AmeriServ Financial, Inc. (ASRV)

AmeriServ Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	42.26	36.05	36.02	40.56	39.08
Net Interest Income Growth	17.24%	0.08%	-11.20%	3.79%	107368.31%
Non-Interest Income	16.99	17.98	16.39	16.69	17.76
Non-Interest Income Growth	-5.49%	9.68%	-1.81%	-6.02%	109030.57%
Revenues Before Loan Losses	59.25	54.02	52.41	57.26	56.84
Provision for Credit Losses	4.12	0.88	7.43	0.05	1.1
Revenue	55.13	53.14	44.98	57.21	55.74
Revenue Growth (YoY)	3.75%	18.14%	-21.37%	2.62%	110795.82%
Compensation Expenses	28.94	28.39	29.63	28.49	27.85
Selling, General & Admin	13.25	14.11	14.29	11.67	10.74
Other Non-Interest Expenses	6.15	6.25	5.45	7.84	8.38
Total Non-Interest Expense	48.34	48.74	49.37	48	46.97
Pretax Income	6.8	4.4	-4.39	9.2	8.77
Provision for Income Taxes	1.18	0.8	-1.04	1.75	1.7
Net Income	5.61	3.6	-3.35	7.45	7.07
Net Income to Common	5.61	3.6	-3.35	7.45	7.07
Net Income Growth	55.85%	-	-	5.32%	153706.00%
Shares Outstanding (Basic)	17	17	17	17	17
Shares Outstanding (Diluted)	17	17	17	17	17
Shares Change (YoY)	-1.62%	-1.99%	-0.01%	0.19%	0.30%
EPS (Basic)	0.34	0.21	-0.20	0.44	0.41
EPS (Diluted)	0.34	0.21	-0.20	0.43	0.41
EPS Growth	61.91%	-	-	4.88%	51.85%
Free Cash Flow	4.12	0.98	4.92	3.13	8.7
Free Cash Flow Growth	322.13%	-80.15%	57.14%	-64.03%	-
Free Cash Flow Per Share	0.25	0.06	0.29	0.18	0.51
Dividends Per Share	0.120	0.120	0.120	0.115	0.100
Dividend Growth	-	-	4.35%	15.00%	-
Profit Margin	10.18%	6.78%	-7.44%	13.02%	12.69%
FCF Margin	7.47%	1.84%	10.93%	5.47%	15.60%
EBITDA	0	2.08	2.07	2.1	2.04
EBITDA Margin	0.00%	3.92%	4.61%	3.66%	3.65%
Effective Tax Rate	17.42%	18.14%	23.75%	19.05%	19.40%

Updated Jan 20, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q