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AmeriServ Financial (ASRV) Financials

AmeriServ Financial logo
$3.87 -0.03 (-0.77%)
Closing price 07/20/2026 04:00 PM Eastern
Extended Trading
$3.90 +0.03 (+0.90%)
As of 07/20/2026 07:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for AmeriServ Financial

Annual Income Statements for AmeriServ Financial

This table shows AmeriServ Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 5.79 2.30 3.29 11 7.79 4.60 7.07 7.45 -3.35 3.60 4.79
Consolidated Net Income / (Loss)		 6.00 2.31 3.29 7.77 6.03 4.60 7.07 7.45 -3.35 3.60 5.61
Net Income / (Loss) Continuing Operations		 6.00 2.31 3.29 11 7.79 4.60 7.07 7.45 -3.35 3.60 4.79
Total Pre-Tax Income 		8.34 3.21 8.68 9.45 9.36 5.81 8.77 9.20 -4.39 4.40 6.80
Total Revenue		 51 49 50 53 52 53 57 57 52 54 58
Net Interest Income / (Expense)		 35 34 36 35 35 36 39 41 36 36 41
Total Interest Income		 42 42 44 47 50 47 47 49 61 67 71
Loans and Leases Interest Income		 38 38 39 41 43 41 41 41 52 57 60
Investment Securities Interest Income		 3.86 3.91 5.00 6.05 6.52 6.01 6.02 7.37 8.98 9.50 10
Total Interest Expense		 6.52 7.74 8.80 12 14 11 7.59 8.50 25 30 29
Deposits Interest Expense		 4.75 5.40 6.26 8.44 11 7.63 4.81 6.42 21 25 25
Short-Term Borrowings Interest Expense		 0.09 0.05 0.21 0.72 - 0.03 0.00 0.36 1.94 1.58 0.27
Long-Term Debt Interest Expense		 1.68 2.28 2.33 2.44 2.85 2.85 2.78 1.71 1.88 3.43 3.35
Total Non-Interest Income		 15 15 15 14 15 16 18 17 16 18 17
Other Service Charges		 4.47 2.48 2.36 2.56 2.77 14 16 15 14 17 16
Net Realized & Unrealized Capital Gains on Investments		 0.84 1.06 0.79 0.05 0.98 1.52 0.75 0.21 1.00 0.00 0.12
Other Non-Interest Income		 1.62 0.68 0.74 12 13 0.78 1.12 1.09 1.05 1.07 1.28
Provision for Credit Losses		 1.25 3.95 0.80 -0.60 0.80 2.38 1.10 0.05 7.43 0.88 4.12
Total Non-Interest Expense		 41 42 41 41 42 44 47 48 49 49 48
Salaries and Employee Benefits		 24 24 24 24 25 27 28 28 30 28 29
Net Occupancy & Equipment Expense		 4.71 4.47 4.19 3.93 4.01 7.50 7.87 8.46 8.97 9.32 9.50
Property & Liability Insurance Claims		 0.67 0.71 0.63 0.56 0.10 0.48 0.66 0.52 0.72 1.02 0.99
Other Operating Expenses		 12 13 12 12 12 9.09 10 11 10 10 8.91
Income Tax Expense		 2.34 0.90 5.39 1.68 1.57 1.21 1.70 1.75 -1.04 0.80 1.18
Basic Earnings per Share		 $0.31 $0.12 $0.18 $0.43 $0.35 $0.27 $0.41 $0.44 ($0.20) $0.21 $0.34
Weighted Average Basic Shares Outstanding		 18.86M 18.90M 18.50M 17.93M 17.36M 17.05M 17.07M 17.11M 17.14M 16.80M 16.52M
Diluted Earnings per Share		 $0.31 $0.12 $0.18 $0.43 $0.35 $0.27 $0.41 $0.43 ($0.20) $0.21 $0.34
Weighted Average Diluted Shares Outstanding		 18.93M 18.96M 18.60M 18.04M 17.44M 17.06M 17.11M 17.15M 17.14M 16.80M 16.53M
Weighted Average Basic & Diluted Shares Outstanding		 18.70M 19.10M 18.30M 18.10M 17.06M 17.07M 17.10M 17.15M 17.15M 16.52M 16.96M
Cash Dividends to Common per Share		 $0.04 $0.05 $0.06 $0.08 $0.10 $0.10 $0.10 $0.12 $0.12 $0.12 $0.12

Quarterly Income Statements for AmeriServ Financial

This table shows AmeriServ Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 0.65 -5.32 1.90 -0.38 1.18 0.89 1.91 -0.28 3.05 0.11 2.24
Consolidated Net Income / (Loss)		 0.65 -5.32 1.90 -0.38 1.18 0.89 1.91 -0.28 2.54 1.44 1.79
Net Income / (Loss) Continuing Operations		 0.65 -5.32 1.90 -0.38 1.18 0.89 1.91 -0.28 3.05 0.11 2.24
Total Pre-Tax Income 		0.77 -6.80 2.39 -0.48 1.42 1.08 2.39 -0.35 3.08 1.68 2.22
Total Revenue		 13 11 14 13 13 14 14 14 16 14 15
Net Interest Income / (Expense)		 8.80 8.59 8.75 8.88 8.89 9.54 9.93 10 11 10 11
Total Interest Income		 15 16 16 17 17 17 17 18 18 18 18
Loans and Leases Interest Income		 13 14 14 14 14 15 15 15 16 15 14
Investment Securities Interest Income		 2.23 2.31 2.38 2.45 2.35 2.32 2.40 2.58 2.65 2.74 2.78
Deposits and Money Market Investments Interest Income		 - - - - - - - - 0.14 - 0.26
Trading Account Interest Income		 - - - - - - - - - - 0.06
Total Interest Expense		 6.64 7.38 7.48 7.64 7.82 7.52 7.09 7.30 7.48 7.23 6.67
Deposits Interest Expense		 5.65 6.15 6.20 6.39 6.52 6.35 6.12 6.41 6.55 6.39 5.92
Short-Term Borrowings Interest Expense		 0.51 0.60 0.48 0.41 0.42 0.27 0.08 0.04 0.11 0.04 0.01
Long-Term Debt Interest Expense		 0.48 0.62 0.79 0.84 0.89 0.91 0.89 0.84 0.82 0.80 0.75
Total Non-Interest Income		 4.26 2.76 4.95 4.37 4.20 4.45 4.12 4.10 4.40 4.37 3.97
Other Service Charges		 3.88 3.40 4.57 4.13 3.96 4.25 3.86 3.82 4.32 3.59 4.24
Net Realized & Unrealized Capital Gains on Investments		 0.06 -0.88 - - - - 0.00 - - - -0.06
Other Non-Interest Income		 0.32 0.25 0.34 0.24 0.24 0.25 0.26 0.24 0.59 0.19 0.24
Provision for Credit Losses		 0.19 6.02 -0.56 0.43 -0.05 1.06 -0.10 3.13 0.36 0.72 0.22
Total Non-Interest Expense		 12 12 12 13 12 12 12 12 12 13 12
Salaries and Employee Benefits		 7.36 7.37 7.12 7.11 7.12 7.04 7.22 7.08 7.32 7.32 7.23
Net Occupancy & Equipment Expense		 2.23 2.26 2.34 2.26 2.36 2.36 2.48 2.30 2.33 2.38 2.52
Property & Liability Insurance Claims		 0.20 0.22 0.26 0.25 0.26 0.26 0.24 0.24 0.26 0.25 0.21
Other Operating Expenses		 2.31 2.29 2.16 3.68 1.98 2.20 1.82 2.09 2.06 2.95 2.41
Income Tax Expense		 0.12 -1.48 0.48 -0.11 0.24 0.19 0.48 -0.07 0.54 0.24 0.43
Basic Earnings per Share		 $0.04 ($0.32) $0.11 ($0.02) $0.07 $0.05 $0.12 ($0.02) $0.15 $0.09 $0.11
Weighted Average Basic Shares Outstanding		 17.15M 17.14M 17.15M 17.03M 16.52M 16.80M 16.52M 16.52M 16.52M 16.52M 16.93M
Diluted Earnings per Share		 $0.04 ($0.32) $0.11 ($0.02) $0.07 $0.05 $0.12 ($0.02) $0.15 $0.09 $0.11
Weighted Average Diluted Shares Outstanding		 17.15M 17.14M 17.15M 17.03M 16.52M 16.80M 16.52M 16.52M 16.52M 16.53M 16.93M
Weighted Average Basic & Diluted Shares Outstanding		 17.15M 17.15M 17.15M 16.52M 16.52M 16.52M 16.52M 16.52M 16.52M 16.96M 16.96M
Cash Dividends to Common per Share		 $0.03 - $0.03 $0.03 $0.03 - $0.03 $0.03 $0.03 - $0.03

