AmeriServ Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	43.16	42.26	36.05	36.02	40.56	39.08
Net Interest Income Growth	15.92%	17.24%	0.08%	-11.20%	3.79%	107368.31%
Non-Interest Income	16.84	16.99	17.98	16.39	16.69	17.76
Non-Interest Income Growth	-1.83%	-5.49%	9.68%	-1.81%	-6.02%	109030.57%
Revenues Before Loan Losses	60	59.25	54.02	52.41	57.26	56.84
Provision for Credit Losses	4.43	4.12	0.88	7.43	0.05	1.1
Revenue	55.56	55.13	53.14	44.98	57.21	55.74
Revenue Growth (YoY)	4.76%	3.75%	18.14%	-21.37%	2.62%	110795.82%
Compensation Expenses	28.94	28.94	28.39	29.63	28.49	27.85
Selling, General & Admin	13.77	13.25	14.11	14.29	11.67	10.74
Other Non-Interest Expenses	6.22	6.15	6.25	5.45	7.84	8.38
Total Non-Interest Expense	48.93	48.34	48.74	49.37	48	46.97
Pretax Income	6.63	6.8	4.4	-4.39	9.2	8.77
Provision for Income Taxes	1.13	1.18	0.8	-1.04	1.75	1.7
Net Income	5.5	5.61	3.6	-3.35	7.45	7.07
Net Income to Common	5.5	5.61	3.6	-3.35	7.45	7.07
Net Income Growth	52.51%	55.85%	-	-	5.32%	153706.00%
Shares Outstanding (Basic)	12	17	17	17	17	17
Shares Outstanding (Diluted)	12	17	17	17	17	17
Shares Change (YoY)	-24.94%	-1.62%	-1.99%	-0.01%	0.19%	0.30%
EPS (Basic)	0.33	0.34	0.21	-0.20	0.44	0.41
EPS (Diluted)	0.33	0.34	0.21	-0.20	0.43	0.41
EPS Growth	50.00%	61.91%	-	-	4.88%	51.85%
Shares Outstanding	16.96	16.52	16.52	17.15	17.12	17.08
Free Cash Flow	1.36	2.06	0.98	4.92	3.13	8.7
Free Cash Flow Growth	-34.32%	111.37%	-80.15%	57.14%	-64.03%	-
Free Cash Flow Per Share	0.11	0.12	0.06	0.29	0.18	0.51
Dividends Per Share	0.120	0.120	0.120	0.120	0.115	0.100
Dividend Growth	-	-	-	4.35%	15.00%	-
Profit Margin	9.90%	10.18%	6.78%	-7.44%	13.02%	12.69%
FCF Margin	2.44%	3.74%	1.84%	10.93%	5.47%	15.60%
EBITDA	2.13	2.1	2.08	2.07	2.1	2.04
EBITDA Margin	3.82%	3.81%	3.92%	4.61%	3.66%	3.65%
Effective Tax Rate	17.07%	17.42%	18.14%	23.75%	19.05%	19.40%

SEC Filings: 10-K · 10-Q