Revenue
$14.63M
Fiscal year ended 2025-12-31Net income
$5.61M
Fiscal year ended 2025-12-31Total assets
$1.45B
Fiscal year ended 2025-12-31AMERISERV FINANCIAL INC /PA/ (ASRV) reported revenue of $14.63M and net income of $5.61M for the fiscal year ended 2025-12-31. This page shows 8 annual periods of income statement, balance sheet and cash flow figures normalized from AMERISERV FINANCIAL INC /PA/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under National Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.63M | $15.62M | $14.49M | $14.74M | $14.97M | $12.82M | $12.76M | $12.80M |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $5.61M | $3.60M | -$3.35M | $7.45M | $7.07M | $4.60M | $6.03M | $7.77M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 16.53M | shares 16.80M | shares 17.14M | shares 17.15M | shares 17.11M | shares 17.06M | shares 17.44M | shares 18.04M |
| Pretax income | $6.80M | $4.40M | -$4.39M | $9.20M | $8.77M | $5.81M | $7.60M | $9.44M |
| Income tax expense | $1.18M | $798.00K | -$1.04M | $1.75M | $1.70M | $1.21M | $1.57M | $1.68M |
| Diluted EPS | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $31.50M | $22.17M | $34.89M |
| Total assets | $1.45B | $1.42B | $1.39B | $1.36B | $1.34B | $1.28B | $1.17B | $1.16B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $1.33B | $1.32B | $1.29B | $1.26B | $1.22B | $1.18B | $1.07B | $1.06B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $119.31M | $107.25M | $102.28M | $106.18M | $116.55M | $104.40M | $98.61M | $97.98M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $13.61M | $13.61M | $13.61M | $13.61M | $13.61M | $11.94M | $11.94M | $11.94M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.19M | $2.69M | $6.29M | $5.21M | $9.94M | -$1.37M | $4.89M | $7.98M |
| Capital expenditures | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Investing cash flow | $11.07M | -$23.10M | -$39.99M | -$56.28M | -$488.00K | -$95.32M | -$13.02M | $2.69M |
| Financing cash flow | $18.89M | $24.13M | $24.77M | $32.93M | $146.00K | $106.03M | -$4.59M | -$9.97M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $706.00K |
| Stock-based compensation | Unavailable | $8.00K | $45.00K | $50.00K | $43.00K | $3.00K | $7.00K | $14.00K |
| Common dividends paid | $1.98M | $2.02M | $2.06M | $1.97M | $1.71M | $1.72M | $1.64M | $1.35M |
| Common share repurchases | Unavailable | $1.51M | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | $1.70M | $1.70M | $1.70M | $1.70M | $1.70M | $1.60M | $1.50M | $1.50M |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | 0.1% | 0.3% | 0.3% | 0.3% | 0.0% | 0.1% | 0.1% |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | -6.3% | 7.8% | -1.7% | -1.5% | 16.7% | 0.5% | -0.3% | Unavailable |
| Net margin | 38.3% | 23.1% | Unavailable | Unavailable | 47.2% | 35.9% | 47.2% | 60.7% |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 17.4% | 18.1% | Unavailable | 19.1% | 19.4% | 20.9% | 20.7% | 17.8% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open ASRV in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-14View SEC filing
10-Q · Filed 2026-05-14View SEC filing
10-K · Filed 2026-03-18View SEC filing
10-Q · Filed 2025-11-13View SEC filing
10-Q · Filed 2025-08-11View SEC filing
10-Q · Filed 2025-05-13View SEC filing
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.