Annual Cash Flow Statements for AmeriServ Financial

This table details how cash moves in and out of AmeriServ Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 16 -14 0.12 0.71 -13 9.34 9.60 -18 -8.94 3.72 33
Net Cash From Operating Activities		 9.83 6.59 7.52 7.98 4.89 -1.37 9.94 5.21 6.29 2.69 3.19
Net Cash From Continuing Operating Activities		 9.83 6.59 7.52 7.98 4.89 -1.37 9.94 5.21 6.29 2.69 3.19
Net Income / (Loss) Continuing Operations		 6.00 2.31 3.29 7.77 6.03 4.60 7.07 7.45 -3.35 3.60 5.61
Consolidated Net Income / (Loss)		 6.00 2.31 3.29 7.77 6.03 4.60 7.07 7.45 -3.35 3.60 5.61
Provision For Loan Losses		 1.25 3.95 0.80 -0.60 0.80 2.38 1.10 0.05 7.43 0.88 4.12
Depreciation Expense		 1.79 1.80 1.67 1.53 1.87 2.00 2.02 2.07 2.05 2.06 2.08
Amortization Expense		 0.09 0.26 0.27 0.20 0.14 -0.42 -1.21 -0.52 -0.06 -0.04 -0.31
Non-Cash Adjustments to Reconcile Net Income		 2.36 0.17 4.17 4.86 -3.97 -0.64 4.74 0.33 -0.79 -1.59 -6.81
Changes in Operating Assets and Liabilities, net		 -1.66 -1.89 -2.68 -5.77 0.03 -9.28 -3.79 -4.17 1.01 -2.23 -1.50
Net Cash From Investing Activities		 -50 -25 -20 2.69 -13 -95 -0.49 -56 -40 -23 11
Net Cash From Continuing Investing Activities		 -50 -25 -20 2.69 -13 -95 -0.49 -56 -40 -23 11
Purchase of Property, Leasehold Improvements and Equipment		 -0.88 -1.38 -2.71 -2.14 -2.82 -1.33 -1.24 -2.08 -1.38 -1.71 -1.12
Purchase of Investment Securities		 -309 -281 -215 -225 -240 -357 -393 -304 -250 -72 -52
Sale and/or Maturity of Investments		 261 257 198 230 229 263 353 250 211 50 64
Net Cash From Financing Activities		 56 4.15 13 -9.97 -4.59 106 0.15 33 25 24 19
Net Cash From Continuing Financing Activities		 56 4.15 13 -9.97 -4.59 106 0.15 33 25 24 19
Net Change in Deposits		 33 64 -20 1.23 11 94 42 -31 50 43 47
Issuance of Debt		 27 9.54 49 12 23 36 29 0.00 42 29 1.91
Repayment of Debt		 -4.00 -48 -12 -20 -34 -23 -57 66 -65 -44 -28
Repurchase of Common Equity		 0.00 0.00 -3.40 -2.35 -2.55 -0.15 - - 0.00 -1.51 0.00
Payment of Dividends		 -0.96 -0.96 -1.11 -1.35 -1.64 -1.72 -1.71 -1.97 -2.06 -2.02 -1.98
Other Financing Activities, Net		 - 0.07 0.16 0.06 0.10 0.08 0.06 0.11 0.09 0.00 0.01

Quarterly Cash Flow Statements for AmeriServ Financial

This table details how cash moves in and out of AmeriServ Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 0.94 -4.00 3.42 0.94 3.73 -4.37 5.88 1.40 29 -2.87 3.21
Net Cash From Operating Activities		 2.68 1.11 -2.15 1.70 -0.24 3.37 0.60 -0.06 1.40 1.25 0.36
Net Cash From Continuing Operating Activities		 2.68 1.11 -2.15 1.70 -0.24 3.37 0.60 -0.06 1.40 1.25 0.36
Net Income / (Loss) Continuing Operations		 0.65 -5.32 1.90 -0.38 1.18 0.89 1.91 -0.28 2.54 1.44 1.79
Consolidated Net Income / (Loss)		 0.65 -5.32 1.90 -0.38 1.18 0.89 1.91 -0.28 2.54 1.44 1.79
Provision For Loan Losses		 0.19 6.02 -0.56 0.43 -0.05 1.06 -0.10 3.13 0.36 0.72 0.22
Depreciation Expense		 0.49 0.50 0.51 0.52 0.48 0.55 0.52 0.53 0.50 0.52 0.55
Amortization Expense		 -0.01 -0.01 -0.00 -0.02 -0.00 -0.02 -0.05 -0.05 -0.06 -0.16 -0.08
Non-Cash Adjustments to Reconcile Net Income		 0.37 0.09 -0.77 0.37 -1.37 0.18 0.32 -0.29 -0.01 -6.83 0.57
Changes in Operating Assets and Liabilities, net		 1.00 -0.17 -3.24 0.78 -0.48 0.71 -2.01 -3.10 -1.93 5.54 -2.69
Net Cash From Investing Activities		 -16 -34 13 -17 4.71 -23 -2.44 -14 17 10 -15
Net Cash From Continuing Investing Activities		 -16 -34 13 -17 4.71 -23 -2.44 -14 17 10 -15
Purchase of Investment Securities		 -67 -79 -49 27 -8.58 -40 -20 12 -4.74 -5.85 -27
Sale and/or Maturity of Investments		 52 46 63 -45 13 19 18 -26 22 17 12
Net Cash From Financing Activities		 14 28 -6.99 16 -0.75 16 7.72 16 9.93 -14 18
Net Cash From Continuing Financing Activities		 14 28 -6.99 16 -0.75 16 7.72 16 9.93 -14 18
Net Change in Deposits		 1.73 29 18 -6.22 19 12 16 28 14 -10 22
Issuance of Debt		 7.00 24 8.60 5.66 11 3.54 0.91 0.50 0.50 - 0.00
Repayment of Debt		 5.72 -25 -33 19 -30 0.80 -8.53 -12 -4.14 -3.46 -3.77
Payment of Dividends		 -0.51 -0.52 -0.51 -0.52 -0.50 -0.50 -0.50 -0.50 -0.50 -0.50 -0.51
Other Financing Activities, Net		 - - - - - - 0.00 - - - 0.03

