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AMERISERV FINANCIAL INC /PA/

ASRV Clue Score40
United States Fiscal year ends December CIK 0000707605
$4.39 -1.35% Close, 9 Oct 2026
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Price $4.39 +13.73% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income2.3EPS, diluted0.12Fiscal year 2017Net income3.3 +42.6%EPS, diluted0.18 +50.0%Fiscal year 2018Revenue12.8Net income7.8 +135.9%EPS, diluted0.43 +138.9%Fiscal year 2019Revenue12.8 −0.3%Net income6.0 −22.4%EPS, diluted0.35 −18.6%Fiscal year 2020Revenue12.8 +0.5%Net income4.6 −23.7%EPS, diluted0.27 −22.9%Fiscal year 2021Revenue15.0 +16.7%Net income7.1 +53.8%EPS, diluted0.41 +51.9%Fiscal year 2022Revenue14.7 −1.5%Net income7.4 +5.3%EPS, diluted0.43 +4.9%Fiscal year 2023Revenue14.5 −1.7%Net income−3.3 −144.9%EPS, diluted−0.20 −146.5%Fiscal year 2024Revenue15.6 +7.8%Net income3.6EPS, diluted0.21Fiscal year 2025Revenue14.6 −6.3%Net income5.6 +55.8%EPS, diluted0.34 +61.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 12.8 12.8 12.8 15.0 14.7 14.5 15.6 14.6
Growth −0.3% +0.5% +16.7% −1.5% −1.7% +7.8% −6.3%
Net income 2.3 3.3 7.8 6.0 4.6 7.1 7.4 −3.3 3.6 5.6
Growth +42.6% +135.9% −22.4% −23.7% +53.8% +5.3% −144.9% +55.8%
EPS, diluted 0.12 0.18 0.43 0.35 0.27 0.41 0.43 −0.20 0.21 0.34
Growth +50.0% +138.9% −18.6% −22.9% +51.9% +4.9% −146.5% +61.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin60.7%Fiscal year 2019Net margin47.2%Fiscal year 2020Net margin35.9%Fiscal year 2021Net margin47.2%Fiscal year 2022Net margin50.5%Fiscal year 2023Net margin−23.1%Fiscal year 2024Net margin23.1%Fiscal year 2025Net margin38.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 60.7% 47.2% 35.9% 47.2% 50.5% −23.1% 23.1% 38.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow6.6Dividends paid−0.9Fiscal year 2017Operating cash flow7.5Dividends paid−1.1Fiscal year 2018Operating cash flow8.0Dividends paid−1.3Fiscal year 2019Operating cash flow4.9Dividends paid−1.6Fiscal year 2020Operating cash flow−1.4Dividends paid−1.7Fiscal year 2021Operating cash flow9.9Dividends paid−1.7Fiscal year 2022Operating cash flow5.2Dividends paid−2.0Fiscal year 2023Operating cash flow6.3Dividends paid−2.1Fiscal year 2024Operating cash flow2.7Buybacks−1.5Dividends paid−2.0Fiscal year 2025Operating cash flow3.2Dividends paid−2.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 6.6 7.5 8.0 4.9 −1.4 9.9 5.2 6.3 2.7 3.2
Buybacks n/a n/a n/a n/a n/a n/a n/a n/a −1.5 n/a
Dividends paid −0.9 −1.1 −1.3 −1.6 −1.7 −1.7 −2.0 −2.1 −2.0 −2.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash34.1Shareholders’ equity95.4Fiscal year 2017Cash34.2Shareholders’ equity95.1Fiscal year 2018Cash34.9Shareholders’ equity98.0Fiscal year 2019Cash22.2Shareholders’ equity98.6Fiscal year 2020Cash31.5Shareholders’ equity104.4Fiscal year 2021Cash41.1Shareholders’ equity116.5Fiscal year 2022Cash23.0Shareholders’ equity106.2Fiscal year 2023Cash14.0Shareholders’ equity102.3Fiscal year 2024Cash17.7Shareholders’ equity107.2Fiscal year 2025Cash50.9Shareholders’ equity119.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 34.1 34.2 34.9 22.2 31.5 41.1 23.0 14.0 17.7 50.9
Shareholders’ equity 95.4 95.1 98.0 98.6 104.4 116.5 106.2 102.3 107.2 119.3

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a n/a 12.8 12.8 12.8 15.0 14.7 14.5 15.6 14.6
Growth −0.3% +0.5% +16.7% −1.5% −1.7% +7.8% −6.3%
3.2 8.7 9.4 7.6 5.8 8.8 9.2 −4.4 4.4 6.8
0.9 5.4 1.7 1.6 1.2 1.7 1.8 −1.0 0.8 1.2
2.3 3.3 7.8 6.0 4.6 7.1 7.4 −3.3 3.6 5.6
Growth +42.6% +135.9% −22.4% −23.7% +53.8% +5.3% −144.9% +55.8%
Per share
0.12 0.18 0.43 0.35 0.27 0.41 0.44 −0.20 0.21 0.34
0.12 0.18 0.43 0.35 0.27 0.41 0.43 −0.20 0.21 0.34
Growth +50.0% +138.9% −18.6% −22.9% +51.9% +4.9% −146.5% +61.9%
18.9 18.5 17.9 17.4 17.1 17.1 17.1 17.1 16.8 16.5
19.0 18.6 18.0 17.4 17.1 17.1 17.1 17.1 16.8 16.5
Growth −1.9% −3.0% −3.3% −2.2% +0.3% +0.2% −0.0% −2.0% −1.6%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 2.7% a year over five years, and earnings per share grew 4.7% a year.
  • The diluted share count fell 3.1% in five years, so buybacks did some of the work per share.
  • A net loss in 1 of 10 years on file.