	(1)	(3)	3	(1)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	(2)	—	—	—
’25	2	0	1	1	4
’24	(3)	1	(1)	4	1
’23	1	0	2	1	5
’22	1	(1)	0	3	3
’21	6	2	(2)	2	9
’20	(1)	(1)	(3)	3	(3)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.11	0.16	—	—	—
’25	0.12	(0.02)	0.15	0.09	0.34
’24	0.11	(0.02)	0.07	0.05	0.21
’23	0.09	(0.01)	0.04	(0.31)	(0.20)
’22	0.14	0.12	0.12	0.06	0.43
’21	0.12	0.10	0.08	0.11	0.41
’20	0.08	0.08	0.06	0.04	0.27

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	2.90	3.48	3.93	3.92	2.36	3.05	3.66	2.41	2.20	2.03	Analyst estimates 2026–2028 Powerpack
	High	3.85	4.40	4.55	4.30	4.28	5.34	4.52	4.12	3.40	3.42
People
People	Employees	326	321	321	328	314	319	329	323	313	311
	Revenue/emp, $m	0.17	0.18	0.19	0.20	0.20	0.20	0.20	0.24	0.27	0.28
Income, $m
Income, $m	Revenue	57	59	61	65	63	64	66	77	84	88
	Gross margin, %	86.31	85.09	81.08	77.80	83.35	88.23	87.08	67.84	63.95	67.07
	EBT	3	9	9	8	6	9	9	(4)	4	7
	EBT margin, %	5.68	14.71	15.40	11.78	9.20	13.62	13.99	(5.68)	5.21	7.69
	Net income	2	3	8	6	5	7	7	(3)	4	6
	Depreciation	2	2	2	2	2	1	2	2	2	2
Per share, $
Per share, $	Revenue	2.99	3.19	3.42	3.72	3.70	3.77	3.84	4.51	5.03	5.35
	Earnings	0.12	0.18	0.43	0.35	0.27	0.41	0.44	(0.20)	0.21	0.34
	Cash flow	0.35	0.41	0.45	0.28	(0.08)	0.58	0.30	0.37	0.16	0.19
	Capex	(0.06)	(0.14)	(0.12)	(0.15)	(0.07)	(0.07)	(0.12)	(0.08)	(0.09)	0.02
	Free cash flow	0.29	0.27	0.33	0.13	(0.15)	0.51	0.18	0.29	0.07	0.21
	Book value	5.05	5.14	5.46	5.68	6.12	6.83	6.21	5.97	6.38	7.22
	Shares, m	19	18	18	17	17	17	17	17	17	17
Valuation, ×
Valuation, ×	P/E	30.83	23.82	9.16	12.00	12.04	9.41	8.93	0.00	12.76	9.38
	P/S	1.24	1.27	1.18	1.13	0.85	1.02	1.02	0.72	0.53	0.60
	P/B	0.73	0.79	0.74	0.74	0.51	0.57	0.63	0.54	0.42	0.44
	EV/Sales	1.80	1.82	1.70	1.98	1.75	1.50	1.42	1.49	1.33	0.77
	EV/FCF	18.67	21.80	17.76	56.08	(41.93)	11.14	29.70	23.34	90.93	19.39
Cash, $m
Cash, $m	Operating cash flow	7	8	8	5	(1)	10	5	6	3	3
	Capex	(1)	(3)	(2)	(3)	(1)	(1)	(2)	(1)	(1)	0
	Free cash flow	5	5	6	2	(3)	9	3	5	1	4
Balance, $m
Balance, $m	Working capital	(66)	(77)	(97)	(79)	(76)	(121)	(189)	(156)	(138)	(165)
	Total debt	66	67	67	77	89	72	49	74	85	74
	Net debt	32	32	32	55	57	31	26	60	68	16
	Shareholders’ equity	95	95	98	99	104	117	106	102	107	119
Returns, %
Returns, %	ROA	0.20	0.28	0.67	0.52	0.37	0.54	0.55	(0.24)	0.26	0.39
	ROIC	1.58	4.25	4.53	3.09	2.25	3.72	4.35	(1.69)	1.57	3.15
	ROE	2.37	3.46	8.05	6.13	4.53	6.40	6.69	(3.21)	3.44	4.95

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FUSB FIRST US BANCSH	$90.6M	12.2×	—	+1.73% (above 0%: growing)	+933.33% (above 0%: growing)	−118.35% (below 0%: shrinking)	67.72%	0.00%	Compare
FDSB Fifth District Bancorp, Inc.	$88.4M	49.7×	—	−34.40% (below 0%: shrinking)	−86.89% (below 0%: shrinking)	+457.01% (above 0%: growing)	65.53%	0.00%	Compare
CPBI Central Plains Bancshares, Inc.	$82.6M	16.8×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
SSBI Summit State Bank	$81.7M	36.5×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
UBCP United Bancorp, Inc.	$77.6M	9.7×	11.8×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%	Compare
ASRV AmeriServ Financial Inc.	$75.7M	8.9×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%
HFBL Home Federal Bancorp, Inc. of Louisiana	$73.1M	11.8×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%	Compare
CLST Catalyst Bancorp, Inc.	$68.0M	29.8×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	0.00%	Compare
CULL Cullman Bancorp, Inc.	$65.2M	32.5×	19.5×	+8.86% (above 0%: growing)	−26.67% (below 0%: shrinking)	−90.89% (below 0%: shrinking)	71.49%	0.00%	Compare
Median of peers	$79.6M	23.3×	11.8×	+3.32%	+9.09%	−52.56%	70.95%	0.00%

All 323 Banks Regional stocks →

AmeriServ Financial Inc. (ASRV) key facts

Strength: AmeriServ Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $88.3 million, up 4.57% from fiscal 2024.
Strength: Net income was $5.6 million, or $0.34 per share (basic), a net margin of 6.35%.
AmeriServ Financial Inc. (ASRV) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ASRV traded at $4.54, a market capitalization of $75.7 million.
At that price the stock trades at 8.9× trailing-twelve-month earnings and 0.9× sales; its P/E is higher than 11% of its own readings over the past ten years.
AmeriServ Financial Inc. pays an annual dividend of $0.12 per share, a yield of 2.64%, with a payout ratio of 23.5%.
Return on equity was 4.95% and debt-to-equity 0.53.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.