Annual Balance Sheets for AmeriServ Financial

This table presents AmeriServ Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,148 1,154 1,168 1,161 1,171 1,283 1,336 1,364 1,390 1,422 1,454
Cash and Due from Banks		 23 25 26 28 16 20 25 19 9.68 14 11
Interest Bearing Deposits at Other Banks		 6.96 3.07 2.70 2.74 2.76 2.59 11 4.13 4.35 3.86 39
Trading Account Securities		 141 158 168 188 187 195 218 241 230 220 184
Loans and Leases, Net of Allowance		 871 874 879 854 873 961 973 980 1,023 1,054 1,020
Loans and Leases		 881 884 890 862 883 972 985 991 1,038 1,068 1,033
Allowance for Loan and Lease Losses		 9.92 9.93 10 8.67 9.28 11 12 11 15 14 13
Premises and Equipment, Net		 12 12 13 13 15 14 14 14 14 14 14
Goodwill		 12 12 12 12 12 12 14 14 14 14 14
Intangible Assets		 - - - - - - 0.16 0.13 0.10 0.08 0.06
Other Assets		 76 64 60 59 66 78 81 91 95 103 172
Total Liabilities & Shareholders' Equity		 1,148 1,154 1,168 1,161 1,171 1,283 1,336 1,364 1,390 1,422 1,454
Total Liabilities		 1,030 1,058 1,073 1,063 1,073 1,178 1,219 1,258 1,287 1,315 1,335
Non-Interest Bearing Deposits		 189 189 184 151 136 178 211 195 172 172 159
Interest Bearing Deposits		 714 779 764 799 824 877 928 913 986 1,029 1,089
Short-Term Debt		 - - 49 41 22 25 0.00 89 41 15 0.00
Long-Term Debt		 117 79 67 67 74 85 69 46 71 83 71
Other Long-Term Liabilities		 9.17 12 8.91 5.36 16 13 10 14 17 17 15
Total Equity & Noncontrolling Interests		 119 95 95 98 99 104 117 106 102 107 119
Total Preferred & Common Equity		 119 95 95 98 99 104 117 106 102 107 119
Total Common Equity		 98 95 95 98 99 104 117 106 102 107 119
Common Stock		 146 146 146 146 146 146 146 146 147 147 147
Retained Earnings		 35 36 40 47 52 55 60 65 59 60 64
Treasury Stock		 -75 -75 -78 -81 -83 -83 -83 -83 -83 -85 -85
Accumulated Other Comprehensive Income / (Loss)		 -7.56 -12 -13 -14 -16 -13 -6.51 -23 -20 -15 -7.35

Quarterly Balance Sheets for AmeriServ Financial

This table presents AmeriServ Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,362 1,385 1,403 1,405 1,432 1,449 1,461 1,473
Cash and Due from Banks		 14 14 15 17 20 20 15 13
Interest Bearing Deposits at Other Banks		 3.60 3.35 2.93 4.88 3.87 4.81 39 41
Trading Account Securities		 169 166 164 165 164 174 174 193
Loans and Leases, Net of Allowance		 990 1,011 1,024 1,025 1,049 1,123 1,041 1,018
Loans and Leases		 1,002 1,026 1,039 1,040 1,062 1,069 1,056 1,031
Allowance for Loan and Lease Losses		 12 15 15 14 14 -53 14 13
Premises and Equipment, Net		 14 14 14 15 14 14 14 14
Goodwill		 14 14 14 14 14 14 14 14
Intangible Assets		 0.11 0.09 0.09 0.08 0.07 0.07 0.06 0.05
Other Assets		 157 162 168 164 168 100 165 180
Total Liabilities & Shareholders' Equity		 1,362 1,385 1,403 1,405 1,432 1,449 1,461 1,473
Total Liabilities		 1,260 1,281 1,300 1,297 1,321 1,338 1,347 1,352
Non-Interest Bearing Deposits		 178 179 176 172 177 203 200 162
Interest Bearing Deposits		 951 998 994 1,018 1,040 1,042 1,059 1,108
Short-Term Debt		 63 11 35 12 10 2.69 0.00 0.00
Long-Term Debt		 49 76 78 81 79 76 75 68
Other Long-Term Liabilities		 19 16 17 15 14 15 14 14
Total Equity & Noncontrolling Interests		 101 104 104 108 111 111 115 121
Total Preferred & Common Equity		 101 104 104 108 111 111 115 121
Total Common Equity		 101 104 104 108 111 111 115 121
Common Stock		 147 147 147 147 147 147 147 148
Retained Earnings		 65 60 59 60 62 61 63 65
Treasury Stock		 -83 -83 -85 -85 -85 -85 -85 -85
Accumulated Other Comprehensive Income / (Loss)		 -27 -20 -18 -14 -13 -12 -10 -7.98

