AmeriServ Financial financials
$4.72+2.61%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $88.3M | $84.5M | $77.2M | $65.8M | $64.4M | $63.2M | $65.0M | $61.3M | $59.0M | $56.5M |
| Gross profit | $59.3M | $54.0M | $52.4M | $57.3M | $56.8M | $52.6M | $50.7M | $49.7M | $50.2M | $48.8M |
| Gross margin | 67.1% | 63.9% | 67.8% | 87.1% | 88.2% | 83.4% | 78.0% | 81.1% | 85.1% | 86.3% |
| Operating income | $6.8M | $4.4M | -$4.4M | $9.2M | $8.8M | $5.8M | $7.6M | $9.4M | $8.7M | $3.2M |
| Net income | $5.6M | $3.6M | -$3.3M | $7.4M | $7.1M | $4.6M | $6.0M | $7.8M | $3.3M | $2.3M |
| Net margin | 6.4% | 4.3% | −4.3% | 11.3% | 11.0% | 7.3% | 9.3% | 12.7% | 5.6% | 4.1% |
| Diluted EPS | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 | $0.18 | $0.12 |
| EBITDA | $6.8M | $4.4M | -$4.4M | $9.2M | $9.2M | $5.8M | $8.1M | $9.4M | $8.7M | $3.2M |
| Operating cash flow | $3.2M | $2.7M | $6.3M | $5.2M | $9.9M | -$1.4M | $4.9M | $8.0M | $7.5M | $6.6M |
| Free cash flow | $2.1M | $976.0K | $4.9M | $3.1M | $8.7M | -$2.7M | $2.1M | $5.8M | $4.8M | $5.2M |
| Diluted shares | 16.5M | 16.8M | 17.1M | 17.1M | 17.1M | 17.1M | 17.4M | 18.0M | 18.6M | 19.0M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $11.5M | $13.9M | $9.7M | $18.8M | $24.7M | $20.4M |
| Short-term investments | $301.1M | $230.2M | $241.4M | $253.4M | $238.1M | $206.4M |
| Total debt | $71.4M | $97.4M | $112.2M | $135.1M | $69.3M | $110.2M |
| Total assets | $1.45B | $1.42B | $1.39B | $1.36B | $1.34B | $1.28B |
| Total liabilities | $1.33B | $1.32B | $1.29B | $1.26B | $1.22B | $1.18B |
| Shareholders' equity | $119.3M | $107.2M | $102.3M | $106.2M | $116.5M | $104.4M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology