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MARKETS / NASDAQ / ASRV
NASDAQ · NATIONAL COMMERCIAL BANKS · SMALL CAP

Ameriserv Financial Inc. ASRV

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$14.6M
▼ 6.3% YoY
$5.6M
▲ 55.8% YoY
In brief

What this company does

The Company’s common stock is listed on The NASDAQ Stock Market under the trading symbol “ASRV,” and the Company is subject to the NASDAQ rules applicable to listed companies. The Bank is a state bank chartered under the Pennsylvania Banking Code of 1965, as amended (Banking Code). The Company employed 311 people as of December 31, 2025, in full- and part-time positions.

Written from the business description in AmeriServ Financial, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 18 March 2026. Every sentence was checked against that document before publication.

Growth
USD 14.6M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 14.6 · Net income 5.6
8M-2M200920112013201520172019202120232025
Compound annual growth
−0.2%
+2.7%
−9.0%
+4.1%
−0.7%
+10.3%
−7.5%
+4.7%
+0.9%
+26.5%
+1.4%
+3.7%
+11.6%
+0.3%
+2.9%
+10.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +2.7% a year over five years — but profit grew faster: net income at +4.1%, earnings per share at +4.7%.

The share count fell from 0.02B to 0.02B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
38 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 46.4% · Net 38.3%
20%40%60%-10%-20%-30%200920112013201520172019202120232025
ROE
FY2025 · ROE 5.0%
5%-2%-4%200920112013201520172019202120232025
Gross margin—
Operating margin46.4%
Net margin38.3%
Return on assets0.4%
EBITDAUSD 8.5M

Each USD of equity produced 5 cents of profit this year.

Cash & shareholders
USD 2.0M
returned in FY2025 · dividends + net buybacks
Net buybacks $M Dividends $M
FY2025 · Dividends 2.0 · Net buybacks —
2M4MDividendsNet buybacks20112013201520172019202120232025
Dividends paidUSD 2.0M
Net buybacks—
Share of profit35.3%
Consecutive raises—

USD 2.0M in dividends — 35% of the year's profit went back to shareholders.

Total assetsUSD 1.5B
EquityUSD 119.3M
CashUSD 50.9M
DepositsUSD 1.2B

Equity funds 8% of total assets.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.00.00.00.00.00.00.00.0·········
Operating income $B0.00.0−0.00.00.00.00.0··········
EBITDA $B0.00.0−0.00.00.00.00.0··········
Income tax $B0.00.0−0.00.00.00.00.00.00.00.00.00.00.00.00.00.0−0.0
Net income $B0.00.0−0.00.00.00.00.00.00.00.00.00.00.00.00.00.0−0.0
EPS, diluted $0.340.21−0.200.430.410.270.350.430.180.120.310.150.260.210.240.01−0.29
Dividend / sh $0.120.120.120.120.100.100.100.070.060.050.040.040.030.000.000.000.00
Payout %3556−6226243727173441132511····
ROE %5.03.4−3.26.76.44.56.18.03.52.25.12.74.64.56.01.2−4.6
Shares out B0.020.020.020.020.020.020.020.020.020.020.020.020.020.020.020.02·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityNational Commercial Banks
Listed onNASDAQ
Incorporated inPennsylvania
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2009

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