Annual Metrics And Ratios for AmeriServ Financial

This table displays calculated financial ratios and metrics derived from AmeriServ Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 18,870,811.00 18,903,472.00 18,273,824.00 17,746,691.00 17,138,632.00 17,058,644.00 17,081,500.00 17,114,617.00 17,147,270.00 16,519,267.00 16,522,267.00
DEI Adjusted Shares Outstanding		 18,870,811.00 18,903,472.00 18,273,824.00 17,746,691.00 17,138,632.00 17,058,644.00 17,081,500.00 17,114,617.00 17,147,270.00 16,519,267.00 16,522,267.00
DEI Earnings Per Adjusted Shares Outstanding		 0.32 0.12 0.18 0.44 0.35 0.27 0.41 0.44 -0.20 0.22 0.34
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.67% -3.67% 2.94% 5.88% -1.29% 0.32% 7.98% 0.72% -8.46% 3.08% 8.15%
EBITDA Growth		 55.36% -48.48% 101.61% 37.61% -18.78% -37.77% 29.73% 12.20% -122.34% 367.19% 20.52%
EBIT Growth		 80.48% -61.55% 170.66% 48.44% -23.48% -41.05% 50.96% 4.87% -147.69% 200.25% 35.71%
NOPAT Growth		 98.38% -61.48% 42.55% 135.89% 0.24% -40.95% 53.81% 5.32% -141.24% 217.24% 55.85%
Net Income Growth		 98.38% -61.48% 42.55% 135.89% -22.40% -23.72% 53.81% 5.32% -144.92% 207.62% 55.85%
EPS Growth		 106.67% -61.29% 50.00% 138.89% -18.60% -22.86% 51.85% 4.88% -146.51% 205.00% 61.90%
Operating Cash Flow Growth		 98.15% -32.93% 14.06% 6.16% -38.75% -128.08% 823.89% -47.59% 20.71% -57.27% 18.61%
Free Cash Flow Firm Growth		 -74.67% 396.84% -152.05% 137.10% 51.25% -178.99% 341.72% -233.78% 149.36% -43.41% 46.19%
Invested Capital Growth		 13.27% -26.26% 21.12% -2.21% -5.33% 9.96% -13.42% 29.83% -11.09% -4.57% -6.83%
Revenue Q/Q Growth		 0.29% -0.12% 0.64% 5.64% -3.40% -2.30% 2.19% 0.65% -4.87% 5.14% -0.04%
EBITDA Q/Q Growth		 -4.95% -2.32% 8.14% 29.95% -23.29% -27.41% 19.05% 0.97% -144.11% 527.01% -10.45%
EBIT Q/Q Growth		 -5.68% -5.79% 11.14% 36.32% -27.40% -29.96% 23.04% -2.53% -225.98% 226.59% -10.92%
NOPAT Q/Q Growth		 11.63% -8.84% -39.44% 60.33% 6.86% -27.41% 19.62% -10.83% -205.12% 248.04% 10.93%
Net Income Q/Q Growth		 11.63% -8.84% -39.44% 60.33% -17.28% 0.50% 19.62% -10.83% -214.51% 238.02% 10.93%
EPS Q/Q Growth		 19.23% -14.29% -35.71% 48.28% -14.63% 3.85% 17.14% -12.24% -217.65% 231.25% 13.33%
Operating Cash Flow Q/Q Growth		 3.93% 578.40% -47.90% 38.90% -11.99% -60.96% -6.32% 23.61% -26.31% 532.24% -40.02%
Free Cash Flow Firm Q/Q Growth		 38.88% 9.56% -170.81% 157.95% -51.67% -86.90% 37.84% -614.48% 185.71% 35.01% 15.83%
Invested Capital Q/Q Growth		 1.09% -1.85% 8.04% -6.88% 2.81% 5.15% 0.99% 31.81% 0.42% 1.72% 0.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 20.19% 10.80% 21.15% 27.49% 22.62% 14.03% 16.86% 18.78% -4.58% 11.88% 13.24%
EBIT Margin		 16.47% 6.58% 17.29% 24.24% 18.79% 11.04% 15.44% 16.07% -8.37% 8.14% 10.22%
Profit (Net Income) Margin		 11.85% 4.74% 6.56% 14.61% 11.49% 8.73% 12.44% 13.01% -6.38% 6.67% 9.61%
Tax Burden Percent		 71.91% 72.03% 37.94% 82.24% 64.41% 79.11% 80.60% 80.95% 76.25% 81.86% 82.58%
Interest Burden Percent		 100.00% 100.00% 100.00% 73.30% 94.93% 100.00% 100.00% 100.00% 100.00% 100.00% 113.84%
Effective Tax Rate		 28.09% 27.97% 62.06% 17.76% 16.80% 20.89% 19.40% 19.05% 0.00% 18.14% 17.42%
Return on Invested Capital (ROIC)		 2.70% 1.13% 1.71% 3.73% 3.88% 2.24% 3.53% 3.49% -1.35% 1.72% 2.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.70% 1.13% 1.71% 3.73% 2.16% 2.24% 3.53% 3.49% -1.57% 1.72% 2.84%
Return on Net Nonoperating Assets (RNNOA)		 2.44% 1.03% 1.75% 4.32% 2.25% 2.29% 2.87% 3.20% -1.86% 1.72% 2.12%
Return on Equity (ROE)		 5.14% 2.16% 3.46% 8.05% 6.13% 4.53% 6.40% 6.69% -3.21% 3.44% 4.95%
Cash Return on Invested Capital (CROIC)		 -9.75% 31.36% -17.39% 5.96% 9.36% -7.24% 17.91% -22.47% 10.39% 6.39% 9.91%
Operating Return on Assets (OROA)		 0.75% 0.28% 0.75% 1.11% 0.85% 0.47% 0.67% 0.68% -0.32% 0.31% 0.42%
Return on Assets (ROA)		 0.54% 0.20% 0.28% 0.67% 0.52% 0.37% 0.54% 0.55% -0.24% 0.26% 0.39%
Return on Common Equity (ROCE)		 4.21% 1.94% 3.46% 8.05% 6.13% 4.53% 6.40% 6.69% -3.21% 3.44% 4.95%
Return on Equity Simple (ROE_SIMPLE)		 5.04% 2.42% 3.46% 7.93% 6.11% 4.40% 6.07% 7.01% -3.27% 3.36% 4.70%
Net Operating Profit after Tax (NOPAT)		 6.00 2.31 3.29 7.77 7.79 4.60 7.07 7.45 -3.07 3.60 5.61
NOPAT Margin		 11.85% 4.74% 6.56% 14.61% 14.84% 8.73% 12.44% 13.01% -5.86% 6.67% 9.61%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 1.72% 0.00% 0.00% 0.00% 0.22% 0.00% 0.00%
SG&A Expenses to Revenue		 56.80% 57.44% 55.98% 53.21% 56.10% 66.27% 62.83% 64.55% 73.65% 69.80% 65.78%
Operating Expenses to Revenue		 81.06% 85.33% 81.12% 76.89% 79.69% 84.45% 82.63% 83.84% 94.20% 90.22% 82.73%
Earnings before Interest and Taxes (EBIT)		 8.34 3.21 8.68 13 9.86 5.81 8.77 9.20 -4.39 4.40 5.97
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 10 5.27 11 15 12 7.39 9.58 11 -2.40 6.42 7.74
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.49 0.59 0.65 0.61 0.62 0.45 0.51 0.59 0.51 0.39 0.43
Price to Tangible Book Value (P/TBV)		 0.56 0.68 0.75 0.69 0.71 0.51 0.58 0.68 0.59 0.45 0.49
Price to Revenue (P/Rev)		 0.95 1.16 1.24 1.12 1.17 0.89 1.05 1.09 1.00 0.77 0.89
Price to Earnings (P/E)		 8.30 24.61 18.87 5.32 7.89 10.23 8.42 8.41 0.00 11.57 10.83
Dividend Yield		 1.57% 1.67% 1.76% 2.23% 2.65% 3.63% 2.87% 3.14% 3.93% 4.76% 3.83%
Earnings Yield		 12.06% 4.06% 5.30% 18.79% 12.68% 9.78% 11.87% 11.88% 0.00% 8.64% 9.23%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.61 0.71 0.67 0.72 0.63 0.50 0.72 0.70 0.59 0.38
Enterprise Value to Revenue (EV/Rev)		 3.07 2.19 2.97 2.58 2.66 2.55 1.64 3.05 2.87 2.25 1.24
Enterprise Value to EBITDA (EV/EBITDA)		 15.23 20.31 14.02 9.38 11.76 18.17 9.72 16.26 0.00 18.91 9.35
Enterprise Value to EBIT (EV/EBIT)		 18.66 33.35 17.16 10.64 14.16 23.09 10.62 18.99 0.00 27.59 12.11
Enterprise Value to NOPAT (EV/NOPAT)		 25.96 46.30 45.22 17.65 17.92 29.19 13.17 23.46 0.00 33.70 12.89
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.83 16.22 19.80 17.17 28.54 0.00 9.37 33.55 23.95 45.16 22.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 1.66 0.00 11.04 7.43 0.00 2.60 0.00 6.36 9.06 3.69
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.98 0.82 1.22 1.10 0.98 1.06 0.59 1.27 1.10 0.91 0.60
Long-Term Debt to Equity		 0.98 0.82 0.70 0.69 0.75 0.82 0.59 0.44 0.70 0.77 0.60
Financial Leverage		 0.90 0.91 1.02 1.16 1.04 1.02 0.81 0.92 1.19 1.00 0.75
Leverage Ratio		 9.59 10.74 12.19 12.06 11.86 12.09 11.85 12.12 13.21 13.42 12.70
Compound Leverage Factor		 9.59 10.74 12.19 8.84 11.26 12.09 11.85 12.12 13.21 13.42 14.45
Debt to Total Capital		 49.59% 45.19% 54.89% 52.47% 49.47% 51.35% 37.27% 55.98% 52.31% 47.60% 37.43%
Short-Term Debt to Total Capital		 0.00% 0.00% 23.28% 19.90% 11.48% 11.51% 0.00% 36.75% 19.09% 7.15% 0.00%
Long-Term Debt to Total Capital		 49.59% 45.19% 31.60% 32.57% 37.99% 39.84% 37.27% 19.24% 33.22% 40.45% 37.43%
Preferred Equity to Total Capital		 8.90% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 41.51% 54.81% 45.11% 47.53% 50.53% 48.65% 62.73% 44.02% 47.69% 52.40% 62.57%
Debt to EBITDA		 11.45 14.93 10.90 7.40 8.13 14.92 7.23 12.56 -46.71 15.18 9.23
Net Debt to EBITDA		 8.48 9.58 8.17 5.30 6.58 11.80 3.50 10.43 -40.87 12.42 2.65
Long-Term Debt to EBITDA		 11.45 14.93 6.27 4.60 6.25 11.58 7.23 4.32 -29.66 12.90 9.23
Debt to NOPAT		 19.52 34.05 35.14 13.93 12.40 23.97 9.79 18.13 -36.53 27.06 12.72
Net Debt to NOPAT		 14.45 21.85 26.35 9.97 10.04 18.96 4.75 15.05 -31.96 22.13 3.65
Long-Term Debt to NOPAT		 19.52 34.05 20.23 8.64 9.52 18.59 9.79 6.23 -23.20 22.99 12.72
Noncontrolling Interest Sharing Ratio		 18.00% 9.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -22 64 -33 12 19 -15 36 -48 24 13 20
Operating Cash Flow to CapEx		 1,116.00% 477.83% 278.04% 372.39% 173.34% -103.62% 800.89% 250.43% 455.32% 157.04% 283.54%
Free Cash Flow to Firm to Interest Expense		 -3.32 8.31 -3.81 1.07 1.31 -1.41 4.73 -5.65 0.95 0.44 0.67
Operating Cash Flow to Interest Expense		 1.51 0.85 0.86 0.69 0.34 -0.13 1.31 0.61 0.25 0.09 0.11
Operating Cash Flow Less CapEx to Interest Expense		 1.37 0.67 0.55 0.50 0.14 -0.26 1.15 0.37 0.20 0.03 0.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.03 4.10 4.11 4.08 3.75 3.63 4.00 4.01 3.66 3.81 4.15
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 236 174 211 206 195 215 186 241 214 205 191
Invested Capital Turnover		 0.23 0.24 0.26 0.26 0.26 0.26 0.28 0.27 0.23 0.26 0.30
Increase / (Decrease) in Invested Capital		 28 -62 37 -4.65 -11 19 -29 55 -27 -9.80 -14
Enterprise Value (EV)		 156 107 149 137 140 134 93 175 151 121 72
Market Capitalization		 48 56 62 60 61 47 60 63 52 42 52
Book Value per Share		 $5.19 $5.05 $5.20 $5.52 $5.75 $6.12 $6.82 $6.20 $5.96 $6.49 $7.22
Tangible Book Value per Share		 $4.56 $4.41 $4.55 $4.85 $5.06 $5.42 $6.02 $5.40 $5.17 $5.66 $6.39
Total Capital		 236 174 211 206 195 215 186 241 214 205 191
Total Debt		 117 79 116 108 97 110 69 135 112 97 71
Total Long-Term Debt		 117 79 67 67 74 85 69 46 71 83 71
Net Debt		 87 50 87 77 78 87 34 112 98 80 20
Capital Expenditures (CapEx)		 0.88 1.38 2.71 2.14 2.82 1.33 1.24 2.08 1.38 1.71 1.12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 1.76 0.00 0.00 0.00 0.27 0.00 0.00
Net Nonoperating Obligations (NNO)		 117 79 116 108 97 110 69 135 112 97 71
Total Depreciation and Amortization (D&A)		 1.88 2.06 1.94 1.73 2.01 1.57 0.81 1.55 1.99 2.02 1.77
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.31 $0.12 $0.18 $0.43 $0.35 $0.27 $0.00 $0.44 ($0.20) $0.21 $0.34
Adjusted Weighted Average Basic Shares Outstanding		 18.86M 18.90M 18.50M 17.93M 17.36M 17.05M 0.00 17.11M 17.14M 16.80M 16.52M
Adjusted Diluted Earnings per Share		 $0.31 $0.12 $0.18 $0.43 $0.35 $0.27 $0.00 $0.43 ($0.20) $0.21 $0.34
Adjusted Weighted Average Diluted Shares Outstanding		 18.93M 18.96M 18.60M 18.04M 17.44M 17.06M 0.00 17.15M 17.14M 16.80M 16.53M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.87M 18.90M 18.13M 17.62M 17.06M 17.07M 0.00 17.15M 17.15M 16.52M 16.96M
Normalized Net Operating Profit after Tax (NOPAT)		 6.00 2.31 6.08 7.77 8.20 4.60 7.39 7.45 -3.07 3.60 5.61
Normalized NOPAT Margin		 11.85% 4.74% 12.10% 14.61% 15.63% 8.73% 12.99% 13.01% -5.86% 6.67% 9.61%
Pre Tax Income Margin		 16.47% 6.58% 17.29% 17.77% 17.84% 11.04% 15.44% 16.07% -8.37% 8.14% 11.63%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.28 0.41 0.99 1.11 0.69 0.55 1.16 1.08 -0.18 0.14 0.21
NOPAT to Interest Expense		 0.92 0.30 0.37 0.67 0.54 0.44 0.93 0.88 -0.12 0.12 0.19
EBIT Less CapEx to Interest Expense		 1.14 0.24 0.68 0.93 0.49 0.43 0.99 0.84 -0.23 0.09 0.17
NOPAT Less CapEx to Interest Expense		 0.78 0.12 0.07 0.48 0.35 0.31 0.77 0.63 -0.18 0.06 0.15
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 16.07% 41.56% 33.80% 17.34% 27.24% 37.32% 24.15% 26.41% -61.51% 56.10% 35.32%
Augmented Payout Ratio		 16.07% 41.56% 137.17% 47.54% 69.54% 40.60% 24.15% 26.41% -61.51% 98.06% 35.32%

Quarterly Metrics And Ratios for AmeriServ Financial

This table displays calculated financial ratios and metrics derived from AmeriServ Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 17,147,270.00 17,147,270.00 17,147,270.00 17,147,270.00 16,519,267.00 16,519,267.00 16,519,267.00 16,519,267.00 16,519,267.00 16,522,267.00 16,964,267.00
DEI Adjusted Shares Outstanding		 17,147,270.00 17,147,270.00 17,147,270.00 17,147,270.00 16,519,267.00 16,519,267.00 16,519,267.00 16,519,267.00 16,519,267.00 16,522,267.00 16,964,267.00
DEI Earnings Per Adjusted Shares Outstanding		 0.04 -0.31 0.11 -0.02 0.07 0.05 0.12 -0.02 0.15 0.09 0.11
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -12.12% -19.12% -8.88% 2.12% 0.27% 23.25% 2.61% 9.38% 21.59% -0.17% 8.48%
EBITDA Growth		 -59.14% -509.55% 22.02% -95.76% 51.80% 125.59% -1.00% 933.33% 112.53% -55.95% 9.57%
EBIT Growth		 -70.66% -733.55% 26.50% -95.16% 84.18% 115.83% -0.04% 27.27% 152.96% -68.03% 11.86%
NOPAT Growth		 -69.22% -602.49% 25.68% -95.16% 82.84% 118.68% 0.21% 27.27% 115.05% 62.20% -5.97%
Net Income Growth		 -69.22% -661.88% 25.68% -100.53% 82.84% 116.71% 0.21% 24.80% 115.05% 62.20% -5.97%
EPS Growth		 -66.67% -740.00% 22.22% -100.00% 75.00% 115.63% 9.09% 0.00% 114.29% 80.00% -8.33%
Operating Cash Flow Growth		 233.00% -66.92% -220.22% 141.76% -108.76% 203.78% 127.83% -103.64% 697.45% -63.05% -40.57%
Free Cash Flow Firm Growth		 -1,072.84% 140.37% 154.99% 63.55% 145.28% -51.40% -159.71% 299.86% 6.33% 44.27% 294.32%
Invested Capital Growth		 16.69% -11.09% -5.05% 6.32% -5.79% -4.57% 4.77% -12.31% -5.89% -6.83% -6.10%
Revenue Q/Q Growth		 0.64% -13.04% 20.62% -3.26% -1.19% 6.89% 0.43% 3.12% 9.84% -12.24% 9.14%
EBITDA Q/Q Growth		 342.05% -604.16% 145.87% -99.59% 15,725.00% -15.01% 77.45% -95.67% 3,154.84% -82.38% 341.35%
EBIT Q/Q Growth		 410.89% -981.71% 135.11% -120.28% 393.39% -24.23% 121.75% -114.75% 1,120.45% -90.42% 675.87%
NOPAT Q/Q Growth		 472.70% -835.49% 140.01% -117.79% 449.17% -24.85% 114.62% -112.91% 1,132.47% -43.32% 24.41%
Net Income Q/Q Growth		 445.99% -922.41% 135.78% -119.70% 415.47% -24.85% 114.62% -114.78% 1,002.13% -43.32% 24.41%
EPS Q/Q Growth		 500.00% -900.00% 134.38% -118.18% 450.00% -28.57% 140.00% -116.67% 850.00% -40.00% 22.22%
Operating Cash Flow Q/Q Growth		 281.25% -58.64% -293.87% 179.09% -113.81% 1,534.89% -82.24% -110.35% 2,364.52% -11.25% -71.43%
Free Cash Flow Firm Q/Q Growth		 17.28% 173.55% -45.01% -208.95% 202.76% -21.06% -167.56% 464.67% -45.33% 7.10% -9.00%
Invested Capital Q/Q Growth		 5.19% 0.42% -10.72% 12.73% -6.79% 1.72% -1.98% -5.65% 0.04% 0.71% -1.22%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 9.58% -55.55% 21.13% 0.09% 14.51% 11.54% 20.38% 0.86% 25.36% 5.09% 20.59%
EBIT Margin		 5.91% -59.88% 17.43% -3.65% 10.85% 7.69% 16.98% -2.43% 22.57% 2.46% 17.51%
Profit (Net Income) Margin		 4.96% -46.87% 13.90% -2.83% 9.04% 6.35% 13.58% -1.95% 15.98% 10.32% 11.77%
Tax Burden Percent		 83.92% 78.27% 79.77% 77.48% 83.31% 82.62% 79.97% 80.11% 82.49% 85.94% 80.81%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 85.86% 487.79% 83.18%
Effective Tax Rate		 16.08% 0.00% 20.23% 0.00% 16.69% 17.38% 20.03% 0.00% 17.51% 14.06% 19.19%
Return on Invested Capital (ROIC)		 1.38% -9.64% 3.61% -0.63% 2.24% 1.64% 3.77% -0.47% 4.78% 3.05% 3.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.38% -10.10% 3.61% -0.66% 2.24% 1.64% 3.77% -0.50% 4.78% 3.05% 3.61%
Return on Net Nonoperating Assets (RNNOA)		 1.31% -11.97% 3.16% -0.68% 2.19% 1.64% 3.11% -0.45% 3.60% 2.27% 2.46%
Return on Equity (ROE)		 2.69% -21.62% 6.77% -1.30% 4.43% 3.28% 6.88% -0.91% 8.39% 5.32% 6.06%
Cash Return on Invested Capital (CROIC)		 -13.93% 10.39% 3.80% -7.51% 4.79% 6.39% -2.82% 14.95% 8.66% 9.91% 9.12%
Operating Return on Assets (OROA)		 0.24% -2.28% 0.65% -0.14% 0.40% 0.30% 0.66% -0.09% 0.92% 0.10% 0.72%
Return on Assets (ROA)		 0.20% -1.78% 0.52% -0.11% 0.34% 0.24% 0.52% -0.08% 0.65% 0.42% 0.48%
Return on Common Equity (ROCE)		 2.69% -21.62% 6.77% -1.30% 4.43% 3.28% 6.88% -0.91% 8.39% 5.32% 6.06%
Return on Equity Simple (ROE_SIMPLE)		 2.88% 0.00% -2.85% -3.03% -2.41% 0.00% 3.25% 3.33% 4.42% 0.00% 4.56%
Net Operating Profit after Tax (NOPAT)		 0.65 -4.76 1.90 -0.34 1.18 0.89 1.91 -0.25 2.54 1.44 1.79
NOPAT Margin		 4.96% -41.91% 13.90% -2.56% 9.04% 6.35% 13.58% -1.70% 15.98% 10.32% 11.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.45% 0.00% 0.03% 0.00% 0.00% 0.00% 0.04% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 73.47% 84.76% 69.03% 70.74% 72.47% 67.17% 69.07% 64.73% 60.60% 69.48% 63.91%
Operating Expenses to Revenue		 92.65% 106.87% 86.64% 100.38% 89.54% 84.75% 83.71% 80.81% 75.17% 92.35% 81.07%
Earnings before Interest and Taxes (EBIT)		 0.77 -6.80 2.39 -0.48 1.42 1.08 2.39 -0.35 3.59 0.34 2.67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.25 -6.31 2.89 0.01 1.90 1.61 2.86 0.12 4.04 0.71 3.14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.42 0.51 0.40 0.35 0.38 0.39 0.35 0.45 0.41 0.43 0.50
Price to Tangible Book Value (P/TBV)		 0.49 0.59 0.47 0.41 0.43 0.45 0.39 0.51 0.47 0.49 0.57
Price to Revenue (P/Rev)		 0.78 1.00 0.82 0.71 0.79 0.77 0.70 0.89 0.81 0.89 1.02
Price to Earnings (P/E)		 14.68 0.00 0.00 0.00 0.00 11.57 10.60 13.44 8.52 10.83 11.90
Dividend Yield		 4.80% 3.93% 4.90% 5.62% 4.86% 4.76% 5.19% 3.99% 4.18% 3.83% 3.34%
Earnings Yield		 6.81% 0.00% 0.00% 0.00% 0.00% 8.64% 9.43% 7.44% 11.74% 9.23% 8.40%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.70 0.59 0.60 0.56 0.59 0.52 0.54 0.36 0.38 0.40
Enterprise Value to Revenue (EV/Rev)		 2.49 2.87 2.20 2.54 2.17 2.25 1.92 1.85 1.17 1.24 1.25
Enterprise Value to EBITDA (EV/EBITDA)		 25.18 0.00 0.00 0.00 0.00 18.91 16.35 15.85 7.92 9.35 9.30
Enterprise Value to EBIT (EV/EBIT)		 39.37 0.00 0.00 0.00 0.00 27.59 23.75 22.74 10.21 12.11 11.92
Enterprise Value to NOPAT (EV/NOPAT)		 46.93 0.00 0.00 0.00 0.00 33.70 28.97 27.86 13.53 12.89 13.55
Enterprise Value to Operating Cash Flow (EV/OCF)		 16.07 23.95 47.79 39.00 262.89 45.16 19.21 28.04 12.88 22.69 25.31
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 6.36 15.01 0.00 11.26 9.06 0.00 3.40 4.05 3.69 4.20
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.11 1.10 0.84 1.08 0.86 0.91 0.81 0.71 0.65 0.60 0.56
Long-Term Debt to Equity		 0.48 0.70 0.73 0.75 0.75 0.77 0.72 0.68 0.65 0.60 0.56
Financial Leverage		 0.95 1.19 0.87 1.02 0.98 1.00 0.83 0.89 0.75 0.75 0.68
Leverage Ratio		 13.36 13.21 13.01 13.27 13.21 13.42 13.12 13.29 12.87 12.70 12.55
Compound Leverage Factor		 13.36 13.21 13.01 13.27 13.21 13.42 13.12 13.29 11.05 61.92 10.44
Debt to Total Capital		 52.56% 52.31% 45.72% 51.98% 46.23% 47.60% 44.79% 41.40% 39.49% 37.43% 35.92%
Short-Term Debt to Total Capital		 29.71% 19.09% 5.98% 16.02% 5.84% 7.15% 5.17% 1.42% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 22.85% 33.22% 39.75% 35.96% 40.39% 40.45% 39.62% 39.98% 39.49% 37.43% 35.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.44% 47.69% 54.28% 48.02% 53.77% 52.40% 55.21% 58.60% 60.51% 62.57% 64.08%
Debt to EBITDA		 20.61 -46.71 -46.57 -52.16 -61.89 15.18 14.06 12.05 8.66 9.23 8.45
Net Debt to EBITDA		 17.30 -40.87 -37.29 -43.62 -47.18 12.42 10.37 8.20 2.43 2.65 1.69
Long-Term Debt to EBITDA		 8.96 -29.66 -40.48 -36.08 -54.07 12.90 12.44 11.64 8.66 9.23 8.45
Debt to NOPAT		 38.41 -36.53 -32.17 -38.87 -38.24 27.06 24.93 21.19 14.78 12.72 12.31
Net Debt to NOPAT		 32.24 -31.96 -25.76 -32.50 -29.15 22.13 18.37 14.42 4.15 3.65 2.47
Long-Term Debt to NOPAT		 16.70 -23.20 -27.96 -26.89 -33.41 22.99 22.05 20.46 14.78 12.72 12.31
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -30 22 12 -13 14 11 -7.22 26 14 15 14
Operating Cash Flow to CapEx		 693.54% 299.19% -337.30% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -4.50 2.98 1.62 -1.73 1.73 1.42 -1.02 3.61 1.93 2.13 2.10
Operating Cash Flow to Interest Expense		 0.40 0.15 -0.29 0.22 -0.03 0.45 0.08 -0.01 0.19 0.17 0.05
Operating Cash Flow Less CapEx to Interest Expense		 0.35 0.10 -0.37 0.22 -0.03 0.45 0.08 -0.01 0.19 0.17 0.05
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.85 3.66 3.55 3.58 3.53 3.81 3.83 3.94 4.06 4.15 4.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 214 214 191 216 201 205 201 189 189 191 188
Invested Capital Turnover		 0.28 0.23 0.26 0.25 0.25 0.26 0.28 0.27 0.30 0.30 0.31
Increase / (Decrease) in Invested Capital		 31 -27 -10 13 -12 -9.80 9.13 -27 -12 -14 -12
Enterprise Value (EV)		 137 151 112 130 112 121 104 103 68 72 75
Market Capitalization		 43 52 42 37 41 42 38 50 47 52 61
Book Value per Share		 $5.91 $5.96 $6.06 $6.05 $6.55 $6.49 $6.70 $6.71 $6.94 $7.22 $7.12
Tangible Book Value per Share		 $5.11 $5.17 $5.26 $5.25 $5.72 $5.66 $5.88 $5.89 $6.11 $6.39 $6.31
Total Capital		 214 214 191 216 201 205 201 189 189 191 188
Total Debt		 112 112 88 112 93 97 90 78 75 71 68
Total Long-Term Debt		 49 71 76 78 81 83 79 76 75 71 68
Net Debt		 94 98 70 94 71 80 66 53 21 20 14
Capital Expenditures (CapEx)		 0.39 0.37 0.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.56 0.00 0.04 0.00 0.00 0.00 0.04 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 112 112 88 112 93 97 90 78 75 71 68
Total Depreciation and Amortization (D&A)		 0.48 0.49 0.51 0.50 0.48 0.54 0.48 0.48 0.44 0.37 0.47
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.04 ($0.32) $0.11 ($0.02) $0.07 $0.05 $0.12 ($0.02) $0.15 $0.09 $0.11
Adjusted Weighted Average Basic Shares Outstanding		 17.15M 17.14M 17.15M 17.03M 16.52M 16.80M 16.52M 16.52M 16.52M 16.52M 16.93M
Adjusted Diluted Earnings per Share		 $0.04 ($0.32) $0.11 ($0.02) $0.07 $0.05 $0.12 ($0.02) $0.15 $0.09 $0.11
Adjusted Weighted Average Diluted Shares Outstanding		 17.15M 17.14M 17.15M 17.03M 16.52M 16.80M 16.52M 16.52M 16.52M 16.53M 16.93M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.15M 17.15M 17.15M 16.52M 16.52M 16.52M 16.52M 16.52M 16.52M 16.96M 16.96M
Normalized Net Operating Profit after Tax (NOPAT)		 0.65 -4.76 1.90 -0.34 1.18 0.89 1.91 -0.25 2.54 1.44 1.79
Normalized NOPAT Margin		 4.96% -41.91% 13.90% -2.56% 9.04% 6.35% 13.58% -1.70% 15.98% 10.32% 11.77%
Pre Tax Income Margin		 5.91% -59.88% 17.43% -3.65% 10.85% 7.69% 16.98% -2.43% 19.38% 12.01% 14.56%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.12 -0.92 0.32 -0.06 0.18 0.14 0.34 -0.05 0.48 0.05 0.40
NOPAT to Interest Expense		 0.10 -0.64 0.25 -0.04 0.15 0.12 0.27 -0.03 0.34 0.20 0.27
EBIT Less CapEx to Interest Expense		 0.06 -0.97 0.23 -0.06 0.18 0.14 0.34 -0.05 0.48 0.05 0.40
NOPAT Less CapEx to Interest Expense		 0.04 -0.70 0.17 -0.04 0.15 0.12 0.27 -0.03 0.34 0.20 0.27
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 70.33% -61.51% -69.60% -65.44% -78.19% 56.10% 55.53% 53.60% 39.18% 35.32% 36.27%
Augmented Payout Ratio		 70.33% -61.51% -69.60% -113.48% -136.11% 98.06% 55.53% 53.60% 39.18% 35.32% 36.27%

Financials Breakdown Chart

Key Financial Trends

AmeriServ Financial (NASDAQ: ASRV) showed a solid rebound in Q1 2026, but the longer trend still looks mixed. The company moved back to profitability, improved operating cash flow, and ended the quarter with higher equity than a year ago. At the same time, core earnings remain uneven from quarter to quarter, and deposit and loan balances have shifted enough to suggest a business that is still working through volatility in its balance sheet and loan book.

  • Q1 2026 net income attributable to common shareholders rose to $2.24 million, up from $1.44 million in Q4 2025 and well above the loss in Q2 2025.
  • Operating cash flow turned positive in Q1 2026 at $356,000, versus negative $62,000 in Q2 2025.
  • Pre-tax income improved to $2.22 million in Q1 2026 from $1.68 million in Q4 2025 and a loss in Q2 2025.
  • Total common equity increased to $120.7 million at March 31, 2026, up from $110.9 million at June 30, 2025.
  • The company maintained a positive deposit base of more than $1.27 billion, which remains the foundation of its funding model.
  • Net interest income improved to $10.8 million in Q1 2026, but it was still below the stronger levels seen in late 2025 and early 2024.
  • Non-interest income and non-interest expense were both fairly stable sequentially, suggesting no major near-term operational surprise.
  • The allowance for loan and lease losses stood at $13.2 million, which is modest relative to the $1.03 billion loan portfolio.
  • Loans and leases declined to $1.031 billion in Q1 2026 from $1.069 billion in Q2 2025, indicating some contraction in the loan book.
  • The provision for credit losses increased to $217,000 in Q1 2026, up from $724,000 in Q4 2025 but still showing continued credit-cost pressure versus stronger periods.

Longer-term trend: ASRV’s recent results show a bank that is recovering from a difficult stretch. In 2024 and early 2025, profits were volatile, including a quarterly loss in Q2 2025 and weak operating cash generation. Since then, earnings have rebounded, helped by improved revenue and a better mix of operating and financing cash flows. However, the company is still not producing consistently strong quarters, which matters for investors looking for steady community-bank earnings.

Balance sheet trend: Total assets were essentially flat year over year at about $1.47 billion, but the mix inside the balance sheet changed. Cash and equivalents increased from Q2 2025, while loans declined from recent highs. Equity also improved, which is a constructive sign for capital strength, but treasury stock remains a meaningful offset to book value growth.

Bottom line: AmeriServ Financial appears to be stabilizing and generating better earnings again, but its performance still looks inconsistent. For retail investors, the key questions are whether the bank can keep earnings above breakeven with better consistency, and whether loan growth can resume without a big rise in credit costs.

07/21/26 01:10 AM ETAI Generated. May Contain Errors.

AmeriServ Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, AmeriServ Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

AmeriServ Financial's net income appears to be on a downward trend, with a most recent value of $5.61 million in 2025, falling from $6.00 million in 2015. The previous period was $3.60 million in 2024. See AmeriServ Financial's forecast for analyst expectations on what's next for the company.

Over the last 10 years, AmeriServ Financial's total revenue changed from $50.63 million in 2015 to $58.43 million in 2025, a change of 15.4%.

AmeriServ Financial's total liabilities were at $1.33 billion at the end of 2025, a 1.5% increase from 2024, and a 29.6% increase since 2015.

In the past 10 years, AmeriServ Financial's cash and equivalents has ranged from $9.68 million in 2023 to $27.97 million in 2018, and is currently $11.47 million as of their latest financial filing in 2025.

Over the last 10 years, AmeriServ Financial's book value per share changed from 5.19 in 2015 to 7.22 in 2025, a change of 39.1%.


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Financial statements for NASDAQ:ASRV last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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